Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After submitting my initial disputes, I received responses from the credit bureaus that did not include any verification evidence or identifying details of the furnisher. Instead of resolving the inconsistencies, the accounts were simply marked as verified without documentation. Upon further review, I discovered that each bureau continues to show different and logically incompatible data for the same accounts. 

XXXX XXXX XXXX Account XXXX Equifax reports the account as Paid and Current with no past due balance. Experian and TransUnion, however, show Closed with 30-day delinquency and past due amounts. These differences violate Metro2 field alignment requirementsstatus, past due, and payment history can not conflict across bureaus. 

XXXX XXXX Account XXXX All three bureaus mark this account as Charge-off, yet Equifax lists a {$0.00} credit limit while Experian and TransUnion report {$1500.00}. High credit and date fields are inconsistent across reports. Reporting a {$0.00} limit alongside an active balance violates Metro2 logical field consistency, inflating my utilization and negatively impacting my FICO score. 

XXXX Account XXXX Equifax lists a XXXX credit limit but a high credit of {$5500.00}, while Experian lists a {$600.00} limit and {$0.00} high credit. TransUnion shows a {$600.00} limit with a {$5500.00} high credit. These contradictions create false risk indicators for utilization and recency, harming my credit profile. 

Personal Identifiers There are conflicting versions of my name, address, and employer across the three bureaus, which I have disputed. These inaccuracies increase the risk of mixed-file errors and reinsertion of deleted data. 

Unauthorized Inquiries I disputed inquiries such as XXXX ( Equifax ), XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) because I do not recall authorizing them and requested documentary proof of permissible purpose under FCRA 604.

Data Breach Impact My concerns are further heightened by Equifaxs prior data breach, to which I was directly impacted ( XXXX XXXX XXXX  Impacted : YES ), and the XXXX  Breach ( XXXX  Breach Impacted : YES ). 
Given these breaches, Equifax and other data furnishers have a heightened duty to ensure accuracy, safeguard personal data, and prevent identity-mixing or reinsertion of previously deleted items. Reporting such contradictory and unverifiable data after known data compromise constitutes negligence under FCRA 623 ( a ) ( 2 ) and FACTA identity protection provisions. These inaccuracies could be the direct result of data mishandling post-breach and have caused additional financial harm and emotional distress, as my credit data appears to have been corrupted or mishandled following those breaches. 

Prior Bureau Responses and Harm Despite repeated written requests, I have not received a valid Method of Verification. Each bureau failed to provide the name, address, phone, or email of the verifying party and the actual documents used ( such as original applications or payment histories ). The ongoing inconsistencies continue to cause score suppression, denial of new credit, and emotional distress due to the ongoing reporting of false derogatory information. 

Requested Resolution Immediate Deletion of the XXXX disputed accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from all credit bureaus due to unverified and contradictory data. 

In the alternative, remove all derogatory or charge-off notations and correct every Metro2 data field, ensuring that credit limit, balance, past due, status, and all date fields are uniform across bureaus. 

Delete unauthorized inquiries unless verifiable proof of permissible purpose with date, time, and authorization is produced. 

Permanently remove inaccurate personal identifiers and prevent reinsertion without written notice under FCRA 611 ( a ) ( 5 ).

Provide full Method of Verification detailsincluding the verifying partys contact info and all records used to verify the accounts.

Summary Justification This case involves violations of FCRA 611 ( failure to conduct reasonable reinvestigation ), 607 ( b ) ( failure to ensure maximum possible accuracy ), and 623 ( a ) ( 2 ) ( failure to correct and update information ). The contradictory reporting across Equifax, Experian, and TransUnion clearly violates Metro2 standards for consistency and logical field alignment. Furthermore, the Equifax and XXXX data breaches increase the likelihood that my credit data has been mishandled, resulting in unreliable reinvestigations and corrupted records. 

Given the pattern of non-compliance and the data security implications, I request that the Consumer Financial Protection Bureau require immediate deletion of all unverified accounts and corrective action by Equifax, Experian, and TransUnion to restore the accuracy and integrity of my consumer file. 

Recommendation : Proceed with full deletion of the disputed accounts and file escalation with both the CFPB and the State Attorney General for enforcement of FCRA and FACTA compliance. The evidence shows systemic reinvestigation failures, post-breach negligence, and harm to my credit reputation that can not be cured by minor corrections.

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