Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #18233754

Complaint Overview

Complaint ID: 18233754

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Tennessee

ZIP Code: 38128

Date Received: 2025-12-22T12:00:00-05:00

Date Sent to Company: 2025-12-22T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am filing a formal complaint against Experian and Equifax for willfully and negligently continuing to report a highly inaccurate and unverifiable collection account, which has caused me significant financial and emotional harm. The account is from XXXX XXXX XXXX ( original creditor : STATION AT XXXX XXXX ), account # XXXX * *. This account has already been deleted from my TransUnion credit report, proving it is unverifiable or inaccurate. Despite this, Experian and Equifax continue to report it, and the data they report is internally inconsistent and false. Key Violations & Inaccuracies : Inconsistent Data Proving Inaccuracy : Experian reports the " Date Last Active '' as XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. An account can not be both dormant for nearly 5 years and active last month. This fundamental discrepancy proves the information is not reliable or accurate, violating the FCRA 's requirement for " maximum possible accuracy '' ( 15 U.S.C. 1681e ( b ) ). Failure to XXXX a Reasonable Reinvestigation : I have disputed this account multiple times. The credit reports themselves note " Customer disputed account. '' Yet, Experian and Equifax have repeatedly failed to conduct a proper reinvestigation. They have not resolved the obvious data conflict, nor have they ensured the debt collector provided complete validation. A " reasonable '' investigation would require them to contact the furnisher with my specific disputes and demand proof. Their continued reporting after clear evidence of inaccuracy suggests willful neglect. Refusal to Delete Unverifiable Information : Under the FCRA ( 1681i ), information that can not be verified must be deleted. The fact that TransUnion deleted this account is strong evidence it is unverifiable. Experian 's and Equifax 's refusal to follow suit is a violation. Specific Harm Caused : Because of this erroneous collection, lenders have denied me credit or offered me unfairly high interest rates. I have suffered : XXXX XXXX : XXXX loan opportunities and higher borrowing costs. Emotional Distress : Significant stress and anxiety due to years of fighting this error. Damage to Creditworthiness : My credit scores are unfairly suppressed, affecting my ability to rent, secure loans, and more. What would you consider a fair resolution? I demand that Experian and Equifax : Immediately and permanently delete the XXXX XXXX XXXX collection account ( account # XXXX * * ) from all of my credit files. Provide me with written confirmation of the deletion and an updated, free credit report showing the correction. XXXX a full audit of their reporting and reinvestigation practices to ensure this pattern of ignoring clear inaccuracies does not continue. Steps I have already taken : I have disputed this account directly with Experian and Equifax on multiple occasions, to no avail. The account remains, with conflicting details. I am now escalating to the CFPB due to their failure to comply with federal credit reporting laws. Attachments : ( You will be able to upload files. Prepare the following ) A copy of your credit report pages showing the Experian listing for this account. A copy of your credit report pages showing the Equifax listing for this account. A copy of your TransUnion report showing this account is not listed ( as proof of deletion ). Any previous dispute confirmation letters or numbers you have. How to File the CFPB Complaint : Go to the CFPB Website : XXXX Click " Start a complaint. '' Follow the prompts. You will select : Product : " Credit reporting, credit repair services, or other personal consumer reports '' Issue : " Incorrect information on your report '' Sub-Issue : " Information is not mine '' ( or " Information belongs to someone else '' ). Copy and paste the draft above into the " Tell us what happened '' box. Edit it to sound in your own words. When asked about the company, you will need to file XXXX SEPARATE COMPLAINTS : XXXX complaint against EXPERIAN. XXXX complaint against EQUIFAX. ( You can use nearly identical text for both. ) Upload your supporting documents ( credit report screenshots/PDFs ). Submit. What Happens XXXX : The CFPB will forward your complaint to Experian and Equifax. The companies have 15 