Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I am writing to dispute multiple inaccuracies on my credit reports dated XX/XX/XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The inaccuracies listed below violate the FCRAs requirement for accurate and complete reporting ( 15 U.S.C. 1681e ( b ) ) and the obligation to investigate and correct inaccurate information ( 15 U.S.C. 1681i ). I demand immediate investigation, correction, and removal of the erroneous items, as well as statutory damages of {$1000.00} per violation for willful noncompliance under 15 U.S.C. 1681n.

Disputed Items and FCRA Violations : 1. Inconsistent Name Reporting ( All Bureaus ) o Issue : Equifax reports my name as XXXX XXXX, which is incorrect. My legal name is XXXX XXXX XXXX, as correctly reported by TransUnion and partially by Experian. 
o FCRA Violation : Failure to maintain accurate personal information ( 15 U.S.C. 1681e ( b ) ). This inaccuracy risks misidentification and impacts my creditworthiness.

o Action Requested : Correct the name to XXXX XXXX XXXX on XXXX report. 
o Statutory Damages : {$1000.00} for willful noncompliance.

2. Inconsistent Address Reporting ( Experian ) o Issue : Experian lists previous addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) not reported by TransUnion or Equifax, and fails to report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX which appears on TransUnion. 
o FCRA Violation : Inaccurate and inconsistent address reporting violates 15 U.S.C. 1681e ( b ). Inconsistent addresses can lead to identity confusion. 
o Action Requested : Remove unverified addresses from Experians report and add XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, to ensure consistency across bureaus. 
o Statutory Damages : {$1000.00} for willful noncompliance.

3. Discrepancy in XXXX XXXX  Account ( Account # ending in XXXXXXXX XXXX XXXX ) * * o Issue : TransUnion reports a balance of {$1300.00}, while Experian and Equifax report {$1700.00}. 
Date opened varies : TransUnion ( XX/XX/XXXX ), Experian/Equifax XXXX XX/XX/XXXX ). 
High credit is {$2200.00} on TransUnion/Experian , but {$0.00} on Equifax. 
o FCRA Violation : Inconsistent account information violates 15 U.S.C. 1681e ( b ). These discrepancies can mislead lenders about my credit obligations.

o Action Requested : Investigate and correct the balance, date opened, and high credit to reflect accurate and consistent information across all bureaus.

o Statutory Damages : {$1000.00} per bureau ( TransUnion, Experian, Equifax ) for willful noncompliance, totaling {$3000.00}.

4. Discrepancy in XXXX XXXX  XXXX Account ( Account # ending in XXXXXXXX XXXX XXXX ) * * o Issue : Experian reports the account number as XXXXXXXX XXXX XXXX, which is incomplete compared to TransUnion and Equifax. 
High credit is {$430.00} on TransUnion/Experian , but {$0.00} on Equifax. 
o FCRA Violation : Incomplete and inconsistent account information violates 15 U.S.C. 1681e ( b ). This can affect credit scoring and lender decisions.

o Action Requested : Correct Experians account number to match TransUnion/Equifax and standardize high credit across all bureaus.

o Statutory Damages : {$1000.00} per bureau ( Experian, Equifax ) for willful noncompliance, totaling {$2000.00}.

5. Discrepancy in XXXX XXXX Account ( Account # ending in XXXXXXXX XXXX XXXX  ) * * o Issue : Equifax reports a balance of {$0.00} and monthly payment of {$0.00}, while TransUnion and Experian report a balance of {$280.00} and monthly payment of {$34.00}. 
High credit is {$280.00} on TransUnion/Experian , but {$0.00} on Equifax.

o FCRA Violation : Inconsistent reporting of balance and payment terms violates 15 U.S.C. 1681e ( b ).

o Action Requested : Correct Equifaxs balance, monthly payment, and high credit to match TransUnion/Experian.

o Statutory Damages : {$1000.00} for willful noncompliance by Equifax.

6. Discrepancy in XXXX Account ( Account # ending in XXXXXXXX XXXX XXXX  ) * * o Issue : Equifax reports a balance of {$0.00} and monthly payment of {$0.00}, while TransUnion and Experian report a balance of {$15000.00} and monthly payment of {$130.00}.

o FCRA Violation : Inconsistent account information violates 15 U.S.C.

1681e ( b ).

o Action Requested : Correct Equifaxs balance and monthly payment to match TransUnion/Experian .

o Statutory Damages : {$1000.00} for willful noncompliance by Equifax.

7. Unauthorized Inquiries o Issue : The following inquiries lack proof of permissible purpose : XXXX ( Equifax, XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX Experian, XX/XX/XXXX ) XXXX  ( Equifax, XX/XX/XXXX ) XXXX ( Equifax, XX/XX/XXXX ) XXXX ( Equifax, XX/XX/XXXX gre o FCRA Violation : Inquiries without permissible purpose violate 15 U.S.C.

1681b. I did not initiate these inquiries, nor do I have an existing relationship with these entities.

o Action Requested : Remove these inquiries and provide proof of permissible purpose for each.

o Statutory Damages : {$1000.00} per inquiry ( 5 inquiries ), totaling {$5000.00}.

Total Statutory Damages Demanded : {$11000.00} ( {$1000.00} per violation across 11 violations ).

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