Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal CFPB complaint against Experian, Equifax, and TransUnion for repeated and willful noncompliance with the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and XXXX XXXX compliance standards. Despite multiple verified federal filings and documented proof of inaccuracy, the credit reporting agencies have continued to report false, unverifiable, and derogatorily coded identifiers and inquiries linked to my file. 

My previous disputes were filed with each bureau on XX/XX/XXXX, and have been acknowledged but not rectified. The continued reporting of inaccurate personal data and unauthorized inquiries constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o.

2. Nature of Dispute and Specific Violations A. Incorrect Personal Identifiers ( Names ) Each bureau continues to inaccurately report and derogatorily code personal identifiers as negative items. Variations such as : XXXX XXXX XXXX XXXX XXXX XXXX PG XXXX These entries are not tradelines or credit accounts but personal identifiers. Their negative coding violates : FCRA 1681e ( b ) : Duty of maximum possible accuracy FCRA 1681i ( a ) : Reinvestigation obligations FACTA 609 ( e ) : Protection for victims of identity theft XXXX XXXX Reporting Standards : Fields 17A and 71 prohibit derogatory status on identifiers No bureau has provided a Method of Verification to substantiate these identifiers as accurate. This failure, despite prior notice and CFPB oversight, constitutes willful noncompliance under 1681n and a reckless disregard for consumer identity accuracy. 

B. Incorrect and Unverified Addresses The following addresses remain listed across multiple bureaus despite XXXX verified deletion and active CFPB investigation : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX These addresses have been confirmed as unverifiable and not associated with me. Experian and TransUnions refusal to reconcile or remove these addresses after Equifaxs correction violates : FCRA 1681i ( a ) ( 1 ) : Failure to reinvestigate FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FACTA 609 ( e ) : Data integrity protection for breach victims XXXX XXXX : Inter-bureau synchronization and non-derogatory coding for personal identifiers This inconsistency also breaches the CFPBs requirement for cross-bureau accuracy following peer deletions. 

C. Unauthorized and Negatively Coded Inquiries The following unauthorized inquiries remain coded as negative, lacking permissible purpose documentation or consumer authorization : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Each of these inquiries violates : FCRA 1681b : No permissible purpose shown FCRA 1681i : No valid Method of Verification provided FCRA 1681e ( b ) : Inaccurate and unverifiable data XXXX XXXX : Improper derogatory status on inquiry data fields ( 17A, 71 ) Despite CFPB Case Numbers being open and verified, these entries remain in my credit file. None of the bureaus have provided signed authorizations or documented consumer consent, as mandated by federal law. 

3. Evidence of Systemic Noncompliance Equifaxs verified deletions of the disputed addresses demonstrate that the same data is unverifiable across all bureaus. Yet, Experian and TransUnion continue to publish it, proving a breakdown in compliance with the inter-bureau accuracy mandate under 1681e ( b ). 

Additionally, the persistence of derogatory coding on non-tradeline data elements ( names, addresses, inquiries ) shows a systemic violation of XXXX XXXX data specifications, resulting in reputational and financial harm. 

As a National Public Data Breach victim, the inclusion of unverifiable and outdated data increases my exposure to identity theft and misrepresentation, in violation of FACTA 609 ( e ).

4. Requested Corrective Actions I respectfully demand that the CFPB compel the credit reporting agencies to : Immediately delete all inaccurate and unverifiable identifiers, including : XXXX XXXX XXXX, XXXX XXXX XXXX, and PG XXXX Permanently remove unverifiable addresses : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX Delete all unauthorized and negatively coded inquiries, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ) Issue written confirmation of all deletions and updates across Equifax, Experian, and TransUnion systems, including archival, header, and reseller databases.

Provide verified proof of compliance with FCRA 1681e ( b ), 1681i ( a ), and XXXX XXXX data integrity rules. 

5. Legal Citations Supporting Complaint 15 U.S.C. 1681e ( b ) : Duty to assure maximum accuracy 15 U.S.C. 1681i ( a ) : Reinvestigation of disputed information 15 U.S.C. 1681b : Permissible purposes for consumer reports 15 U.S.C. 1681n & 1681o : Civil liability for willful and negligent noncompliance FACTA 609 ( e ) : Identity theft and data integrity obligations XXXX XXXX Standards : Prohibit derogatory coding on personal identifiers or inquiries 15 U.S.C. 1681c-2 ( c ) : Block identity theft-related information within four business days 6. Damages and Consumer Harm Due to these repeated violations, I have suffered : Defamation of character and reputational damage Decreased creditworthiness Emotional distress and time loss from repeated disputes Increased risk of identity theft following national data breaches Each bureaus continued reporting after verified deletion and CFPB oversight represents willful disregard of federal consumer protection law, entitling me to statutory damages under 15 U.S.C. 1681n and 1681o.

7. Conclusion I respectfully request that the CFPB intervene to enforce full compliance with federal law, compel permanent deletion of all inaccurate entries, and issue written confirmation of corrections from each bureau. 

These issues have persisted despite multiple formal disputes and ongoing federal case filings. I seek immediate resolution, accountability, and restitution for damages caused by the bureaus negligence and noncompliance.

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