Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint to report willful violations of the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), and Metro2 data reporting standards by Equifax, Experian, and TransUnion. Despite multiple disputes, these credit bureaus continue to publish unverifiable, inaccurate, and misleading data that has caused me financial and emotional harm.

My Personally Identifiable Data ( PID ) was compromised in both the Equifax Data Breach ( XXXX  Data Breach Impacted : YES ) and the XXXX XXXX XXXX XXXX ( XXXX  Breach Impacted : YES ), exposing my name, date of birth, and Social Security number. Despite this, the credit bureaus have failed to apply enhanced verification safeguards and continue to report accounts and identifiers that can not be verified to me through any original signed documentation, billing ledger, or lawful ownership proof. Reporting unverifiable data connected to breached PID is reckless and unlawful under FCRA 602A, 604 ( a ) ( 2 ), and 1681n, as it places me at risk of identity theft and violates the duty of maximum possible accuracy.

The primary violations involve the continued reporting of two unverifiable accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax has already deleted this tradeline, confirming it is unverifiable and inaccurate.

Experian and TransUnion continue to report this same account with conflicting and unlawful data, including inconsistent balances, credit limits, and payment statuses.

For example, TransUnion lists a {$900.00} credit limit while Experian reports different high-balance and payment fields.

The Date Opened, Date of Last Payment, and Date Last Active all differ between bureaus a clear Metro2 Exhibit 4 and 11 violation and breach of FCRA 1681e ( b ) ( accuracy ) and 1681i ( a ) ( reinvestigation ).

No bureau has provided a Method of Verification ( MOV ) or evidence of lawful ownership, as required by 609 ( a ) ( 1 ) and 611 ( a ).

Continuing to report this unverifiable tradeline following my data breaches constitutes willful misconduct under 1681n. 

XXXX  XXXX TransUnion continues to report this collection account despite no valid proof of ownership, signed agreement, or billing ledger. 

The reported details including Balance {$150.00}, High Balance {$150.00}, Date Opened XX/XX/XXXX, and Payment Status : Charge-off are inconsistent, incomplete, and materially misleading.

These errors violate FCRA 1681e ( b ), which mandates maximum possible accuracy, and 1681s-2 ( b ), which requires furnishers to conduct a complete and documented investigation.

The absence of valid Compliance Condition Codes ( CCCs ) and incorrect ECOA responsibility codes violates the Metro2 2020 CDIA reporting manual, making this tradeline noncompliant and unverifiable.

Continuing to publish this account while ignoring prior disputes demonstrates willful and negligent noncompliance under 1681n and 1681o.

Beyond these accounts, all three bureaus continue to publish incorrect personal identifiers despite my prior disputes : Incorrect Name : XXXX XXXX XXXX Incorrect Date of Birth : XX/XX/XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These identifiers do not match verified USPS or government records and are contaminated by the Equifax and XXXX XXXX XXXX XXXX. Continuing to display them violates FCRA 604 ( a ) ( 2 ) and Metro2 fields BS-30 through BS-44, which require verified and consistent consumer identification data.

Despite repeated requests, none of the bureaus have provided the Method of Verification mandated by FCRA 1681i ( a ) ( 7 ). Their generic meets FCRA responses prove that no reasonable reinvestigation occurred, violating 611 ( a ).

These actions have caused significant stress, reputational damage, and financial harm. The bureaus refusal to delete unverifiable data or correct personal identifiers following confirmed data breaches shows a pattern of willful disregard for compliance and consumer safety.

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