Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Experian, Equifax, and TransUnion Misreporting of Closed XXXX XXXX Account I am filing this complaint against Experian, Equifax, and TransUnion for their continued reporting of a XXXX XXXX account ( Acct. No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is inaccurate, unverifiable, and misleading. 
This account is closed, yet all three bureaus are still reporting an outstanding balance, missed payments, and a charge-off status. The data reported across bureaus does not match Experian shows continuous CO notations from XX/XX/XXXX through XXXX, while Equifax reports OK payments for the same period. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires maximum possible accuracy, and 1681i ( a ), which mandates reasonable reinvestigation of disputed data. 
I have submitted multiple disputes and formal correction requests to the credit bureaus and XXXX XXXX since XXXX, demanding documentation proving the debts validity. Despite these efforts, no lawful verification has been provided. 

Violations and Legal Basis FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

FCRA 1681i ( a ) Failure to reinvestigate disputed information within 30 days.

FCRA 1681s-2 ( b ) Continued reporting of unverifiable and inaccurate data by furnishers.

FCRA 1681c-2 Failure to block or remove fraudulent or identity-related data after notice.

FCRA 1681n & 1681o Willful and negligent noncompliance subject to damages.

15 U.S.C. 1666b Failure to properly apply payments and update closed/charged-off accounts.

Unverified Documentation and Proof Demanded To date, neither the bureaus nor XXXX XXXX have provided the following required legal documents to verify the legitimacy of this alleged debt : Forward Flow Agreement ( showing lawful right of reporting or collection ) Chain of Assignment or Ownership Purchase or Transfer Agreement Insurance Claim of Debt ( if the debt was settled or insured after charge-off ) IRS Form 1099-C ( proof of cancellation of debt ) Original Promissory Note or Signed Agreement bearing my signature The lack of these materials renders the reporting unsubstantiated and unlawful under FCRA standards.

Harm and Requested Resolution This erroneous reporting has caused severe and ongoing damage to my credit profile, resulting in loan denials, higher insurance premiums, and loss of financial opportunities. 
I request that the CFPB order Experian, Equifax, and TransUnion to : Delete the XXXX XXXX account entirely from all credit reports; or Provide full source verification with the above legal documents proving validity. 
Absent such verification, continued publication of this data constitutes willful violation of FCRA 1681n

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