Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
Legal Summary of Dispute and Violations of the Fair Credit Reporting Act ( FCRA ) Summary of Dispute : I am submitting this formal complaint regarding the inaccurate, duplicative, and misleading reporting practices of XXXX XXXX and XXXX XXXX XXXX as they pertain to my credit file. The following issues have been identified : Duplicate and Conflicting Reporting : Both XXXX XXXX and XXXX XXXX XXXX are reporting collection accounts for what appears to be the same underlying debt, but with different account numbers, balances, and reporting periods. This has resulted in multiple negative entries for the same alleged debt, which is misleading and unfairly damaging to my credit profile. 

Inaccurate XXXX and XXXX XXXX : The balances reported for the same underlying debt are inconsistent ( {$820.00} and {$880.00} ), and the status update dates do not align with the actual account activity. Additionally, XXXX XXXX has reported the same debt under different account numbers and with different balances and dates. 

Failure to Properly Update or Remove Accounts : When a debt is sold or transferred to a debt buyer ( such as XXXX XXXX XXXX ), the original creditor ( XXXX XXXX ) is required to update the account to reflect a {$0.00} balance and indicate that the account was transferred or sold, not continue to report it as an active collection. 

Potential Re-aging of XXXX : The reporting of new open dates and status updates for the same debt may constitute unlawful " re-aging '' of the debt, which is prohibited under the XXXX 

Violations of the XXXX XXXX XXXX XXXXt ( XXXX ) and Related Laws : Based on the above, the following XXXX sections and regulations appear to have been violated : XXXX XXXX ( a ) ( XXXX ) ( A ) [ XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ] Duty to Report Accurate Information : Furnishers of information to consumer reporting agencies must not furnish information on a consumer that they know or have reasonable cause to believe is inaccurate. 
Violation : XXXX duplicate, conflicting, and inaccurate balances and dates for the same debt. 
XXXX  XXXX ( a ) ( XXXX ) [ XXXX XXXX. XXXX ( a ) ( XXXX ) ] Duty to Correct and Update Information : If a furnisher determines that any information reported is not complete or accurate, they must promptly notify the consumer reporting agency and provide corrections. 
Violation : Failure to update the original creditor account to a {$0.00} balance and indicate transfer/sale after the debt was sold to a debt buyer. 
XXXX  XXXX ( a ) ( XXXX ) [ XXXX XXXX. XXXX ( a ) ( XXXX ) ] Duty to Report Date of First Delinquency : Furnishers must accurately report the date of first delinquency, which determines how long a negative item can remain on a credit report. Re-aging ( changing the date to a later time ) is prohibited. 
Violation : Potential unlawful re-aging by reporting new open/status dates for the same debt. 
XXXX XXXX ( b ) [ XXXX XXXX XXXXXXXX ( b ) ] Maximum Possible Accuracy : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Violation : Allowing multiple, conflicting entries for the same debt. 
XXXX  XXXX [ XXXX XXXX. XXXX ] Dispute Resolution : Upon notice of a dispute, consumer reporting agencies must conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable. 
Violation : If, after dispute, these inaccuracies are not corrected or removed. 
CFPB XXXX XXXX ( XXXX XXXX  Part XXXX ) Furnisher Duties : Furnishers must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to consumer reporting agencies. 
Violation : Failure to prevent duplicative and inaccurate reporting. 
Summary Table of Violations : FCRA Section/Regulation Description Nature of Violation XXXX ( a ) ( XXXX ) ( A ) / XXXX XXXX XXXX XXXX a ) Duty to report accurate information Duplicate/conflicting reporting XXXX ( a ) ( XXXX ) / XXXX XXXX XXXX ( a ) ( XXXX ) Duty to correct and update information Failure to update to {$0.00} after sale/transfer XXXX ( a ) ( XXXX ) / XXXX XXXX XXXX ( a ) ( XXXX ) Duty to report date of first delinquency Potential unlawful re-aging XXXX ( b ) / XXXX XXXX XXXX ( b ) Maximum possible accuracy Allowing multiple, conflicting XXXX XXXX / XXXX XXXX XXXX Dispute resolution Failure to correct/remove after dispute XXXX XXXX Part XXXX Furnisher duties ( XXXX XXXX ) Failure to ensure accuracy and integrity

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