Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I am a victim of identity theft and my credit file continues to show fraudulent, inaccurate, and unverifiable accounts despite seven rounds of disputes. My personal information was compromised in the Equifax Data Breach. Since then, the credit bureaus have repeatedly failed to comply with their obligations under the Fair Credit Reporting Act and Metro 2 reporting standards. 

Each time I disputed, I specifically invoked my right under 15 USC 1681i ( a ) ( 7 ) to a Method of Verification ( MOV ). The law requires the credit bureaus to disclose the name, address, and phone number of any furnisher contacted, the precise verification procedure used, and copies of any documents relied upon. Instead, the bureaus responded with vague verified language but provided no MOV. This is a clear and repeated violation of federal law. 

Examples of violations and Metro 2 inconsistencies include : XXXX XXXX Reported a 30-day late payment after the account was transferred and had a XXXX balance. Metro 2 prohibits delinquency reporting on transferred accounts. 

XXXX XXXX XXXX XXXX  Reported as paid/closed with XXXX balance, yet still shows late payments after closure. Metro 2 requires consistency across Account Status, Payment History, and Balance. 

XXXX XXXX Shows as both open/current and delinquent at the same time, which is impossible under Metro 2 field logic. 

XXXX Reported as charged off and transferred with XXXX balance, yet still shows active delinquencies and conflicting charge-off dates across bureaus. This violates both 1681e ( b ) accuracy and Metro 2 consistency requirements. 

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX as collections without any signed contracts, billing statements, or proof of permissible purpose. Equifax, Experian, and TransUnion all show contradictory statuses ( deleted, open, charged-off ), which proves the data is unverifiable. 

XXXX inquiry ( XX/XX/XXXX ) Unauthorized, with no permissible purpose under XXXX. No signed application or consumer authorization exists. 

XXXX XXXX TransUnion continues to list an incorrect date of birth ( XXXX  ) despite multiple disputes. This violates 1681e ( b ) maximum accuracy and Metro 2 requirements for consistent identifiers.

Applicable FCRA violations include : 1681e ( b ) : Failure to ensure maximum possible accuracy 1681i ( a ) ( 1 ) : Failure to conduct reasonable reinvestigations 1681i ( a ) ( 7 ) : Failure to provide Method of Verification after multiple requests XXXX : Unauthorized inquiry XXXX XXXX ) 623 ( a ) ( 2 ) : Furnisher failure to promptly correct or delete inaccurate data 1681c : Continued reporting of false DOB and identifiers Because no MOV has ever been provided and the tradelines contain contradictory and impossible data, these accounts are legally unverifiable and must be deleted. Reporting data that is internally inconsistent, duplicative, or factually impossible violates both the FCRA and Metro 2 industry standards. 

I am requesting CFPB intervention to : Compel the immediate deletion of all disputed tradelines, unauthorized inquiries, and inaccurate identifiers. 

Require the bureaus to produce a full Method of Verification for each disputed account, including copies of any documents, contracts, or records relied upon. 

Hold the bureaus and furnishers accountable for repeated FCRA and Metro 2 compliance violations that have caused financial harm, emotional distress, and credit denials. 

If the bureaus and furnishers can not prove it with MOV, they can not report it.

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