Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint Narrative ( paste into What happened ) Summary : This complaint concerns inaccurate credit reporting, failure to correct personal information, and inadequate investigations by national credit reporting agencies. I have repeatedly requested corrections and provided documentation. My files still show inaccurate personal identifiers, inconsistent account data across bureaus, and hard inquiries I did not authorize. I also requested the Method of Verification ( MOV ) for items verified after disputes and did not receive adequate responses. There are indicators of identity theft and mixed-file issues.

1 ) Personal Information Errors ( Metro 2 Code 112 ) : My reports include incorrect and outdated addresses, name formatting variants, and employer/phone listings that are not current or are associated with identity-theft exposure.

I requested deletion of all outdated addresses and non-current identifiers and asked that only my current legal name and current address remain. These corrections were not made consistently across all bureaus.

2 ) Cross-Bureau Inconsistencies & Data Quality Defects : The same tradelines display conflicting information across TransUnion, Experian, and Equifax ( e.g., balance, payment status, high credit/limits, dates opened/last payment, and payment-history strings ).

Some accounts show late-payment codes that do not align with the actual payment history or show OK strings paired with a charge-off/collection status, which is misleading.

3 ) Unauthorized/Improper Hard Inquiries : My files list hard inquiries that I did not authorize. I asked for permissible-purpose details under FCRA 604 and for those inquiries to be deleted or re-coded as soft if authorization can not be shown. This remains unresolved.

4 ) Identity-Theft / Mixed-File Indicators : Due to prior data-breach exposure ( e.g., large, widely reported breaches of major companies in recent years ), my personally identifiable information may have been compromised.

I requested blocking of identity-theft related information under FCRA 605B, as well as freezes/opt-outs with specialty agencies when appropriate.

5 ) Inadequate Investigations & Missing MOV : After submitting disputes, certain items were marked verified without the bureaus providing the Method of Verification I requested ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ).

I asked for the furnishers name/member code, documents reviewed, and whether verification was manual or e-OSCAR, but I did not receive a compliant response.

6 ) Harm : These failures affect my creditworthiness, increase the risk of further identity theft, and have caused denial risk and higher pricing for credit or insurance. 

I have spent significant time preparing disputes, sending documentation, and following up without resolution.

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