Consumer complaint received 2025-11-08 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: PA

Complaint narrative:
CFPB Complaint - Inaccurate and XXXX XXXX XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, PA, XXXX DOB : XXXX SSN : Last XXXX digits of XXXX : XXXX Date : XX/XX/year> Credit bureaus or furnishers involved : TransUnion, Experian, Equifax Complaint Summary This complaint addresses the inaccurate and unverified information reported by TransUnion, Experian, and Equifax on my credit report. Despite previous disputes, these inaccuracies remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ), 1681i, and 1681s-2.

The continued presence of erroneous data has adversely affected my creditworthiness, resulting in loan denials and unfavorable credit terms. The failure of the credit bureaus to correct these inaccuracies has caused significant financial and emotional distress. 

Disputed Accounts XXXX  Account # : XXXX ( Equifax ) Issue : Duplicate derogatory reporting and unverifiable debt Violation ( XXXX ) : FCRA XXXX ( b ), XXXXXXXX XXXX Account # : XXXX ( Equifax ) Issue : Duplicate derogatory reporting and unverifiable debt Violation ( XXXX ) : FCRA XXXX ( b ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( TransUnion ) Issue : Unverifiable charge-off Violation ( XXXX ) : FCRA XXXX ( b ), XXXX XXXX  Account # : XXXX ( TransUnion ) XXXX : Duplicate derogatory reporting and unverifiable debt Violation ( XXXX ) : FCRA XXXX ( b ), XXXX XXXXXXXX XXXX  Account # : XXXX ( TransUnion, Experian ) Issue : Unverifiable charge-off Violation ( XXXX ) : FCRA XXXX ( b ), XXXX XXXX  Account # : XXXX ( TransUnion ) Issue : Unverifiable charge-off Violation ( XXXX ) : FCRA XXXX ( b ), XXXX XXXX XXXX Account # : XXXX ( TransUnion, Experian ) Issue : Unverifiable charge-off Violation ( XXXX ) : FCRA XXXX ( b ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( TransUnion ) Issue : Unverifiable charge-off Violation ( XXXX ) : FCRA XXXX ( b ), XXXX Hard Inquiry Disputes XXXX XXXX XXXX Date of inquiry : XXXX Bureau ( XXXX ) reporting it : TransUnion Issue : Unauthorized inquiry Legal Reference : FCRA XXXX XXXX CARD Date of inquiry : XXXX Bureau ( XXXX ) reporting it : TransUnion, Experian Issue : Unauthorized inquiry Legal Reference : FCRA XXXX XXXX  Date of inquiry : XXXX Bureau ( XXXX ) reporting it : TransUnion, Experian Issue : Unauthorized inquiry Legal Reference : FCRA XXXXXXXX XXXX  Date of inquiry : XXXX Bureau ( XXXX ) reporting it : TransUnion, Experian Issue : Unauthorized inquiry Legal Reference : FCRA XXXX XXXX Date of inquiry : XXXX Bureau ( XXXX ) reporting it : Experian Issue : Unauthorized inquiry Legal Reference : FCRA XXXX XXXX Date of inquiry : XXXX Bureau ( XXXX ) reporting it : TransUnion, Experian, Equifax Issue : Unauthorized inquiry Legal Reference : FCRA XXXX XXXX Date of inquiry XXXX XXXX Bureau ( XXXX ) reporting it : Equifax Issue : Unauthorized inquiry Legal Reference : FCRA XXXX XXXX XXXXate of inquiry : XXXX XXXX ( XXXX ) reporting it : Equifax Issue : Unauthorized inquiry Legal Reference : FCRA XXXX XXXX XXXX Date of inquiry : XXXX Bureau ( XXXX ) reporting it : TransUnion Issue : Unauthorized inquiry Legal Reference : FCRA XXXX XXXX  Date of inquiry : XXXX XXXX ( XXXX ) reporting it : Equifax Issue : Unauthorized inquiry Legal Reference : FCRA XXXX XXXX XXXX  Date of inquiry : XXXX Bureau XXXX XXXX ) reporting it : TransUnion, Experian, Equifax Issue : Unauthorized inquiry Legal Reference : FCRA XXXXXXXX XXXX XXXX XXXX XXXX XXXX of inquiry : XXXX Bureau ( XXXX ) reporting it : Experian Issue : Unauthorized inquiry Legal Reference : FCRA XXXX Personal Info Discrepancies Incorrect names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : FCRA 1681e ( b ) Legal Basis FCRA 1681i, 1681s-2 , 1681e ( b ) Metro 2 guidelines - Industry standard for data formatting Consumer Harm The inaccuracies on my credit report have led to loan denials, higher interest rates, and have negatively impacted my ability to secure housing and employment. This has caused significant financial stress and emotional distress.

Requested Resolution I request the permanent deletion of all unverifiable and inaccurate items from my credit report. I also demand a full reinvestigation with proper documentation and correction of any illegal or incorrect reporting.

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