Consumer complaint received 2026-01-21 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: TX

Complaint narrative:
I am submitting this complaint due to ongoing violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX  XXXX ( also reporting as XXXX XXXX  ) and the consumer reporting agencies Equifax , Experian, and TransUnion. 

Despite multiple written disputes submitted on or about XX/XX/XXXX, the above entities continue to report materially inaccurate, inconsistent, and unverified information on my consumer credit reports. The inaccuracies persist after notice, and the data being reported is internally contradictory across bureaus, rendering it inaccurate as a matter of law.

2. Specific Inaccuracies and Violations ( With Supporting Details ) A. Inaccurate and Inconsistent Charge-Off Reporting Account : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Balance : {$370.00} Across Equifax , Experian, and TransUnion, this same account is reported with conflicting core data fields, including but not limited to : Date Opened : Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX High Credit : Equifax : {$640.00} Experian : {$0.00} TransUnion : {$970.00} Credit Limit : Equifax : {$0.00} Experian : {$550.00} TransUnion : {$550.00} Date Last Active / Date of Last Payment : These dates materially differ across bureaus, despite referencing the same alleged account and balance.

A tradeline can not simultaneously contain multiple conflicting dates, credit limits, and high-credit amounts and still be considered accurate. These inconsistencies demonstrate that the information can not be verified as required under the FCRA.

B. Failure to Conduct a Reasonable Reinvestigation After I disputed these inaccuracies in writing, the consumer reporting agencies claimed the account was verified without correcting any of the contradictory data.

Re-reporting the same defective information without resolving the inconsistencies is not a reasonable reinvestigation and constitutes a violation of 15 U.S.C. 1681i ( a ).

C. Inaccurate Personal Identifying Information ( File Contamination ) All three bureaus continue to report incorrect or unauthorized personal identifiers, including : Multiple addresses reported simultaneously as current and previous Addresses that are not deliverable to me Employer information that I did not authorize Inconsistent personal data that increases the risk of file mixing Inaccurate identifiers contaminate the entire credit file and violate 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ).

D. Unauthorized Hard Inquiries My credit reports also contain hard inquiries ( including XXXX and XXXX ) for which : I did not apply for credit I did not authorize access No permissible purpose has been documented Hard inquiries without permissible purpose violate 15 U.S.C. 1681b and must be deleted if not properly substantiated.

3. Applicable Law The conduct described above constitutes violations of, but is not limited to : Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) Failure to maintain maximum possible accuracy 1681i ( a ) Failure to conduct a reasonable reinvestigation 1681i ( a ) ( 5 ) Failure to delete unverifiable or inaccurate information 1681b Unauthorized access / impermissible purpose Regulation V ( 12 CFR Part 1022 ) Furnisher and CRA accuracy and investigation obligations

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