Consumer complaint received 2025-07-09 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ). I am a victim of identity theft and did not authorize or open the accounts listed below. I am requesting the permanent deletion of these accounts and associated inquiries from my credit file.

I have filed an identity theft report with the Federal Trade Commission ( FTC ) and am including a copy of my Identity Theft Affidavit along with any other supporting documentation to assist with this matter. 

PERSONAL INFORMATION Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown credit pull origin - Violation : 1681b I am requesting the permanent deletion of the above items from all three credit reporting agencies. These entries are fraudulent or inaccurate and can not be verified in compliance with federal law. Please complete your reinvestigation and provide written confirmation of the deletions within 30 days as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX ADDITIONAL DISPUTE DETAIL XXXX XXXX ACCOUNT The XXXX XXXX personal loan account, reported by Experian, Equifax, and TransUnion, contains multiple material inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). Below are the factual discrepancies and their corresponding violations : Account Status : All three bureaus report the account as closed and charged off, yet also list the balance as paid off, which is contradictory.

Original Balance : Experian and TransUnion list {$9000.00} as the original balance, but Equifax omits it entirely, violating 1681e ( b ) and 1681s-2. 
Status Update Dates : Experian shows a XX/XX/XXXX update, while the others show XX/XX/XXXX this inconsistency misrepresents recency of status. 
Account Type : Experian misclassifies the loan as 'Unsecured ' while Equifax and TransUn

ion correctly list it as an installment loan. Monthly Payment : All three reports omit this f
ield entirely, which is required for a 60-month installment account under 1681g. 
Last Payment Date : Experian and TransUnion agree on XX/XX/XXXX, but Equifax lists XX/XX/XXXX, indicating unverified data. 
Payment History : TransUnion fails to list any payment history, Equifax shows 7 negative months, and Experian shows 6 inconsistent and incomplete reporting. 

Under FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( a ), and 1681g, I request the immediate correction or permanent deletion of this account across all three credit bureaus. Failure to correct or delete unverifiable and inaccurate data may result in complaints to the CFPB and legal action for damages under 1681n1681o. 

ADDITIONAL DISPUTE DETAIL XXXX XXXX  ACCOUNTS Upon review of my credit reports from Experian, Equifax, and TransUnion, I found eight ( 8 ) active or potentially negative accounts reported under XXXX XXXX  only on my Experian report, with a total balance of {$14000.00}. These accounts are not present on my Equifax or TransUnion reports, which indicates a lack of consistency and potential data furnishing violation. 

Additionally, one of the XXXX entries on Experian is missing a balance entirely, which signals incomplete or fragmented account reporting. 

Under FCRA 1681e ( b ), credit bureaus are required to maintain the maximum possible accuracy of the information they report. Under 1681i ( a ), unverifiable data must be corrected or deleted within 30 days of dispute. Furnishers, under 1681s-2 ( a ), are required to report data completely and consistently to all major credit bureaus. XXXX XXXX reporting to Experian but not to the other bureaus, and its incomplete entry, violate these responsibilities. 

I am therefore formally disputing all XXXX XXXX accounts listed on Experian and requesting that they be immediately removed unless verified with complete payment histories, original loan agreements, and evidence of consistent data furnishing to all major credit bureaus.

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