Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX RE : Formal Complaint Against Experian for Multiple FCRA Violations, Including Conflicting Account Reporting, False Opening Dates, and Duplicate Tradelines I am writing to file a formal and urgent complaint against Experian Information Solutions , Inc. for repeated, systemic, and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and blatant disregard for XXXX XXXX compliance standards. 

Upon review of my most recent Experian credit report dated XX/XX/XXXX, I have identified a wide pattern of falsified account histories, duplicate tradelines, conflicting data across bureaus, unauthorized inquiries, and improper reporting of personal identifiers including names and addresses that breach both privacy and federal regulation. 

The following is a line-by-line breakdown of material violations and discrepancies across my file with full detail not abstract summaries, but date-for-date and bureau-by-bureau. 

: XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian is reporting multiple versions of the same account number with entirely conflicting dates and statuses. These are not isolated data entry mistakes they are fabricated, duplicated tradelines that misrepresent my credit history : EXPERIAN Entry XXXX : Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Status : Closed Current XXXX  Entry XXXX : Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Status : Closed EXPERIAN Entry XXXX : Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Status : Closed Current TRANSUNION Entry XXXX : Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Status : Closed Late 30 Days EXPERIAN Entry XXXX : Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Status : Closed Refinance Remarks : Refers to same debt as previous entries, falsely presented as a new account. 

EXPERIAN Entry 4 ( Fraudulent Early-Date Duplicate ) : Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Status : Closed Current Remarks : This version assigns a false, earlier opening date to the same exact account number manipulating credit age and payment chronology. 

Equifax does not report this account at all, further proving that Experians four entries are the result of intentional or grossly negligent duplication. 

This is a direct and ongoing violation of : FCRA 1681e ( b ) Failure to maintain reasonable procedures to ensure accuracy FCRA 1681s-2 ( b ) Furnishing of inaccurate data after notification FCRA 1681i ( a ) Failure to reinvestigate disputed accounts XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX This is another Lendmark account with XXXX different timelines across Experian and TransUnion. 

EXPERIAN Entry : Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : {$21000.00} Status : Closed Chargeoff Remarks : Consumer disagrees with outcome. 

XXXX  Entry : Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : {$21000.00} Status : Closed Collection/Chargeoff Equifax does not report this account. Yet again, Experian reports an earlier opening date and later report date, contradicting TransUnion. These errors manipulate the reported age of the account and the timeline of default, both of which influence scoring models. 

XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Status : Closed Chargeoff Balance : {$7200.00} Remarks : Account seriously past due and assigned to collections. 

XXXX  : Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Status : Closed Collection/Chargeoff Balance : {$7200.00} XXXX  : XXXX Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Status : Open 120 Days Late Balance : {$7200.00} Remarks : Account still open and delinquent. 

Violation Summary : This is XXXX account, reported three different ways : Experian falsely reports it as closed and charged off, XXXX  reports it as open and delinquent, XXXX  uses yet a different opening date. 

Experian 's version is unverifiable and directly contradicts its peer agencies. Furthermore, no 1099-C was issued to support a charge-off of {$7200.00}, which raises both legal and IRS compliance concerns. Experian is in violation of FCRA 1681e ( b ) for failing to ensure accuracy, and 1681s-2 ( b ) for continuing to furnish incorrect information. 

XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Status : Closed Paid XXXX  : Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Status : Closed Paid XXXX  : Not reporting. 

Even a 9-day discrepancy in open date and 6-day in report date between Experian and TransUnion contributes to incorrect account aging, violating XXXX XXXX field standards for uniform account chronology. XXXX version distorts my credit history timeline, and therefore my scoring metrics. 

XXXX XXXX Account Numbers : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN ENTRY XXXX : Opened : XX/XX/XXXX Reported : XX/XX/XXXX Status : Closed Paid Balance : {$0.00} EXPERIAN ENTRY XXXX : Opened : XX/XX/XXXX Reported : XX/XX/XXXX Status : Closed Paid Balance : {$0.00} XXXX  ENTRY XXXX : Opened : XX/XX/XXXX Reported : XX/XX/XXXX TRANSUNION ENTRY XXXX : Opened : XX/XX/XXXX Reported : XX/XX/XXXX Violation Summary : Experian is reporting two separate loans under XXXX  with different dates but no account number separation, presenting the illusion of multiple installment accounts. These are in fact a single structured payment plan. This duplication falsely inflates my open/closed account count and affects debt-to-tradeline ratios, violating XXXX XXXX compliance for accurate portfolio segmentation. 

XXXX. UNAUTHORIZED HARD INQUIRIES ON EXPERIAN FILE I have never initiated any application, consented to, nor provided written authorization for credit inquiries from the following institutions shown on my Experian report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX These inquiries violate FCRA 1681b ( a ) and 1681b ( f ) no permissible purpose exists. Their presence has reduced my score and subjected me to higher loan rates and denials. 

PRIVACY BREACH : UNAUTHORIZED ADDRESSES & NAMES Experian is reporting multiple names and addresses I have never used, authorized, or resided at, including but not limited to : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX XXXX, GA These addresses are false and misleading. I have never lived there nor received mail at these locations. They create the appearance of instability, fraud risk, and confusion to lenders, insurers, and rental applications. 

The only accurate address that should appear on my Experian report is : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Further, my name must be listed only as : XXXX XXXX XXXX. Experian continues to report duplications and variations, violating FCRA 1681g ( a ) by failing to provide a complete and accurate file disclosure, and 1681e ( a ) for permitting identity-confusing inaccuracies.

This breach of privacy may also violate state identity protection laws and increases the risk of identity theft and data misuse. 

TRAFFIC BLOCK REQUEST PURSUANT TO FCRA 1681c-2 Under my right to request a block of information resulting from fraud, mixed files, or false associations, I am requesting an immediate TRAFFIC BLOCK of : All inaccurate addresses All duplicate or variant names All unverifiable hard inquiries listed above Experian has failed to correct this information voluntarily and must now be compelled to comply under law.

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