Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I " am filing this complaint regarding multiple inaccurate and damaging accounts being reported on my credit file by Experian, Equifax, and TransUnion. These items are being reported in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) including but not limited to 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 605 ( a ). 

These derogatory entries have not been properly verified, validated, or investigated. I am demanding immediate removal of the following accounts due to their unverifiable nature, inconsistent reporting, and failure to meet legal compliance requirements : Disputed Accounts : XXXX XXXX ( XXXX XXXX XXXX ) Status : Open with XXXX late payments Issue : Reporting severe delinquencies ( XXXX days late ) without providing proof of contract, billing statements, or accurate history. These lates are unverifiable and damaging. 

FCRA Violations : XXXX ( failure to verify accuracy ), XXXX ( b ) ( reporting incorrect/incomplete information ), XXXX ( a ) ( XXXX ) ( no documentation provided upon request ). 

XXXX Demanded : Full deletion of derogatory payment history and/or complete removal of the account if validation can not be provided. 

XXXX  Multiple Accounts ( Account numbers masked as XXXX ) Status : Open student loan accounts reporting as paid or paying as agreed, but appearing on multiple tradelines with inconsistent information. 

Issue : Duplicate or fragmented reporting inflating debt load and distorting account accuracy. No disclosure or proper investigation has been completed. 

FCRA Violations : 607 ( b ), 611 ( a ), 609 ( a ) ( 1 ) inaccurate duplicate tradelines, no verification of total balance structure. 

XXXX Demanded : Investigation into the accuracy of account duplication and correction/removal of any unverified entries. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Status : Open account with high utilization Issue : Reported balance and limit reflect aggressive utilization percentages. No documentation has been provided to confirm reported high balance or current terms. 

FCRA Violations : XXXX ( a ) ( XXXX ), XXXX ( a ) no validation provided for recent high balance and limit reporting. 

XXXX Demanded : Verify and correct any inaccurate reporting or remove the tradeline if data can not be substantiated. 

Legal Demand : In accordance with the FCRA, I am requesting the following : Complete investigation and verification of all the accounts listed above. 

Full file disclosure under XXXX ( a ) ( XXXX ). 

XXXX deletion of any accounts that can not be fully verified with original creditor documentation and proof of consumer liability. 

Failure to comply will result in further legal escalation, including civil claims for negligent and willful noncompliance. I expect all disputes to be resolved within the XXXX legal window required under XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX

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