Consumer complaint received 2026-05-29 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: TX

Complaint narrative:
I am filing this complaint because Equifax , Experian, and TransUnion are reporting inaccurate, inconsistent, incomplete, and unverifiable information on my consumer credit reports. I submitted formal disputes identifying specific inaccuracies and requested reasonable reinvestigations pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), 1681i, 1681i ( a ) ( 5 ), and related provisions requiring consumer reporting agencies to maintain maximum possible accuracy and to correct or delete information that can not be verified. The credit bureaus are reporting conflicting information regarding my personal identifiers, account histories, collection accounts, and inquiries. These inconsistencies raise serious concerns about the accuracy and reliability of the information being furnished and reported. First, the bureaus continue to report inaccurate personal identifying information. Variations of my name, including " XXXX XXXX '' and " XXXX XXXX XXXX, '' as well as inaccurate addresses and employer information, appear on my reports. My correct legal name is XXXX XXXX XXXX, and my correct current address is XXXX XXXX XXXX, XXXX, Texas XXXX. The reporting of inaccurate identifiers creates a risk of mixed files, inaccurate account association, and improper credit reporting. Second, I dispute the reporting of the XXXX XXXX account ending in XXXX. This account is being reported as closed, with a {$0.00} balance, {$0.00} past due amount, and a current payment status. However, the same tradeline simultaneously contains derogatory payment history reflecting alleged 30-day, 60-day, and 90-day late payments. Additionally, each bureau reports materially different account information regarding this same account. The reported Date Opened, High Credit Amount, Credit Limit, Last Reported Date, Date Last Active, Date of Last Payment, and account comments differ among the credit bureaus. These inconsistencies indicate that the information is not being reported with maximum possible accuracy. Because the account is closed and otherwise reported as current with no balance owed, I requested that the bureaus verify the exact payment history, dates of alleged delinquencies, billing cycles, payment records, and documentary basis supporting each negative payment notation. To date, I have not been provided with sufficient evidence demonstrating that these derogatory payment remarks are accurate, complete, and fully verifiable. Third, I dispute the reporting of the XXXX account ( Account XXXX. XXXX ). This account is reported as a closed auto loan with a balance of approximately {$24000.00} and significant derogatory information. However, the reporting is materially inconsistent among the credit bureaus. For example, Equifax reports the account as " Late 120 Days '' with a payment history showing 58 instances of 90-day delinquency. TransUnion reports the same account as a repossession but reflects a completely different payment history profile. The reported dates of activity, dates of payment, account status, and other key reporting fields vary significantly from bureau to bureau. These discrepancies can not all be accurate simultaneously. The conflicting information raises substantial concerns regarding the accuracy of the account 's reporting history, date of first delinquency, payment history, repossession classification, balance calculation, and other critical reporting elements. Despite my disputes, the account continues to be reported without adequate verification being provided. Fourth, I dispute the collection account reported as XXXXXXXX XXXX XXXX XXXX ( Account No. XXXX ). This collection account is being reported with inconsistent and incomplete information. Equifax reports the account as an open collection with a balance of {$260.00} and includes derogatory payment history. TransUnion reports the same account differently and omits key information necessary to verify the account 's accuracy. I have requested verification of the original creditor, ownership and assignment records, date of first delinquency, balance calculation, collection authority, and the documentary evidence supporting the reporting of this account. To date, I have not received sufficient documentation demonstrating that this collection account is accurate, complete, and legally reportable. The account continues to be reported despite significant concerns regarding its accuracy and completeness. Finally, I dispute several inquiries that appear on my credit reports and that I do not recognize as authorized credit applications. The inquiries at issue include : XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX inquiry dated XX/XX/XXXX I requested verification of the permissible purpose, authorization, application records, and supporting documentation for each inquiry. Under the FCRA, inquiries may only be reported when there is a permissible purpose. I have not been provided sufficient evidence demonstrating that these inquiries were authorized or legally permissible. Despite my detailed disputes, the credit reporting agencies continue reporting these items without providing meaningful evidence demonstrating that the information is accurate, complete, and verifiable. Instead, the disputed information remains on my credit reports, causing ongoing harm and raising serious concerns regarding compliance with the FCRA 's maximum possible accuracy requirements.

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 non-monetary relief