Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal complaint and demand for investigation pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Title 15 of the United States Code ( USC ). The following accounts are being inaccurately reported, re-aged, duplicated, or misrepresented on the consumers credit reports across Experian, XXXX XXXX XXXX These errors have caused substantial harm, financial embarrassment, and credit denial. Each account below contains specific factual inaccuracies and legal violations requiring immediate correction, deletion, or compensation as permitted by law. 

XXXX XXXX XXXX XXXX XXXX Inaccurate Information : Reported as a collection account with no original creditor identified, no account history, and conflicting balance details.

Violations : FCRA 607 ( b ) Failure to assure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) ( A ) Missing original creditor information.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of account character.

15 U.S.C. 1681s-2 ( b ) Failure to correct duplicate data after dispute.

Violations : 5Compensation : {$5000.00} Resolution : Immediate deletion and statutory compensation. 

XXXX. XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX ) Inaccurate Information : Duplicate entries under varying names, inconsistent dates of last activity, and status listed as Charge Off without proof.

Violations : FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate and incomplete information furnished.

FCRA 605 ( c ) Improper re-aging to extend reporting period.

FDCPA 807 ( 2 ) ( A ) False representation of debt status.

Violations : 5Compensation : {$5000.00} Resolution : Delete and provide documentation of charge-off verification. 

XXXX. XXXX XXXX XXXX ( XXXXXXXX XXXX ) Inaccurate Information : Account listed multiple times with inconsistent Date Opened and Date of Last Activity. 
Violations : FCRA 607 ( b ) Failure to maintain accuracy.

FDCPA 807 ( 8 ) Misleading implication of valid collection account.

Violations : 4Compensation : {$4000.00} Resolution : Remove duplicate and re-aged listings. 

XXXX. XXXX XXXX ( Credit Limit {$600.00} ) Inaccurate Information : Reports as Charged Off despite conflicting statuses across bureaus ; inconsistent balance amounts exceeding credit limit. 
Violations : FCRA 607 ( b ) Inaccurate information.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing known inaccurate data.

FCRA 609 ( a ) ( 1 ) ( A ) No supporting charge-off documentation.

FDCPA 807 ( 2 ) ( A ) False representation of debt character.

15 U.S.C. 1681s-2 ( b ) Failure to correct after dispute.

Violations : 5Compensation : {$5000.00} ResolutioXXXX : Delete all inaccurate tradelines and compensate for violations. 

XXXX. XXXX XXXX ( Credit Limit {$300.00} ) Inaccurate Information : Inconsistent balances, conflicting statuses ( Closed, Charged Off ), missing payment history, and re-aged reporting. 
Violations : FCRA 605 ( c ) Improper re-aging.

FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate data furnished.

FCRA 611 ( a ) ( 1 ) ( A ) Failure to reinvestigate.

FDCPA 807 ( 8 ) Misleading representation.

15 U.S.C. 1681s-2 ( a ) Reporting known inaccuracies.

Violations : 5Compensation : {$5000.00} Resolution : Immediate deletion and corrective reporting. 

XXXX. XXXX XXXX Inaccurate Information : XXXX separate entries with inconsistent balances, missing payment history, and conflicting open dates. 
Violations : FCRA 605 ( c ) Re-aging of debt.

FCRA 623 ( a ) ( 1 ) ( A ) Failure to report accurately.

FDCPA 807 ( 8 ) Misleading collection reporting.

Violations : 5Compensation : {$5000.00} Resolution : Deletion and compensation. 

XXXX. XXXX XXXX XXXX Account # XXXX Inaccurate Information : Incorrect status as Closed/Charge-Off with no verification of original creditor. 
Violations : FCRA 607 ( b ) Duplicate reporting.

FCRA 609 ( a ) ( 1 ) ( A ) Missing original creditor.

FDCPA 807 ( 2 ) ( A ) False or misleading representation.

Violations : 6Compensation : {$6000.00} Resolution : Deletion and verification records requested. 

XXXX. XXXX XXXX XXXX Account # XXXX Inaccurate Information : Reported as Unpaid Balance Reported as Loss while closed ; missing original creditor and inconsistent high balance. 
Violations : FCRA 607 ( b ) Inaccurate reporting.

FCRA 609 ( a ) ( 1 ) ( A ) Missing original creditor.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of status.

Violations : 6Compensation : {$6000.00} Resolution : Remove and provide proper validation. 

XXXX. XXXX XXXX XXXX Inaccurate Information : Status Open though account is in collection ; duplicate balances across bureaus. 
Violations : FCRA 607 ( b ) Incomplete data.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of debt character.

Violations : 4Compensation : {$4000.00} Resolution : Delete and verify with original creditor. 

XXXX. XXXX XXXX Inaccurate Information : Reported as Charged Off and Closed by XXXX inconsistently ; no activity history provided. 
Violations : FCRA 607 ( b ) Inaccurate reporting.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of ownership.

