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: TX

Complaint narrative:
b'My name is XXXX XXXX XXXX and I am submitting this complaint because multiple furnishers and credit bureaus are reporting false and unverifiable information on my consumer reports in violation of the Fair Credit Reporting Act FCRA the Fair Debt Collection Practices Act FDCPA and Metro 2 reporting standards\n\nI have exhausted all normal dispute procedures and each credit bureau continues to allow the same inaccurate data to reappear after I have provided written disputes and demands for reinvestigation and verification This has caused continuous financial harm credit denials and emotional distress because these false accounts are being treated as legitimate even though no creditor has produced any lawful proof of debt ownership or my signature\n\nThe following are the disputed items that remain on my reports as of my latest Equifax Experian and TransUnion XXXX XXXX XXXXnThis auto loan is being reported completely inconsistently among the three bureaus Experian and TransUnion are showing the account as open with a XXXX day late payment while Equifax lists it as closed and simultaneously reports XXXX XXXX XXXX XXXX  day delinquencies These contradictions are impossible since the vehicle was redeemed and settled long ago These false payment patterns violate FCRA Section 623a1A and Metro 2 Format sections 113 and 122 which require uniform and accurate data fields I have demanded the original signed contract under Section 609 but no proof has ever been supplied\n\nXXXX XXXX XXXXThis account contains conflicting information across bureaus including different payment histories and date of last activity The reported data is unverifiable and inconsistent which violates the FCRA Section 611a5A regarding deletion of unverifiable information The credit bureaus have failed to confirm the lawful verification source as required under Section 609\n\nXXXX XXXX XXXX XXXX XXXX  is reporting an alleged balance of 636 with contradictory statuses Experian shows closedchargeoff while TransUnion shows opencollection No validation letter no chain of title and no proof of ownership has been provided This violates both FCRA Section 623a1A and FDCPA Section 809b which require written proof of the debt upon dispute\n\nXXXX XXXX XXXXThis collection is listed as a chargedoff zero balance account which cannot legally exist as an active collection The furnisher has never produced documentation of ownership or assignment Reporting a zero balance account as an active collection is a false representation and an accuracy violation under FCRA Section 623 and Metro 2 Format reporting integrity rules\n\nXXXX XXXX XXXX XXXXCredence Resource Management is reporting a 206 collection that has never been validated I have never received a contract statement of ownership or signed authorization proving their right to collect or furnish information This is a willful violation of FCRA Section 623a1A and the item must be deleted under Section 611a5A because it remains unverified\n\nXXXX XXXX XXXX XXXX XXXX XXXXTwo separate entries are being reported under similar names Credit Coll with different account numbers and balances These duplicate or conflicting entries are in direct violation of Metro 2 requirements for unique account identification fields and violate FCRA Section 623 because no documentation exists confirming either is legitimate I have demanded verification from the data furnisher and received none\n\nXXXX XXXX XXXXThis medical collection is listed as closed on Experian and Equifax but open on TransUnion Reporting contradictory statuses on the same account demonstrates the lack of uniform coding required under Metro 2 Format 113 The furnisher has not shown proof of ownership or HIPAA authorization to report medical data This is unverified and must be deleted\n\nXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX balance as open on Equifax and closed on Experian which is impossible An account cannot be coded as both open and collection/charged off at the same time This violates FCRA Section 623a1A The company has also failed to provide validation or proof of ownership despite my repeated written demands\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting two different accounts that are inconsistent across all bureaus One lists as open and another as charged off Both are reported with duplicate payment histories and missing verification data Under FCRA Section 611a and Metro 2 Format Section 122 such contradictory reporting constitutes willful inaccuracy No signed agreement or chain of title has ever been produced These accounts are unverifiable and fraudulent\n\nXXXX XXXX XXXXnThis company is reporting a 92 balance and is coded as closed by two bureaus but open by one The inconsistencies across the three reports violate the Metro 2 uniform data rule and FCRA Section 623 The company has not proven any legal right to collect or report this debt The account remains unverified and inaccurate\n\nINQUIRIES WITHOUT PERMISSIBLE PURPOSEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not authorize these companies to access my consumer report Under FCRA Section 604 15 USC 1681b any entity requesting a consumer report must have a permissible purpose such as a firm offer of credit employment insurance or court order No such purpose or signed authorization exists Therefore these inquiries are unauthorized and must be deleted immediately They are negatively affecting my credit scores and violating my privacy rights\n\nEach of the above listed accounts and inquiries represents either unverified ownership false reporting contradictory coding or lack of permissible purpose These issues collectively demonstrate systemic noncompliance by both the furnishers and the credit bureaus Despite written disputes and followup letters the credit bureaus have failed to conduct lawful reinvestigations under FCRA Section 611 and have instead relied on automated eOSCAR responses without verifying source documentation'

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