Consumer complaint received 2025-10-15 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 Inaccurate and Unverified Credit Reporting Across All Bureaus To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate, Inconsistent, and Unverified Information on Credit Reports from Equifax, Experian, and TransUnion Dear CFPB, I am submitting this complaint because my credit reports from Equifax, Experian, and TransUnion continue to contain inaccurate, inconsistent, and unverified information, despite multiple disputes filed directly with each bureau. 
Most items were returned as verified as accurate even though no supporting documentation or verification source was ever provided, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

These ongoing inaccuracies are causing significant harm to my credit profile, and I request CFPB assistance in compelling the bureaus to correct or delete all unverifiable or incomplete entries. 

XXXX. XXXX Reporting XX/XX/XXXX XXXX - XXXX filed a legitimate XXXX XXXX XXXX in XX/XX/XXXX. 
TransUnion reports it as dismissed, Equifax lists certain accounts as included in XXXX  without the case itself, and Experian omits the filing completely. 
- These inconsistencies misrepresent my legal record. 
- When disputed, TransUnion marked it verified, but no court record or furnisher information was provided. 
- The XXXX should appear once, accurately, and uniformly across all three reports as Filed XX/XX/XXXX XXXX XXXX XXXX 

XXXX. Prior XXXX XXXX  Personal Loans The following personal loan accounts are being reported negatively, even though they were included in my XXXX XXXX  or have been reported without proper validation : - XXXX XXXX acct XXXX XXXX XXXXXXXX - XXXX  acct # XXXX - XXXX acct # XXXX - XXXX XXXX XXXX acct # XXXX These accounts should either reflect their inclusion in the XXXX XXXX or be removed as unlawful or unverified negative reporting. 
No bureau or furnisher has provided documentation proving that these debts are valid or collectible after discharge. 

XXXX. Collection Accounts Unverified and Not Owed - Experian lists a {$1200.00} collection, while Equifax lists a {$240.00} collection, and - TransUnion lists none. 
- The amounts, furnishers, and dates differ. 
- I have never received proof of ownership, assignment, or liability for these debts. 
- Because the bureaus failed to provide validation, these collections are unverified and must be deleted in accordance with the FCRAs accuracy standards. 

XXXX. XXXX XXXX Bank XXXX XXXX Equifax reports XXXX XXXX XXXX Bank XXXX credit card as charged off {$1900.00}. 
This account was included in my XX/XX/XXXX bankruptcy, yet it remains listed as a charge-off and does not appear on my other reports. 
Equifax did not provide any verification of this debt or its current status. 
This entry should be updated to show inclusion in bankruptcy or removed entirely as unverifiable. 

XXXX. XXXX XXXX Auto Finance Accounts - These appear as included in XXXX  ( Equifax ), XXXX XXXX XXXX XXXX TransUnion ), and not at all on Experian. 
- All refer to the same vehicle loan that was part of my XX/XX/XXXX XXXX and should be reflected accurately and uniformly. 
XXXX. XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card as 30 days XXXX, though Experian shows the account as current and in good standing. 
- I have records showing payments were made on time. 
- Under the FCRA ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies must ensure maximum possible accuracy ; unverifiable or incomplete late-payment reporting must be corrected or deleted. 
- Since the creditor has not substantiated any delinquency, I request removal of this inaccurate late-payment notation. 

XXXX. XXXX XXXX Credit Card XXXX XXXX XXXX TransUnion reports a XXXX delinquency ; Experian lists XXXX as current. 
- I have documentation confirming on-time payments. 
- No creditor documentation was provided to substantiate the late payment, making the report unverifiable. 

XXXX. Personal Information Discrepancies- My reports show conflicting addresses and employers, such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX vs. XXXX XXXX. 
- These inaccuracies XXXX have caused data from other consumers to be mixed into my file. 
- Despite disputes, none of the bureaus provided the source of this personal data. 

XXXX. Failure to Provide XXXX or XXXX XXXX - None of the credit bureaus have provided documentation identifying the furnishers or entities that verified these disputed items. 
- The FCRA requires a reasonable reinvestigation and disclosure of the furnishers identity when information is verified. 
- Because these verifications were performed without disclosure or evidence, the items should be deleted as unverified. 

Summary I have acted in good faith to resolve these issues directly with each credit bureau, yet they continue to report inaccurate and unverified data. 
I request the CFPBs assistance in ensuring that all three bureaus comply with federal law by deleting or correcting these items and maintaining only verified, accurate, and complete information in my credit files. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX -

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