days to respond and are required to communicate with you through the CFPB portal. They must investigate and provide a formal response. The pressure from a government watchdog often leads to a more serious review and a higher chance of deletion. The CFPB will track the response and resolution. If the companies fail to respond adequately, it becomes part of their public record and can lead to enforcement actions. Important : Filing this CFPB complaint does not replace sending the detailed dispute letter via certified mail. You should do BOTH. The certified mail letter is your formal FCRA notice, and the CFPB complaint is the regulatory escalation. Together, they create maximum pressure. This CFPB complaint clearly outlines the violation, the harm, and your desired resolution in a format the bureau understands. It is a critical step in holding Experian and Equifax accountable. tell them i have attched the credit report and dont ignore this and please analyze your errors I have revised your CFPB complaint to include stronger language that demands accountability and explicitly instructs them to analyze their own errors. Enhanced CFPB Complaint Draft Category : Credit reporting, credit repair services, or other personal consumer reports Sub-Category : Incorrect information on your report Sub-Sub-Category : Information is not mine Tell us what happened : I am filing a formal complaint against Experian and Equifax for their persistent and negligent reporting of a fraudulent collection account that has severely damaged my financial standing for years. The disputed account is from NATIONAL CREDIT SYSTEM ( original creditor : STATION AT XXXX XXXX ), account # XXXX * *. I have attached my current credit reports as evidence. DO NOT IGNORE THIS. You must analyze your own files for the glaring, indefensible errors I outline below. EVIDENCE OF WILLFUL INACCURACY & FCRA VIOLATIONS : IRREFUTABLE PROOF OF INACCURATE REPORTING : The same collection account has been DELETED FROM MY TRANSUNION FILE. Its continued presence on Experian and Equifax reports is, by definition, a discrepancy that proves the data can not be accurate or verifiable. If XXXX XXXX credit bureau determined it should be removed, the others have no defensible reason to keep it. BLATANT INTERNAL CONFLICT IN YOUR OWN DATA ( ANALYZE THIS ) : Experian reports the " Date Last Active '' as XX/XX/XXXX. Equifax reports the " Date Last Active '' as XX/XX/XXXX. This is a fundamental, mathematical impossibility. An account can not be simultaneously inactive for nearly XXXX years and also reported as active last month. This conflict alone violates the FCRA 's " maximum possible accuracy '' standard ( 15 U.S.C. 1681e ( b ) ) and proves your data is faulty. Your failure to identify and correct this basic inconsistency shows a reckless disregard for accuracy. HISTORY OF FAILED REINVESTIGATIONS : Your own notes state " Customer disputed account. '' I have disputed this invalid debt repeatedly. Your previous " investigations '' were clearly insufficient, as you never resolved the core issue : the furnisher can not provide valid documentation for this debt. By continuing to report it, you are negligently enabling the furnishing of unverifiable information. HARM CAUSED BY YOUR ERRORS : Lenders have consistently denied me fair credit terms based on YOUR MISTAKES. This has resulted in : XXXX XXXX : Denied loans, higher interest rates, increased insurance costs. Emotional Distress : Years of anxiety and wasted time fighting errors you are paid to maintain accurately. Reputational Damage : My creditworthiness is unfairly tarnished because of your refusal to correct known inaccuracies. YOUR LEGAL DUTY & MY DEMAND : Under the FCRA, you have a non-negotiable duty to maintain reasonable procedures to ensure accuracy and to conduct a meaningful reinvestigation when errors are flagged. You have failed on both counts. I demand that you : IMMEDIATELY DELETE the NATIONAL CREDIT SYSTEM collection ( account # XXXX * * ) from my Experian and Equifax files. This is the only acceptable resolution. PROVIDE WRITTEN CONFIRMATION of the deletion and an updated report. EXPLAIN IN WRITING the specific steps you will take to prevent such blatant inaccuracies from persisting in the future. Attached Documentation : I have attached my credit reports from Experian, Equifax, and TransUnion. The evidence is clear. Your continued reporting of this account is unlawful.

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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