Consumer complaint received 2026-03-06 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: GA

Complaint narrative:
I am filing this complaint because multiple inaccurate, unverifiable, and damaging items continue to be reported on my credit file despite my previous disputes. The credit reporting agencies and furnishers have failed to conduct a proper reasonable investigation as required under the Fair Credit Reporting Act ( FCRA XXXX ). The information being reported on my credit file is inconsistent, unverifiable, and clearly not maintained with maximum possible accuracy as required under FCRA XXXX ( b ). I carefully reviewed my credit reports and discovered several negative tradelines, unauthorized inquiries, and incorrect personal identifying information that do not meet federal reporting accuracy standards. The following negative accounts are currently being reported with derogatory status including charge-offs, collections, and severe delinquency codes even though the accuracy of these accounts has not been properly validated : 1ST FRANKLIN account XXXX XXXX is being reported as a charged-off installment account with severe delinquencies including XXXX, XXXX, andXX/XX/XXXX day late payments. The reporting across the bureaus shows inconsistent account activity and delinquency history which raises serious concerns about the reliability of the data being furnished. AFFIRM INC accounts including identifiers XXXX, XXXX, XXXX, and XXXX are reporting severe derogatory payment history including charge-off status and delinquency coding. These accounts have not been properly validated and the reporting shows inconsistencies in payment history and account status. MISSION FINANCIAL SVCS account ending XXXX is reporting derogatory late payment history even though the account status and payment reporting history are inconsistent with the reported delinquency. CRDT FIRST account ending XXXX is being reported as a charged-off revolving account with a balance around {$640.00}. However the account shows inconsistent balances and activity dates across different reporting agencies. FST PREMIER accounts ending XXXX and XXXX are both reported as charged-off revolving credit card accounts with balances over {$900.00} and {$1200.00}. The delinquency reporting, account activity dates, and status codes vary across bureaus which clearly indicates the information is unreliable. KIKOFF account ending XXXX is reported as a charged-off revolving account but the reporting across bureaus shows conflicting balances and payment status codes including both paid and unpaid charge-off reporting. SELFINC/LEAD account ending XXXX is reporting charge-off status and delinquency history while showing conflicting balances and account status across bureaus. CREDIT CNTRL collection account ending XXXX is currently reporting as a collection account with a balance of approximately {$660.00}. However this account has already been deleted by other credit reporting agencies, which demonstrates that the information could not be verified. In addition to the inaccurate accounts, my credit report also contains numerous unauthorized credit inquiries that I did not authorize and that have no permissible purpose under FCRA XXXX. These inquiries include : ALLY FINANCIAL ALLYFINANC AMERICNCR ALTACCRUI AUTOWORLD CBNA CELTICCONFIN CPSMAIL CREDIT ACCEPTANCE CRESCOCAPITAL ( multiple inquiries ) DISCOVERC EXETER FINANCE LLC GLOBAL LENDING SERVICE GLOBALLEND GMFINANCIAL NA unidentified inquiry ONEMAIN ( multiple inquiries ) REVMRVBANKSVT TBOMCONTFIN ( multiple inquiries ) These inquiries were placed on my credit report without my consent and without a valid permissible purpose. My credit file also contains inaccurate personal identifying information that does not belong to me. This includes incorrect employment information and incorrect addresses which create serious identity accuracy issues : SELF EMPLOYED employment record XXXX XXXX employment recordXX/XX/XXXX XX/XX/XXXXemployment record XXXX XXXX XXXX previous address XXXX XXXX XXXX XXXX XXXX previous address XXXX XXXX incorrect name variation Another serious concern is that my personal information was exposed during the Equifax data breach and the National Public Data breach. Because my sensitive information was compromised in those incidents, the credit reporting agencies and furnishers must ensure heightened verification standards before continuing to report derogatory information associated with my identity. Despite my disputes, the credit reporting agencies continue to report these accounts, inquiries, and personal records without providing proper documentation verifying the accuracy of the information. The continued reporting of unverifiable information has caused significant damage to my credit profile and raises serious concerns about compliance with federal consumer protection laws.

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