Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint because Experian and TransUnion are knowingly reporting false, contradictory, and unverifiable information on my credit file, despite repeated disputes and clear legal violations. I am dealing with damaged credit, financial setbacks, emotional harm, and continued re reporting of accounts that these bureaus know are not accurate, not verified, or not even coded properly under Metro 2 standards. 

Both bureaus have disregarded their duties under the Fair Credit Reporting Act to ensure maximum possible accuracy and have ignored their legal obligations to correct or delete data that has already been proven false. The issues in my file are not minor errors. They are systemic failures that create the appearance of delinquency and fraud where none exists. 

XXXX. Experian and TransUnion are reporting false derogatory data that can not legally exist XXXX  XXXX XXXX accounts ending in XXXX and XXXX are being reported as Paid or Closed with a XXXX balance while still showing 30 day and 60 day late payments. This is impossible under XXXX XXXX standards. A XXXX balance account can not be late because there is no active obligation. Experian continues to publish these false lates in multiple years and has repeatedly failed to verify them. 
This is documented on page 9 and page 10 of Experians own report where they list a XXXX balance Paid account but still show 30 day lates in XXXX  and XXXX. 

TransUnion is also failing to correct these same issues and continues to reflect inaccurate activity even though the accounts have no active terms. This violates FCRA 1681e b and 623 a 1 A because they are knowingly reporting contradictory data that damages my creditworthiness.

2. Both bureaus are publishing inconsistent data across bureaus Accounts from XXXX XXXX XXXX and XXXX XXXX appear differently across all three bureaus. XXXX  has deleted them, TransUnion shows one deleted and one altered, while Experian still reports them as active charge offs or collections. 
This inter bureau inconsistency appears repeatedly in the files, for example the XXXX account XXXX shown as deleted in TransUnion but still active in Experian. See page XXXX of the Experian file. 

Under FCRA 1681i a 5 B, once an account is deleted by one bureau after a dispute, the remaining bureaus must correct or delete unless they have independent verified proof. Experian has ignored this requirement and continues to publish data they know is not verified. 

XXXX. Experian is illegally updating charge off accounts every month XXXX XXXXXXXX XXXX XXXX account XXXX is closed and charged off from XXXX, but Experian is updating this account as if it is being charged off every single month in XXXX through XXXX. 
This is shown on page 13 of Experians report where the payment history records constant CO codes in years that are more than a decade after the account was closed. 

Monthly updating of CO codes on a closed account is fabricated, unlawful, and a direct violation of Metro 2 coding rules which require a frozen status at the time of charge off. 

4. TransUnion mishandled my private information and violated my privacy rights TransUnion sent dispute responses to my ex husbands personal email address, which I never provided or authorized. This is shown on page 3 of the TransUnion file.

This is a severe privacy breach and a violation of FCRA 1681e a FCRA 1681b a and The Gramm Leach Bliley Act My ex husband has previously used my identity without my consent and having my consumer dispute information sent to him exposes me to further identity misuse and emotional harm. This has caused me fear, stress, and a deep concern that my personal data is not secure inside TransUnions systems.

5. Experian and TransUnion are re reporting deleted information without giving me the five day notice required by law According to the documentation in both files, several accounts that were previously removed through disputes have reappeared without any written reinsertion notice. Pages 20 to 23 of the Experian file show that Experian is re reporting collection accounts and incorrect addresses without providing legal certification or notice.

This is a direct violation of FCRA 611 a 5 B ii which prohibits reinserting deleted data without notifying the consumer within five business days.

6. Both bureaus are retaining addresses and employer information that do not belong to me Experian and TransUnion continue to publish past addresses and employers that I never lived at or worked for.

Examples appear throughout the personal information sections of both files such as the incorrect address XXXXXXXX XXXX XXXX XXXXXXXX and employer listings like XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Keeping inaccurate identifying information creates a mixed file risk and exposes me to identity theft and account mismatching. This is a failure under FCRA 1681e b.

7. Failure to validate under FCRA 611 a 7 Neither bureau has provided a Method of Verification for any of the accounts I disputed. Both Experian and TransUnion are recycling automated responses instead of validating with original signed documents, timestamps, or contractual evidence. This is shown repeatedly in the comments section of the reports where they simply state that the account becomes updated or meets FCRA requirements without proof.

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