Consumer complaint received 2025-05-31 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: VA

Complaint narrative:
Upon reviewing my credit reports from Experian, TransUnion, and Equifax, I identified numerous materially inaccurate, unauthorized, and unverifiable entries. These include accounts I never authorized or opened, incorrect payment histories, misreported balances, duplicate accounts, outdated derogatory items, unauthorized inquiries, and multiple personal information errors across all three credit bureaus. 

These errors have caused me substantial financial, emotional, and reputational harm. Specifically, I have suffered : Multiple credit card, mortgage, and personal loan denials. 
Elevated interest rates on credit offers. 
Rejection from rental housing applications. 
Adverse employment screening outcomes. 
Emotional distress and financial instability. 
Reputational damage due to inaccurate financial representation. 
Higher insurance premiums due to inaccurately lowered credit scores. 

In good faith, I have attempted to resolve these inaccuracies by submitting multiple written disputes directly to Experian, TransUnion, and Equifax, each supported by extensive documentation, including identity verification and supporting evidence. 

Each of these credit reporting agencies is legally obligated under FCRA 1681i to conduct a reasonable and good-faith reinvestigation within 30 days of receiving my dispute. Information that can not be verified must be promptly deleted under law. Continued reporting of unverifiable or inaccurate information constitutes willful noncompliance with : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5481 et seq.

Fair and Accurate Credit Transactions Act ( FACTA ) Equal Credit Opportunity Act ( ECOA ) Applicable state consumer protection statutes Despite my repeated disputes and extensive supporting evidence, Experian, TransUnion, and Equifax have failed to meet their legal obligations. In many cases, accounts continue to be reported even after creditors themselves have confirmed these accounts are inaccurate, fraudulent, or unverifiable. The bureaus have failed to provide sufficient verification, proper communication regarding the status of their investigations, or adequate reinvestigation efforts as required by law. 

The repeated failure to ensure maximum possible accuracy ( FCRA 1681e ( b ) ), combined with the ongoing reporting of inaccurate data, raises serious compliance concerns for all three agencies. The harm I continue to suffer remains ongoing, compounding, and materially damaging.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) : Investigate Experian, TransUnion, and Equifaxs repeated noncompliance with federal law. 
Compel full reinvestigations of each disputed item. 
Order the permanent deletion of all unverifiable, inaccurate, or unauthorized entries. 
Require the issuance of corrected credit reports reflecting accurate information. 
Ensure proper enforcement action is taken to address systemic failures, negligence, and repeated violations of consumer rights.

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