Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute Request for Deletion of Inaccurate & Unverifiable Accounts To Whom It May Concern : This letter is my official dispute under FCRA, FACTA, and XXXX XXXX compliance regarding inaccurate and unverifiable information on my Experian report. 

1. XXXX XXXX Account Number : XXXX Balance : {$18000.00} Past Due : {$2100.00} Reported Late Payments : 9 Last Payment : XX/XX/XXXX Opened : XX/XX/XXXX Disputed Issues Payment history shows inconsistent and repetitive late-payment cycles not supported by actual payment records. 


Account reports as open but carries 120+ day delinquencies for years, violating XXXX XXXX consumer-loan coding. 


Balance increase from {$7500.00} to {$18000.00} is unverified. 


Inconsistent reporting across bureaus suggests data errors.

Missing required data elements under FCRA 602 & 611 regarding accuracy.

Requested Action : Delete this account immediately for failure to meet accuracy and verifiability standards.

2. XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX Status : Collection Disputed Issues No verification of debt. 


Missing or incomplete billing and assignment documentation. 


Inconsistent with TransUnion and Equifax reporting. 


Violates XXXX XXXX coding and FCRA accuracy requirements. 


Requested Action : Delete immediately. 
3. ( If XXXX  appears on Experian ) If the XXXX  account also appears, the same dispute basis applies : unverified assignment, missing validation, inconsistent reporting. 
Please investigate and respond with your findings within 30 days, including the method of verification. 


Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute & Request for Immediate Deletion XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am formally disputing the accuracy, completeness, and legal compliance of the following accounts appearing on my Equifax credit report. These items contain multiple violations of the FCRA ( 15 USC 1681 ), FACTA, and XXXX XXXX reporting standards, and must be deleted immediately. 

1. XXXX XXXX Account Number : XXXX Balance : {$18000.00} Reported Late Payments : 9 Status Updated : XX/XX/XXXX Past Due Amount : {$2100.00} Date Opened : XX/XX/XXXX Disputed Issues Reporting multiple consecutive 90120-day late payments over several years but showing an open, current installment account, which violates XXXX XXXX guidelines requiring consistent reporting and status logic.

Current balance listed as {$18000.00}, but original balance {$7500.00}, with no legally required explanation for the inflated reporting or how the balance increased. 


Last payment recorded XX/XX/XXXX, yet payment history continues through XXXX despite no verified activity. 


Late-payment aging pattern is inconsistent between months and years, indicating improper furnisher data mapping. 


Account lacks required creditor information, which violates FCRA 1681s-2 ( a ) accuracy obligations.

Requested Action : Because of these inconsistencies, unverifiable updates, reporting conflicts, and missing legally required data, this account must be deleted immediately. Please provide the method of verification and the name/contact of the individual who verified this information as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

2. XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Original Creditor : XXXX Balance : {$120.00} Status : Unpaid Collection Date Opened : XX/XX/XXXX Disputed Issues No payment history or valid activity provided. 


Creditor information and validation data missing. 


Conflicting reporting between bureaus ( collection vs. open account ). 


Fails XXXX XXXX industry guidelines for collection accounts. 


No proof of assignment or right to collect. 


Requested Action : Delete this account immediately due to unverifiable and inaccurate reporting. 

Please conduct a full investigation within 30 days and provide updated results in writing. 



Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute & Request for Immediate Deletion XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am formally disputing the accuracy, completeness, and legal compliance of the following accounts appearing on my Equifax credit report. These items contain multiple violations of the FCRA ( 15 USC 1681 ), FACTA, and XXXX XXXX reporting standards, and must be deleted immediately. 

1. XXXX XXXX Account Number : XXXX Balance : {$18000.00} Reported Late Payments : 9 Status Updated : XX/XX/XXXX Past Due Amount : {$2100.00} Date Opened : XX/XX/XXXX Disputed Issues Reporting multiple consecutive 90120-day late payments over several years but showing an open, current installment account, which violates XXXX XXXX guidelines requiring consistent reporting and status logic.

Current balance listed as {$18000.00}, but original balance {$7500.00}, with no legally required explanation for the inflated reporting or how the balance increased. 


Last payment recorded XX/XX/XXXX, yet payment history continues through XXXX despite no verified activity. 


Late-payment aging pattern is inconsistent between months and years, indicating improper furnisher data mapping. 


Account lacks required creditor information, which violates FCRA 1681s-2 ( a ) accuracy obligations.

Requested Action : Because of these inconsistencies, unverifiable updates, reporting conflicts, and missing legally required data, this account must be deleted immediately. Please provide the method of verification and the name/contact of the individual who verified this information as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

2. XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Original Creditor : XXXX Balance : {$120.00} Status : Unpaid Collection Date Opened : XX/XX/XXXX Disputed Issues No payment history or valid activity provided. 


Creditor information and validation data missing. 


Conflicting reporting between bureaus ( collection vs. open account ). 


Fails XXXX XXXX industry guidelines for collection accounts. 


No proof of assignment or right to collect. 


Requested Action : Delete this account immediately due to unverifiable and inaccurate reporting. 

Please conduct a full investigation within 30 days and provide updated results in writing.

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