Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CFPB COMPLAINT BUSINESS CREDIT REPORTING ERRORS ( NO PERSONAL INFORMATION INCLUDED ) Issue Summary : My business is experiencing widespread inaccuracies, mixed-file errors, unauthorized inquiries, and unverifiable data across multiple business credit bureaus and banking databases. These errors are harming lending eligibility and preventing the business from accessing fair credit opportunities. 

What Happened My business credit files across several commercial credit reporting agencies contain incorrect identifiers, wrong addresses, wrong owners, wrong industry codes, duplicate files, unauthorized inquiries, and unverifiable public-record data. These errors appear to be the result of data-scraping, mixed-file contamination, and unverified information being uploaded by third-party vendors. 

Despite submitting formal dispute packets to the following business credit agencies and data furnishers, the errors have not been corrected : XXXX XXXX XXXX Experian XXXXXX/XX/XXXXXXXX XX/XX/XXXX Various vendors and furnishers reporting trade data The business has received no adequate verification, and the disputed items remain on file. 

Errors in the Business Credit Reports 1. Incorrect or Unverified Business Identity Information The bureaus are reporting incorrect or outdated : Business names Addresses Industry codes Business start dates Duplicate business files Wrong owner identity information These errors create mixed-file conditions, where my business data is being combined with another entity. 

2. Unauthorized Business Credit Inquiries Multiple commercial credit inquiries were recorded without authorization and without any permissible purpose.

No bureau has provided : Signed authorization Subscriber information Internal access notes Verification of permissible purpose Since no documentation exists, these inquiries should be deleted.

3. Unverified Public Records / UCC Filings The business credit files contain UCC and public-record entries that the bureaus and data furnishers can not verify or match to the business. 
No agency has provided : Filing source Filing entity EIN match Certified filing copy Unverifiable public records must be deleted. 

4. Business Tradeline Errors Several vendors and business trade accounts are reporting : Wrong balances Incorrect dates Missing payment history Unsupported late payments Duplicate reporting No full Method of Verification ( MOV ) has been provided. 

5. Banking and XXXX XXXX XXXX Banking databasesXX/XX/XXXXXXXX ) report : Incorrect closures Fraud codes with no supporting documentation Transactions that do not belong to the business Mismatched EINs or owner identity These errors are materially harming the business. 

Consumer Harm / Business Harm Due to these errors : The business is being misclassified as high-risk. 

Access to business loans, lines of credit, vendor accounts, and underwriting approvals is being denied. 

XXXXXX/XX/XXXX and banks are rejecting applications based on inaccurate and unverified data. 

The business can not fairly participate in the credit market. 

This violates the requirement that business credit reporting agencies maintain accurate, complete, and verifiable data.

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