Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Equifax CFPB Complaint Describe what happened I filed XXXX  XXXX bankruptcy on XX/XX/XXXX ( Case No. XXXX ). Despite this, my Equifax credit file dated XX/XX/XXXX still contains inaccurate and misleading information. 

Examples : XXXX XXXX shows a XXXX late in XX/XX/XXXX, after bankruptcy. 
XXXX  XXXX XXXX and XXXX XXXX show both Included in Bankruptcy and XXXX delinquent. 
CRB Secured Card shows a payment dated XX/XX/XXXX even though the account opened XX/XX/XXXX. 
Student loans with XXXX/Department of Education show false delinquencies dated XX/XX/XXXX, blank cumulative payment fields, and unexplained capitalization amounts ( {$130.00}, {$230.00}, {$600.00}, {$1700.00} ). 

Equifax has closed past disputes with Consumer disputes after resolution without correcting these items or providing verification. I submitted written disputes demanding verification ( contracts, DOFD certifications, payment histories, Metro 2 coding, audit logs ), but Equifax has not provided this documentation. 

Fair resolution Equifax should : 1. Correct or delete all inaccurate accounts that can not be verified.

2. Update all bankruptcy-included accounts to Included in Bankruptcy/ {$0.00} balance/ No derogatories after XX/XX/XXXX. 
3. Remove contradictory codes ( bankruptcy + late/charge-off ).

4. Delete unauthorized inquiries ( e.g., XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ). 
5. Correct personal information ( remove old addresses, employers, phone numbers ).

6. Provide written confirmation of compliance with FCRA and Bankruptcy Code. 



Experian CFPB Complaint Describe what happened I filed XXXX  XXXX bankruptcy on XX/XX/XXXX ( Case No. XXXX ). My Experian credit report dated XX/XX/XXXX shows multiple inaccuracies and misleading items. 

Examples : XXXX XXXX XXXXXXXX reports Charge-Off through XX/XX/XXXX and Bankruptcy, creating double derogatories. 
XXXX XXXX reports rolling charge-offs through XX/XX/XXXX, then bankruptcy. 
XXXX XXXX shows 180 days late each month through XX/XX/XXXX, then bankruptcy including after XX/XX/XXXX. 
CRB Secured Card lists last payment XX/XX/XXXX before the account even opened in XX/XX/XXXX. 
Student loans with XXXXDepartment of Education show false delinquencies dated XX/XX/XXXX, blank cumulative payments, and undocumented capitalization ( {$130.00}, {$230.00}, {$600.00}, {$1700.00} ). 

Experian has closed disputes with Updated from our processing or Consumer disputes after resolution without fixing these issues or providing verification. Written disputes demanded verification with contracts, payment ledgers, and Metro 2 coding, but Experian has not complied.

Fair resolution Experian should : 1. Correct or delete all inaccurate tradelines that can not be verified.

2. Update bankruptcy accounts to Included in Bankruptcy/ {$0.00} balance/ No derogatories after 6/17/25.

3. Remove false/contradictory coding. 
4. Delete unauthorized inquiries ( XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ). 
5. Correct personal information ( delete old addresses, employers, incorrect name variations ).

6. Provide written certification of compliance with FCRA and Bankruptcy Code. 



TransUnion CFPB Complaint Describe what happened I filed XXXX XXXX bankruptcy on XX/XX/XXXX ( Case No. XXXX ). My TransUnion credit report dated XX/XX/XXXX contains multiple inaccuracies. 

Examples : XXXX XXXX  XXXX shows Closed by grantor plus Bankruptcy, and post-petition late notations. 
XXXX XXXX reports bankruptcy plus rolling charge-offs through XXXX. 
XXXX Bank shows Charge-Off with remark First payment never received, which is prejudicial. 
XXXX shows Transferred ; was Charge-Off and Paid in full at the same time. 
Student loans with XXXXDepartment of Education show false delinquencies dated XX/XX/XXXX, blank cumulative payments, and undocumented capitalization amounts ( {$130.00}, {$230.00}, {$600.00}, {$1700.00} ). 
XXXX XXXX XXXX reported a collection on XX/XX/XXXX, after my bankruptcy filing. 

TransUnion has closed disputes with Consumer disputes after resolution while leaving errors uncorrected. I submitted written disputes demanding contracts, DOFD certifications, ledgers, Metro 2 fields, and audit logs, but TransUnion has not provided them. 

Fair resolution TransUnion should : 1. Correct or delete all unverifiable or inaccurate accounts.

2. Update bankruptcy accounts to Included in Bankruptcy/ {$0.00} balance/ No derogatories after 6/17/25.

3. Remove contradictory or prejudicial remarks.

4. Delete unauthorized inquiries ( XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ). 
5. Correct personal information ( delete outdated addresses, employers, and phone numbers ).

6. Provide written certification of compliance with FCRA and Bankruptcy Code.

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