Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am filing a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), involving reporting discrepancies and lack of proper dispute handling across Experian, Equifax, TransUnion, and various furnishers. 

I have already submitted debt validation letters to all the collection agencies involved and have USPS delivery confirmation. I have also submitted a XXXX consumer file request to trace potential upstream file pollution. 

Below is a breakdown of the issues by account and agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reporting on TransUnion and Equifax, but not Experian Disputed on XX/XX/XXXXXXXX XXXX  still shows as active collection No written notice of reinsertion was provided ( required under FCRA 611 ( a ) ( 5 ) ( B ) ) Balance : {$3200.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting on all 3 bureaus for {$1600.00} Only Experian acknowledges my XX/XX/XXXX dispute TransUnion and Equifax do not mark the account as disputed ( violates FCRA 623 ( a ) ( 3 ) ) Equifax report is missing the Date of First Delinquency, which is required under FCRA Debt validation letter sent and received no verification provided XXXX. XXXX XXXX XXXX XXXX ) Reporting {$2100.00} on all three bureaus Debt validation letter sent and confirmed delivered Still reporting as a collection on Equifax, marked as Closed but with active derogatory status Listed under Other account type unclear classification Disputed by consumer no documentation provided XXXX. XXXX / XXXX ( XXXX ) Reported on Experian and Equifax as a {$100.00} charge account I never received, used, or activated this card Disputed with Experian in XX/XX/XXXX XXXX but the account was verified without any documentation Credit limit is {$100.00} / High balance is {$0.00} no usage ever occurred Closed by creditor, not consumer possibly tied to a fraudulent Texas address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported on Equifax only for {$2600.00} Previously deleted from other bureaus Reappeared on Equifax as of XX/XX/XXXX, without reinsertion notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) Last payment was in XXXX this may be an illegal re-aging of the debt Account is disputed 6. Experian Inaccurate Personal Information Experian is listing 26 separate addresses on my report, including one from Texas where I have never lived This is likely the result of file contamination or mixed file identity theft TransUnion and Equifax both correctly show only my 3 most recent addresses Experian has ignored prior disputes to remove these This violates FCRA 607 ( b ) : failure to maintain accurate, complete, and up-to-date consumer file information Requested Resolution : Immediate deletion of any unverifiable, inaccurate, or misrepresented accounts Mandatory dispute markings across all bureaus Documentation proving ownership and origin of any debt accounts Deletion of the fraudulent Macys tradeline Removal of the Texas address and other inaccurate personal info from Experian Review of XXXX XXXX account for possible illegal re-aging or reinsertion Bureau-level enforcement of compliance

Company response to consumer: Closed with explanation