Consumer complaint received 2025-11-10 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: IN

Complaint narrative:
I, XXXX XXXX, am filing this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting standards by the credit reporting agencies Equifax, Experian, and TransUnion. 
Despite submitting multiple dispute letters on XX/XX/XXXX, these agencies continue to report inaccurate, unverifiable, and inconsistent information that damages my creditworthiness and violates federal reporting laws.

1. Violations of Personal Information Accuracy ( 1681e ( b ) ) All three credit bureaus are reporting inconsistent and inaccurate personal identifiers. They continue to list names such as XXXX XXXX XXXX and XXXX XXXX XXXX, which are incorrect and not associated with me. Additionally, multiple former addresses including XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX XXXX remain on my file, even though they are not deliverable to me by the U.S. Postal Service and were not authorized for reporting. 

Employers listed as XXXX XXXX and XXXX are also inaccurate and unverified. These errors violate FCRA 1681e ( b ), which requires that all credit reporting agencies maintain maximum possible accuracy. 

I have provided my correct and verified identifiers as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX SSN : XXXX XXXX : XX/XX/XXXX Despite this, the bureaus have failed to correct these inaccuracies after being notified.

2. Unverified and Inaccurate Account Reporting ( 1681i ( a ) & 1681s-2 ( b ) ) Several accounts are still being reported without any verifiable proof of debt or original consumer contract, which violates FCRA 609 ( a ) ( 1 ) ( A ) and 1681i ( a ). These include accounts from XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

Each of these accounts contains contradictory data across the three bureaus such as mismatched balances, inconsistent dates opened or reported, and incorrect account statuses. For example, one account reports as Current in Equifax but Derogatory in Experian. Others list a {$0.00} balance while still being reported as Charged Off. 

I have requested verifiable proof of each debt, including copies of the original signed consumer contracts authorizing such accounts. None have been provided. According to FCRA 1681i ( 5 ), unverifiable accounts must be deleted immediately.

3. Improper Public Record Reporting ( Bankruptcy Claim ) All three bureaus are reporting a federal bankruptcy case number 1901841-DSP-06/19 under my name. I have never filed for bankruptcy in any court jurisdiction. This report is completely inaccurate and unsupported by any verifiable record.

I requested certified documentation proving this alleged bankruptcys existence, but no agency has provided it. Reporting a false public record constitutes a serious violation of FCRA 607 ( b ) and 611 ( a ), as well as the obligation to maintain accurate and verifiable data. 

XXXX. XXXX XXXX Compliance and Data Field Discrepancies The credit bureaus reporting further violates the XXXX XXXX Data Formatting Standard, which governs how information must be recorded and maintained. Across all accounts, I identified inconsistencies in core data fields such as Date Opened, Date Last Reported, and Account Status.

Many entries contain missing or mismatched Compliance Condition Codes and improper use of the notation Consumer disputes after resolution. Under the CDIAs Credit Reporting Resource Guide ( CRRG 6.2.3 ), it is a violation to continue derogatory reporting after a reinvestigation has been completed. These actions clearly demonstrate noncompliance with XXXX XXXX and FCRA 607 ( b ).

5. Harm and Requested Relief These continued reporting errors have caused significant harm, including : Reduction in my credit scores across all bureaus, Denial of credit and financial opportunities, Inability to obtain housing, and Emotional distress due to the repeated violations of my consumer rights. 

I am requesting that the CFPB compel Equifax, Experian, and TransUnion to : Delete all unverified, inaccurate, or inconsistent accounts from my credit file, Correct my personal identifying information to reflect only verified and accurate data, and Provide confirmation that accurate credit reports have been reissued to me within XXXX  days. 

XXXX. Supporting Documentation Attached to this complaint are copies of : My original dispute letters dated XX/XX/XXXX, Equifax, Experian, and TransUnion reports showing all disputed entries, Proof of identity, address, and relevant correspondence. 

Each of these documents demonstrates my good-faith effort to correct my credit file, which the bureaus have ignored. 

Summary Request I respectfully request that the Consumer Financial Protection Bureau investigate these violations by Equifax, Experian, and TransUnion under FCRA 1681i, 1681e ( b ), 607 ( b ), and 609 ( a ) ( 1 ) ( A ), and compel immediate corrective action.

The bureaus continued failure to verify and accurately report information is in clear violation of federal law and the XXXX XXXX compliance framework.

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