Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
I am filing this complaint because Equifax Experian and TransUnion are reporting a large number of inaccurate inconsistent and unverifiable accounts under my name, including multiple Metroplit auto and installment loans, XXXX and XXXX charge accounts, XXXX, XXXX XXXX accounts, and several collection accounts from XXXX XXXX, XXXX XXXX, and an Unknown furnisher. These errors appear throughout all three bureaus and are documented across the pages of the uploaded files. Many of these accounts contain mathematically impossible late payment histories, conflicting dates, inconsistent balances, and improper delinquency aging that violates Metro 2 reporting rules and FCRA requirements. In addition to the incorrect account reporting, I am also the victim of an unauthorized inquiry by XXXX dated XXXX XXXX XXXX, which I did not authorize under FCRA 1681b. 

One of the most serious issues is the late payment reporting on the XXXX auto loans listed as XXXX XXXX XXXX and XXXX. According to the file data, each of these accounts is reported as closed paid and zero balance, yet Equifax is still reporting late payments in years after the accounts were closed and paid in full. For example, the XXXX XXXX file shows XXXX XXXX and XXXX day late markers across XXXX through XXXX even though the account was closed and paid with no past due balance. These errors are shown in the delinquency grids and aging tables displayed on pages XXXX through XXXX of the Equifax packet. Under Metro 2 rules, delinquency must stop at the moment an account is paid and satisfied, and a closed zero balance account can not continue to age delinquency. Reporting post closure delinquencies is mathematically impossible and violates FCRA 607b and 602a which require maximum possible accuracy. 

The XXXX XXXX account associated with number XXXX also contains ongoing delinquency reporting long after the charge off date. As shown on page 14 of the Equifax report, the account was charged off on XXXX XXXX XXXX, yet Equifax continues to display new XXXX XXXX and XXXX day late payment markers and even shows a 28 month delinquency aging after the account was charged off. A charged off account no longer has an active payment schedule and can not generate new monthly delinquency. This violates Metro 2 standards for reporting charged off accounts and violates FCRA accuracy requirements. 

The XXXX account XXXX shows a similar problem. According to the TransUnion and Experian comparisons shown on page XXXX, the account was charged off on XXXX XXXX XXXX, but Experian continues to show continuous CO codes throughout XXXX XXXX and XXXX. This is not allowed under Metro 2 and misrepresents the true performance of the account. Once an account is charged off, the payment history must freeze at the date of charge off. 

I also have multiple problems with the XXXX and XXXX accounts. For XXXX, the files show the account was closed, charged off, and transferred in XXXX, yet Experian continues to report a CO code in XXXX even after the transfer date. The same issue is reflected in the XXXX account XXXX where Experian reports payment activity in XXXX even though the account was sold months earlier. These inconsistencies appear in the payment history tables on pages XXXX through XXXX and violate Metro 2 delinquency rules which require freezing payment history once an account is transferred or charged off. 

My file also contains multiple collection accounts that are either unverifiable or potentially fraudulent. The XXXX XXXX account ending in XXXX is especially concerning. On page XXXX of the TransUnion packet, XXXX is reporting a collection account with no original creditor, no payment history, and no validating documents. XXXX never provided a validation notice as required by the FDCPA and my personal data has been exposed in data breaches which increases the possibility of identity misuse. Under FCRA 605B, any account tied to identity theft or unverifiable ownership must be blocked and removed. 

The XXXX XXXX account XXXX is also problematic. Across all three bureaus, the Date Opened, Last Reported, and Date Last Active fields differ entirely, and no original creditor information is provided. These inconsistencies appear on pages XXXX and XXXX and violate FCRA 609 and 611 verification requirements. 

The Unknown collection XXXX reported only by Equifax is one of the clearest violations. As shown on pages XXXX and XXXX, this account shows no original creditor, no contract, no source documentation, and not even a business name. Reporting a debt without identifying the creditor violates FCRA 602a, 607b, and the FDCPA 809a validation requirement. Because this information can not be verified and can not be traced to a legitimate creditor, it must be removed under FCRA 605B and 611. 

Finally, my report shows an unauthorized inquiry by XXXX dated XXXX XXXX XXXX which appears on page XXXX under the Equifax inquiry section. I did not authorize this inquiry and I have never given written permission for XXXX to access my credit report. Under FCRA 1681b, a consumer reporting agency must have permissible purpose to furnish a report, and unauthorized inquiries must be deleted immediately. Because my personal data was compromised in a breach, this inquiry also raises concerns of potential identity misuse. 

Because of all these inaccuracies and violations, my creditworthiness has been severely harmed and I have suffered emotional distress and financial hardship. The bureaus have failed to conduct proper reinvestigations and have ignored Metro 2 requirements which makes the data unreliable and legally unfit to remain on my file.

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