Consumer complaint received 2026-05-15 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: AL

Complaint narrative:
I am submitting this formal dispute regarding inaccurate, inconsistent, and potentially unverifiable information currently reporting across my credit files maintained by Experian, Equifax, and TransUnion. After reviewing my credit reports, I identified multiple inaccurate address entries, duplicate account reporting, inconsistent charge-off and collection reporting, and conflicting account formats that raise serious concerns regarding compliance with the Fair Credit Reporting Act ( FCRA 1681e ( b ), 1681i, and 1681s-2 ), which require maximum possible accuracy, proper verification, and reasonable reinvestigation of disputed information. My credit reports contain several inaccurate, inconsistent, or unverifiable address listings, including XXXX XXXX XXXX, XXXX, AL XXXX, XXXX XXXX XXXX, XXXX, AL XXXX, XXXX XXXX XXXX XXXX, XXXX, AL XXXX, XXXX XXXX, XXXX, AL XXXX, and XXXX XXXX XXXX XXXX, XXXX, AL XXXX. These addresses appear incomplete, improperly formatted, outdated, or potentially unrelated to my identity. The presence of multiple conflicting addresses raises concerns regarding mixed-file reporting, inaccurate personal identifying information, and failures in maintaining accurate consumer data. Additionally, I am disputing several accounts being reported with inconsistent statuses and potentially duplicative reporting across the bureaus. These include XXXX XXXX account ending in XXXX, reported as a late closed account with a {$0.00} balance and an opening date of XX/XX/XXXX, and XXXX XXXX account ending in XXXX, reported as a charge-off with a balance of {$5000.00}. The XXXX XXXX account appears to be reported in multiple variations across my credit files, creating concerns regarding duplication, inconsistent furnishing, and account matching accuracy. Furthermore, the XXXX XXXX account ending in XXXX is being reported inconsistently with a {$0.00} balance while still reflecting a charge-off status, raising concerns regarding the accuracy and completeness of the reporting. I also identified multiple collection accounts being reported with differing balances, formats, and creditor descriptions across the bureaus, suggesting inconsistent furnishing and lack of standardized reporting. These include XXXX XXXX XXXX associated with XXXX reporting a balance of {$360.00} ; XXXX XXXX XXXX associated with XXXX XXXX {$2000.00} ; XXXX XXXX XXXX accounts associated with The Bank of Missouri XXXX {$2400.00} ), XXXX ( {$2700.00} ), and XXXX XXXX XXXX {$7000.00} ) ; and XXXX XXXX XXXXXXXX associated with XXXX XXXX reporting {$1500.00}. The repeated appearance of these accounts in slightly altered formats or under varying descriptions raises serious concerns regarding duplication, ownership verification, balance accuracy, and whether the accounts have been properly validated prior to reporting. The continued reporting of inconsistent address information, duplicate or conflicting account data, and potentially inaccurate collection and charge-off reporting creates a materially misleading representation of my credit history and may be negatively impacting my creditworthiness and financial standing. I have not been provided with sufficient supporting documentation, including complete account histories, validation records, signed agreements, ownership documentation, or verification records substantiating the accuracy and completeness of the disputed information.

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