Consumer complaint received 2025-05-23 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: MO

Complaint narrative:
I am submitting this complaint to report persistent, unresolved inaccuracies and serious legal violations by the major credit reporting agenciesEquifax, Experian, and TransUnionrelated to my consumer credit file. Despite filing prior disputes and submitting documentation, the bureaus have continued to report incorrect personal identifiers, unverifiable accounts, and unauthorized inquiries in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related regulations.

Background and Harm : I have suffered tangible harm from these ongoing reporting issues, including credit denials, high interest rates, and emotional distress due to the stress of being misrepresented in financial systems. I have had to explain false information during credit applications, been denied opportunities, and am now spending time and resources repeatedly correcting errors that should never have been published or maintained.

Inaccurate Address Reporting Identity Confusion and File Mixing : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Yet my report continues to reflect a series of addresses that are neither current nor previously associated with me in any legal or residential capacity. These are : XXXX XXXX XXXX XXXXXXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX The inclusion of these addresses is indicative of mixed files or identity confusion, potentially exposing me to fraud risk and inaccurate association with debt or inquiries unrelated to my identity. 
Unverified, Potentially Forgiven, or Inaccurately Maintained Accounts : The FCRA, under 15 U.S.C. 1681i, mandates that any item disputed by a consumer must be reinvestigated and either verified or removed. Several tradelines on my report have not been properly verified or should not be reported in their current status : XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$8400.00} charge-off reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$8400.00} charge-off opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$11000.00} charge-off opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} late payment opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$97.00} collection opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$11000.00} charge-off opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duplicate {$11000.00} charge-off Some of these may be subject to discharge or forgiveness under IRS Form 1099-C. If so, continued reporting of these as collectible obligations misrepresents my financial liability and violates the FCRA 's accuracy mandate. The duplication of the XXXX XXXX XXXX XXXXXXXX accounts also falsely inflates my debt load and skews my credit utilization. 
Unauthorized Inquiries FCRA 1681b Violations : My credit report also lists several hard inquiries that I did not authorize, did not initiate via application, or were done redundantly for a single event. FCRA 1681b strictly limits when consumer reports may be accessed, requiring a permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized multiple hard pulls, especially not from so many sources in such a short timeframe. These hard inquiries have reduced my credit score and should be investigated for compliance with authorization rules.

Resolution Requested : I request immediate regulatory investigation into how Equifax, Experian, and TransUnion have handled my disputes. I am asking for : Deletion of all incorrect addresses Removal of any unverifiable, duplicated, or discharged account listings Deletion of all unauthorized or redundant credit inquiries Enforcement of FCRA 1681n and 1681o to ensure accountability and civil remedies Please compel these agencies to follow the law and restore the integrity of my credit file. I am prepared to submit documentation previously sent to each bureau and escalate this complaint further if necessary.

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