Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My credit reports with TransUnion, Experian, and Equifax are fundamentally inaccurate and contain numerous violations of the Fair Credit Reporting Act ( FCRA ). I have previously attempted to dispute these errors directly with the bureaus, but they have failed to conduct a reasonable investigation and correct them within the 30-day statutory period. Their negligence has resulted in a credit profile that does not reflect my true creditworthiness, causing me severe financial hardship and preventing me from securing stable housing and transportation.

The inaccuracies fall into several major categories : 1. Inconsistent and Inaccurate Personal Information : My identity is misrepresented across the three bureaus. My name is listed with an incorrect middle name on Equifax ( " XXXX XXXX XXXX '' ), an incorrect alias is listed on TransUnion ( " XXXX XXXX  '' ), and three different, conflicting " current '' addresses are listed across the reports. This demonstrates a failure to maintain maximum possible accuracy regarding my basic identity.

2. Major Omissions of Severe Derogatory Accounts : The bureaus are reporting wildly different versions of my credit history. For example, Experian reports a severely derogatory account from the XXXX XXXX XXXX XXXX XXXX with a balance of {$62000.00}. This highly impactful account is completely missing from my TransUnion and Equifax reports. Similarly, a XXXX  " Collection/Chargeoff '' account for {$1100.00} appears only on Experian. This proves the data is unverified and unreliable across the credit reporting system.

3. Directly Contradictory Account Statuses : For the same accounts and time periods, the bureaus report factually impossible information. My XXXX XXXX account is reported as " Current '' by Experian, but as " Late 30 Days '' by TransUnion and Equifax. My XXXX  account is reported by Equifax as " Paid '' with a " {$0.00} '' credit limit and zero history of late payments, while TransUnion and Experian correctly report it as " Open '' with a " {$300.00} '' limit and a history of 90-day late payments.

4. Duplicate and Fragmented Reporting of Collection Accounts : A single alleged collection debt from XXXX ( Acct : XXXX * ) is being reported multiple times on my TransUnion and Equifax reports with different creditor names and even a wildly inaccurate balance of " {$7500.00} '' on one entry. This is a misleading representation of the character and amount of a debt, in likely violation of the FDCPA, and it makes it appear as though I have multiple collection accounts when I do not. 
The bureaus ' failure to correct these blatant errors, despite being notified, constitutes a willful non-compliance with the FCRA and has had a tangible, negative impact on my life. 

My license doesnt have a correct address on it because I was homeless and my sister picked up all my mail, I provided my bank statement for proof of address

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