Violations : 4Compensation : {$4000.00} Resolution : Immediate deletion and compliance review. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX Inaccurate Information : Duplicate accounts reported with different open dates and statuses ; conflicting payment terms. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ) Duplicate reporting.

FDCPA 807 ( 2 ) ( A ) False implication of delinquency.

Violations : 5Compensation : {$5000.00} Resolution : Delete XXXX duplicate and correct information. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX ) Inaccurate Information : Reported Open/In Good Standing but listed in derogatory section. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate classification.

FDCPA 807 ( 2 ) ( A ) False representation.

Violations : 5Compensation : {$5000.00} Resolution : Correct status and remove derogatory listing. 

XXXX. XXXX XXXX Inaccurate Information : Listed as a collection account with no delinquency date or validation. 
Violations : FCRA 607 ( b ) Incomplete reporting.

FCRA 623 ( b ) Failure to verify accuracy.

FDCPA 807 ( 2 ) ( A ) Misleading collection entry.

Violations : 4Compensation : {$4000.00} Resolution : Delete and validate. 

XXXX. XXXX XXXX Inaccurate Information : Reported as collection despite XXXX balance and timely payments. 
Violations : FCRA 623 ( b ) Failure to correct verified inaccuracy.

FDCPA 807 ( 8 ) False representation.

15 U.S.C. 1681s-2 ( a ) Continuing inaccurate reporting.

Violations : 5Compensation : {$5000.00} Resolution : Deletion and compensation. 

XXXX. XXXX Inaccurate Information : Reported late after payoff ; inconsistent balances and dates.

Violations : FCRA 607 ( b ) Inaccurate reporting.

FDCPA 807 ( 2 ) ( A ) False delinquency.

Violations : 4Compensation : {$4000.00} Resolution : Correct to Paid/Closed and remove delinquencies. 

XXXX. XXXX XXXX Inaccurate Information : Conflicting open/closed statuses, missing proof of delinquency, and inconsistent balances.

Violations : FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) FDCPA 807 ( 2 ) ( A ) 15 U.S.C. 1681s-2 ( a ) Violations : 5Compensation : {$5000.00} Resolution : Delete and provide validation. 

XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Inaccurate Information : Duplicate reporting under different creditor names ; inconsistent payment history.

Violations : FCRA 623 ( b ) Duplicate reporting.

FCRA 607 ( b ) Failure to maintain accuracy.

FDCPA 807 ( 2 ) ( A ) False identity representation.

Violations : 6Compensation : {$6000.00} Resolution : Delete duplicate and correct history. 

XXXXXXXX XXXX XXXXXXXX Inaccurate Information : Reports Charged Off with active balance ; inconsistent limit and delinquency data.

Violations : FCRA 623 ( a ) ( 1 ) ( A ) Failure to report accurately.

FDCPA 807 ( 8 ) False representation.

15 U.S.C. 1681i ( a ) Failure to reinvestigate.

Violations : 5Compensation : {$5000.00} Resolution : Delete and provide verification. 

XXXX. XXXX / XXXX Inaccurate Information : Duplicate reporting under different names ( XXXX XXXXXXXX, XXXX ). 
Violations : FCRA 623 ( b ) Duplicate entries.

FCRA 611 ( a ) Lack of reinvestigation.

FDCPA 807 ( 2 ) ( A ) Misrepresentation.

Violations : 6Compensation : {$6000.00} Resolution : Delete duplicates and confirm accuracy. 

XXXX. XXXXXXXX XXXX XXXX XXXX Inaccurate Information : Conflicting balances and duplicate listings ; missing payment details. 
Violations : FCRA 607 ( b ) Inconsistent reporting.

FDCPA 807 ( 8 ) Misrepresentation of ownership.

15 U.S.C. 1681s-2 ( b ) Failure to update after dispute.

Violations : 5Compensation : {$5000.00} Resolution : Delete and confirm compliance. 

XXXX. XXXX XXXX XXXX  Inaccurate Information : No payment history ; inconsistent status ( Closed, Charge Off, Collection ). 
Violations : FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate information.

FCRA 605 ( c ) Improper re-aging.

FDCPA 807 ( 2 ) ( A ) Misrepresentation.

Violations : 4Compensation : {$4000.00} Resolution : Delete and verify. 

XXXX. XXXXXXXX XXXX XXXX  Inaccurate Information : Reported as Charge Off with XXXX balance ; missing creditor transfer record. 
Violations : FCRA 605 ( b ) Inaccurate status.

FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate data.

FDCPA 807 ( 2 ) ( A ) Misrepresentation.

Violations : 5Compensation : {$5000.00} Resolution : Delete tradeline and confirm closure. 

TOTAL SUMMARY Total Accounts : XXXX Total Violations : XXXX Total Compensation Owed : {$100000.00} LEGAL BASIS Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681n, 1681o ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692k ), each violation constitutes a statutory damage of up to {$1000.00}. Continued willful and negligent noncompliance subjects the furnishers and bureaus to punitive damages, legal costs, and civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation