Consumer complaint received 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XXXX SSN : Last 4 digits of SSN : XXXX Date : XXXX XXXX XXXX Credit bureaus or furnishers involved : TransUnion, Experian Complaint Summary I am writing to formally file a complaint regarding the inaccurate and unverified information present on my credit report. Despite my previous attempts to dispute these errors directly with the credit bureaus and furnishers, the inaccuracies persist, causing significant harm to my financial standing. 
Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2, credit reporting agencies and furnishers are required to ensure the accuracy of the information they report and to conduct thorough reinvestigations upon receiving a dispute. However, my disputes have not been adequately addressed, resulting in continued reporting of incorrect data.

The presence of incorrect credit data has adversely affected my credit score and financial opportunities. The failure of the involved parties to correct these inaccuracies has led to unjustified denials of credit and increased interest rates, which have caused considerable financial and emotional distress. 
Disputed Accounts XXXX XXXX Account # : XXXX ( TransUnion ) Issue : Duplicate derogatories and unresolved disputes Violation ( s ) : FCRA 1681s-2 ( b ), 1681i ( a ) XXXX XXXX XXXX  Account # : XXXX ( Experian ) Issue : Duplicate derogatories and unresolved disputes Violation ( XXXX ) : FCRA 1681s-2 ( b ), 1681i ( a ) XXXX XXXX XXXX XXXX Account # : XXXX ( Experian ) Issue : Unverifiable debt and outdated charge-off Violation ( s ) : FCRA 1681s-2 ( a ), 1681i ( a ) XXXX XXXX XXXXXXXX Account # : XXXX ( TransUnion ) Issue : Unresolved charge-off and inaccurate reporting Violation ( s ) : FCRA 1681s-2 ( a ), 1681i ( a ) XXXX  XXXX  XXXX Account # : XXXX ( Experian ) Issue : Unresolved charge-off and inaccurate reporting Violation ( s ) : FCRA 1681s-2 ( a ), 1681i ( a ) XXXX XXXX XXXX Account # : XXXX ( Experian ) Issue : Unverifiable debt and unresolved disputes Violation ( s ) : FCRA 1681s-2 ( b ), 1681i ( a ) Hard Inquiry Disputes XXXX XXXX  Date of inquiry : XXXX Bureau ( s ) reporting it : TransUnion Issue : Unauthorized inquiry Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : Experian Issue : Unauthorized inquiry Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX XXXX XXXX  Date of inquiry : XXXX Bureau ( XXXX ) reporting it : Experian Issue : Unauthorized inquiry Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : TransUnion Issue : Duplicate inquiry Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX XXXX  Date of inquiry : XXXX Bureau ( s ) reporting it : Experian Issue : Duplicate inquiry Legal Reference : FCRA 604 - Permissible purposes of consumer reports Personal Info Discrepancies Incorrect names : XXXX XXXX XXXX ; XXXX A XXXX Correct name : XXXX XXXX XXXX Incorrect addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect DOBs : XXXX XXXX XXXX XXXX DOB : XXXX Legal Reference : FCRA 1681e ( b ) for inaccurate personal info reporting Legal Basis FCRA 1681i, 1681s-2, 1681e ( b ) Metro 2 guidelines - Industry standard for data formatting Consumer Harm The inaccurate and unverifiable information on my credit report has caused significant harm , including loan denials, increased interest rates, and negative impacts on my ability to secure housing and employment. These errors have led to considerable financial stress and emotional distress.

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