Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Against : Experian, Equifax, TransUnion Filed by : XXXX XXXX Date of Reports : XX/XX/XXXXXXXX  XXXX : XXXX | DOB : XX/XX/XXXXXXXX  I am filing a formal complaint against all three major credit reporting agencies for failure to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) and Metro 2 / XXXX  guidelines. Despite having formally disputed these items with appropriate identification, proof of address, and a detailed list of inaccuracies, these agencies failed to perform a legally compliant reinvestigation or provide any documentation verifying the debts. 
The following accounts are being disputed : XXXX EXPERIAN XXXX. XXXX XXXX Account ending in XXXX Status : Charge-off, {$680.00} Issue : No signed agreement, billing history, or verification provided. Delinquencies remain without lawful substantiation. 

XXXX. XXXX XXXX Account ending in XXXX Status : Charge-off, {$590.00} Issue : Account is obsolete and unverifiable. Payment history formatting does not align with Metro 2 standards. 

XXXX. XXXX  XXXX Account number XXXX  Status : Charged off, {$19.00} Issue : Trivial debt continues reporting derogatorily, no proof of ownership or communication history provided. 

XXXX. XXXX XXXX XXXX Account ending in XXXX ( Collection for XXXX ) Status : Collection, {$260.00} Issue : No initial validation notice was received. Violates 15 USC 1692g 5. XXXX Account number XXXX Status : Charge-off, {$1300.00} Issue : This account shows extended delinquency and charge-off without supporting documentation. The reporting is incomplete and unverifiable. 

XXXXXXXX XXXX XXXX XXXX Account number XXXX Status : Charge-off, {$1600.00} Issue : Charge-off appears to be inflated and based on inconsistent payment history. No contract has been provided. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Status : Charge-off, {$1400.00} Issue : No evidence or contract has been provided to support this reporting. The account also shows conflicting payment information. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : Charge-off, {$1600.00} Issue : XXXXXXXX XXXX is a third-party debt buyer. No validation has been provided. No chain of assignments from original creditor was shown. 
Relevant Law : FCRA 1681i ; FDCPA 809 ( b ) ; CFPB enforcement against XXXX XXXX. XXXX Account number XXXX Status : Charge-off, {$910.00} Issue : Reporting is incomplete and unverifiable. No signed contract or clear origin of debt has been provided. 

XXXX. XXXX XXXX  Account number XXXX Status : Paid ; closed {$0.00} Issue : Though paid and closed, this account reflects multiple outdated delinquencies that are over seven years old and should be suppressed or removed. 

________________________________________ EQUIFAX XXXX. XXXX XXXX  Account ending in XXXX Status : Charge-off, {$1400.00} Issue : No documentation or signature presented. Reporting inconsistent with XXXX accuracy standards. 

XXXX. XXXX Account ending in XXXX Status : Charge-off, {$910.00} Issue : No proof of account ownership. Payment history and past-due balances fail Metro 2 formatting. 

XXXX. XXXX Account XXXX XXXX XXXX Status : Charge-off, {$1300.00} Issue : Closed by credit grantor. No validation provided despite multiple late statuses reported. 

XXXX. XXXX XXXX Account ending in XXXX Status : Charge-off, {$680.00} Issue : Derogatory data continues without proper substantiation or legal justification. 
XXXX. XXXX XXXX Account ending in XXXX Status : Charge-off, {$590.00} Issue : Derogatory data continues without proper substantiation or legal justification. 
XXXX. XXXX Account ending in XXXX Status : Charge-off, {$0.00} Issue : The account shows historical delinquencies older than seven years and is therefore beyond the permissible reporting window. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX  Status : Charge-off, {$260.00} Issue : Debt collector has failed to produce validation or a copy of the original agreement with the creditor ( XXXX XXXX  ). 
XXXX. XXXX XXXX XXXX Account ending in XXXX Status : Charge-off, {$1600.00} Issue : Debt collector has failed to produce validation or a copy of the original agreement with the creditor ( XXXX  XXXX  ). 
________________________________________ TRANSUNION XXXX. XXXX XXXX Account ending in XXXX Status : Charge-off, {$680.00} Issue : Reporting with derogatory lates and no signed contract, billing statements, or Metro 2 compliance. 

XXXX. XXXX XXXX Account ending in XXXX Status : Charge-off, {$590.00} Issue : Obsolete, unverifiable, and not fully compliant with FCRA 1681s-2 ( b ). 

XXXX. XXXX XXXX Account ending in XXXX Status : Closed with derogatory history Issue : No documentation validating late payments and the data is outdated. 
XXXX. XXXX & XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX  Status : Collection, {$260.00} Issue : This collection account is being reported without providing full validation of the debt. Under federal law, the burden of proof is on the collector and CRA to ensure the information is complete, accurate, and verifiable. 

XXXX. XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Status : Collection, {$1600.00} Issue : XXXX is a known debt buyer. They have failed to provide original documentation, contract, or verifiable proof that I owe this amount. 

XXXX XXXX XXXX -Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Status : Charged-off, {$1300.00} Issue : No supporting documentation has been sent to confirm validity of debt or current balance accuracy. 

XXXX. XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX  Status : Charged-off, {$1400.00} Issue : This account was charged off, yet the reporting contains inconsistencies in date of first delinquency and payment status. 

XXXX XXXX- Account number XXXXXXXX XXXX XXXX XXXX XXXX  Status : Charged-off, {$170.00} Issue : No proof of contract or billing provided. Inconsistent balance reporting raises concerns of inaccurate data. 

XXXX. XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Status : Charged-off, {$910.00} Issue : This account is in dispute due to incorrect reporting of balance and failure to respond to prior requests for verification. 

XXXX. XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX  Status : Paid ; Closed, {$0.00} Issue : Although this account is closed, historical delinquencies are inaccurately impacting my score. The payment history is outdated and does not reflect full context. 
XXXX  ADDITIONAL ISSUES Name Discrepancies reported across all three bureaus : XXXX XXXX, XXXX XXXX, XXXX XXXX, etc. 

These are inaccurate and not supported by any legal ID. 


Address Discrepancies including : XXXX XXXX XXXX XXXX  ( no longer my residence ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Others not matching any of my current credit relationships. 

Hard Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX  ) No authorization provided. 

XXXX  REQUESTED RESOLUTION : I request the immediate removal of all inaccurate and unverifiable information listed above. If these items can not be fully validated with original signed agreements, transaction history, and Metro 2-compliant reporting, then under 15 U.S.C. 1681i ( a ), they must be deleted. I also request an explanation of each bureaus reinvestigation process and disclosure of documentation reviewed. 
I have exhausted all reasonable efforts through direct disputes and am now seeking CFPB assistance to enforce compliance.

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