Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing this complaint because multiple furnishers and credit reporting agencies are reporting inaccurate, inconsistent, and unverifiable information on my consumer credit reports, and they have failed to correct these issues despite repeated disputes. The accounts involved include XXXX XXXX XXXX  ( XXXX ), XXXX  XXXX XXXX ( XXXX ), XXXXXXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX  XXXX ( XXXX ), XXXX XXXX XXXX XXXX accounts ending in XXXX and XXXX, and XXXX XXXX account number XXXX. 

For these accounts, the payment histories, balances, account statuses, dates of activity, and delinquency information are not reported consistently across Equifax, Experian, and TransUnion. In several instances, the credit bureaus are reporting charge-offs or late payments without any corresponding payment history, delinquency progression, or Date of First Delinquency. In other cases, the same account shows different balances, different high credit or credit limit amounts, different dates opened, and different last activity dates depending on the bureau. These contradictions make it impossible for the information to be accurate or verifiable. 

I have formally disputed these inaccuracies directly with the credit reporting agencies. Instead of conducting a reasonable reinvestigation, the bureaus have relied on automated responses from furnishers and have continued to report the same defective information without providing any documentary proof. No billing statements, payment ledgers, signed agreements, or authenticated records have been produced to support the alleged late payments, charge-offs, or balances being reported. This failure violates the Fair Credit Reporting Acts requirement to maintain maximum possible accuracy and to conduct a lawful reinvestigation when a dispute is submitted. 

In addition, several credit inquiries have been placed on my credit reports without my knowledge, consent, or authorization. These include inquiries by XXXX XXXX XXXX, Experian XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ), XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on the dates listed. I did not apply for credit, initiate a transaction, or provide written authorization for these entities to access my consumer report. These inquiries lack a permissible purpose under the Fair Credit Reporting Act and are therefore unlawful. I have requested proof of authorization, such as a signed application or written consent, and none has been provided. 

I am also a confirmed victim of major data breaches, including the Equifax data breach and the XXXX XXXX XXXX XXXX, which significantly increases the risk that my personal information has been misused. Given this context, the presence of unauthorized inquiries and inconsistent account data strongly indicates that my information has been accessed and reported improperly. 

Despite clear notice of these issues, the credit reporting agencies have continued to report this information and have closed disputes without resolving the inaccuracies. This ongoing reporting is causing harm to my credit profile, affecting my ability to obtain credit on fair terms, and exposing me to financial and reputational damage.

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