Consumer complaint received 2025-11-10 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: NV

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint because Experian and TransUnion continue to report false, unverifiable, and contradictory information on my credit reports. These bureaus have failed to comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards, resulting in ongoing credit damage and emotional distress. 

XXXX. False Bankruptcy Reporting I have never filed for bankruptcy, yet both Experian and TransUnion are reporting accounts as included in or XXXX through Bankruptcy Chapter XXXX, XXXX, or XXXX. 
The accounts affected are : XXXX XXXX ( Account # XXXX ) XXXX  XXXX ( Account # XXXX ) Both accounts are showing {$0.00} balances and closed statuses but are inaccurately marked as part of a bankruptcy case that never occurred. These false remarks directly violate : FCRA 611 ( a ) ( 1 ) ( A ) Duty to ensure maximum possible accuracy.

FCRA 611 ( a ) ( 5 ) ( A ) Requirement to delete unverifiable or incomplete information.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate. 

The information reported is inconsistent across the XXXX bureaus : Experian lists both accounts as Debt included in or XXXX through Bankruptcy. 

TransUnion lists Chapter XXXX bankruptcy for the same XXXX account but with different open and last activity dates. 

The dates, payment status, and comments fields conflict across both bureaus, which violates XXXX XXXX Sections 2.3.1.2 and 6.2, as well as Compliance Condition Codes CI and XXXX, which prohibit contradictory coding. Because I have provided written notice disputing these errors and no verification has been produced, these tradelines must be deleted immediately. 

XXXX. Unauthorized and Illegal Inquiries Both Experian and TransUnion are reporting multiple unauthorized hard inquiries that I did not initiate or approve. These inquiries were made without a permissible purpose as required under FCRA 604 [ 15 U.S.C. 1681b ]. 

The unauthorized inquiries include : XXXX 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 XXXXXXXX XX/XX/XXXX I have never applied for credit with any of these companies, and I have never authorized the release of my credit report to them. I requested copies of signed applications or any record of written consent to prove authorization. To date, none have been provided. 

Under FCRA 604, any access to a consumer report must be based on explicit authorization or a firm offer of credit. Reporting inquiries without documented consent or permissible purpose is a violation of federal law. Each unauthorized inquiry must be deleted immediately, and the bureaus must provide written proof of authorization if they intend to keep them. 

XXXX. Inaccurate Personal Information Both Experian and TransUnion continue to list incorrect personal identifiers that do not belong to me : Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, NV XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NV XXXX Incorrect XXXX : - XXXX Employer - XXXX

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