Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
I am filing this complaint because the credit reporting agencies Experian TransUnion and Equifax have willfully failed to comply with their obligations under the Fair Credit Reporting Act after multiple disputes and prior CFPB complaints. I am directly impacted by the Equifax data breach, which exposed my personal identifying information and places my credit file at heightened risk of contamination misattribution and unverifiable reporting. Despite this heightened risk and repeated notice, the bureaus continue to report inaccurate incomplete and misleading information without producing competent verification. 

After I disputed the items listed below, the bureaus claimed they conducted reinvestigations but relied solely on furnisher responses without providing original documentation method of verification or reconciliation of clear data inconsistencies across bureaus. This confirms the use of automated processes rather than a reasonable investigation. Their actions have caused ongoing harm to my creditworthiness and demonstrate willful noncompliance. 

The following negative items remain inaccurately reported. 

XXXX XXXX account ending XXXX is reported with a thirty day late payment from XXXX even though the account is closed paid with a XXXX balance and otherwise perfect payment history. No original billing statements payment due notices or proof of delinquency have been produced. Reporting a derogatory late on a closed paid account violates accuracy requirements and Metro2 logic standards. 

XXXX XXXX account ending XXXX is reported with thirty and sixty day late payments from XXXX on an account that was closed paid with a XXXX balance and canceled due to inactivity. These late payments are inconsistent with the account status and no contemporaneous billing records have been provided to substantiate them. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account ending XXXX is reported as charged off with a balance of XXXX XXXX XXXX dollars while reflecting conflicting delinquency histories and charge off coding across Experian and TransUnion. The bureaus report different thirty sixty and ninety day late counts, making the account unverifiable and misleading. No original loan agreement full payment history or charge off documentation has been produced. 

An unauthorized inquiry from XXXX appears on my report without my authorization and without proof of a permissible purpose as required by law. 

An incorrect personal identifier listed as XXXX XXXX XXXX appears on my credit file and does not reflect my correct legal name. This error compromises the integrity of my entire credit file, especially in light of the Equifax data breach. 

The bureaus have failed to correct or delete these items after notice, failed to ensure maximum possible accuracy, failed to provide a proper method of verification, and failed to account for contradictory reporting across bureaus. These failures violate 15 USC 1681e b 15 USC 1681i and related provisions, and now rise to the level of willful 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