Consumer complaint received 2025-12-16 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: NJ

Complaint narrative:
I am submitting this complaint against Equifax, Experian, and TransUnion, along with multiple data furnishers, for systemic violations of the Fair Credit Reporting Act ( FCRA )XXXX XXXX XXXX and XXXX XXXX XXXX reporting standards. 

Despite submitting multiple written disputes, identity verification, and lawful demands for reinvestigation, the credit reporting agencies have continued to report inaccurate, incomplete, unverifiable, inconsistent, and non-compliant information on my consumer credit file. These failures have caused ongoing financial harm, credit impairment, identity risk, and emotional distress. 

XXXX. Inaccurate & Unverifiable Personal Identifying Information The credit bureaus are reporting personal information that is false, unauthorized, and not verifiable, including but not limited to : Incorrect / Unauthorized Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported inconsistently and duplicated ) My only legal and correct name is XXXX XXXX. 
These name variations were not provided by me, not authorized, and not tied to any verified credit transaction. 

Incorrect / Unauthorized Dates of XXXX XXXX XXXX ( reported inconsistently ) My only correct date of birth is XX/XX/XXXX. Any other XXXX entries are inaccurate and unverifiable. 

Incorrect / Unauthorized Addresses ( Non-Deliverable ) XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX / XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX Variations of XXXX XXXX XXXX # XXXX / FL XXXX with incorrect ZIP extensions My sole current and correct address is : XXXX XXXX XXXX, XXXX, NJ XXXX Several of the listed addresses are non-deliverable by the XXXX. Postal Service, which alone disqualifies them from lawful reporting. 

Unauthorized Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these entities to furnish employment data to consumer reporting agencies. These entries are inaccurate, unverifiable, and improperly reported. 

XXXX XXXX Violations ( XXXX XXXX ) XXXX XXXX. XXXX ( b ) Failure to maintain maximum possible accuracy XXXX XXXX. XXXX ( a ) Failure to conduct a reasonable reinvestigation XXXX CFR Part XXXX ( XXXX XXXX ) Inaccurate consumer data handling XXXX identifying information is not a debt and can not be verified through third-party furnishers. If the bureaus can not show that I directly supplied each identifier through a lawful credit transaction, it does not belong on my credit file. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal data appears to have been verified, cross-referenced, or maintained using consumer data systems that have been publicly compromised, including data aggregation vendors involved in documented data breaches. 

Verification processes relying on breached databases can not meet the federal standard of accuracy or reliability. I do not consent to my personal identifiers being sourced, reused, or validated through compromised systems. 

Continuing to report personal data derived from insecure sources is reckless, unlawful, and dangerous, especially given the risk of identity theft and mixed-file contamination. 

XXXX. Paid Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account Details Furnisher : XXXX XXXX XXXX Original Creditor : XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Status : Paid Collection Despite having a XXXX balance, this account continues to be reported as a negative collection tradeline. 

Violations Related to This Account The credit bureaus and furnisher have failed to provide : A signed consumer contract Proof of lawful assignment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX compliance Yet the account has been repeatedly marked verified. 

This does not constitute a lawful reinvestigation under XXXX XXXX. XXXX ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The following data fields are inconsistent and non-compliant across Equifax, Experian, and TransUnion : Date Opened ( XXXX ) conflicting dates Last Reported conflicting dates Date Last Active ( XXXX ) conflicting dates Payment Status & Comments inconsistent formatting The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX deviation from XXXX XXXX standards jeopardizes XXXX integrity of the data. 

A paid collection that can not be validated with original, untainted records is inaccurate by definition and must be permanently deleted, not updated or suppressed. 

XXXX. Unauthorized Credit Inquiries My consumer report reflects credit inquiries that I did not authorize, and for which no permissible purpose exists under XXXX XXXX. XXXX. 

The credit bureaus have failed to provide : Signed applications Written consent Court orders Evidence of permissible purpose Unauthorized inquiries constitute illegal access to my consumer report and must be deleted immediately. 

XXXX. Improper Delays & Obstruction of Disputes I have reason to believe my disputes were delayed or obstructed based on assumptions that I received third-party assistance. Such delays are illegal and violate XXXX XXXX. XXXX. 

There is no statutory requirement that a consumer provide a XXXX of Attorney, nor does third-party assistance excuse delayed processing. 

Harm Caused As a result of these violations : My credit profile has been unlawfully damaged I have been exposed to identity theft and mixed-file risk My ability to obtain credit has been impaired I have suffered ongoing emotional distress I have spent excessive time correcting errors the bureaus are legally required to prevent Resolution Requested I respectfully request that the CFPB require Equifax, Experian, and TransUnion to XXXX Permanently delete all inaccurate, incomplete, and unverifiable personal identifying information Permanently delete the XXXX & XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX from all credit reports Remove all unauthorized inquiries lacking permissible purpose Conduct lawful reinvestigations compliant with FCRA XXXX Cease reliance on compromised data systems Provide written confirmation that my credit file reflects only accurate, verified, and compliant information Updating, suppressing, or re-reporting inaccurate data is not acceptable. 

Closing XXXX XXXX continued publication of inaccurate information after notice constitutes willful noncompliance with the Fair Credit Reporting Act. If these violations are not corrected, I reserve all rights to pursue further remedies. 

I respectfully request CFPB intervention to enforce compliance and protect my consumer rights.

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