Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX ( XXXX ) XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian Accounts in Dispute XXXX. XXXX XXXX XXXX XXXX ( Auto Loan ) Reported by : TransUnion, Experian, Equifax Account Type : Auto Loan / Collection / Charge-off Date Reported : XX/XX/XXXX Balance : {$19000.00} Reason for Dispute : The account was charged-off but continues to report inaccurate payment history and balance. XXXX XXXX reports consumer disputes after resolution, which is inconsistent with FCRA guidelines. The account appears unverifiable. 

XXXX. XXXX ( Credit Card ) Reported by : TransUnion, Experian, Equifax Date Reported : XX/XX/XXXX Balance : {$2400.00} Reason for Dispute : Account listed as charged-off / canceled by credit grantor despite prior payments. 
Dates of last activity vary between bureaus, indicating data inaccuracy and re-aging of debt. 

XXXX. XXXX XXXX ( Credit Card ) Reported by : TransUnion, Experian, Equifax Date Reported : XX/XX/XXXX Balance : {$470.00} Reason for Dispute : Account reports collection/charge-off with different balances and last payment dates among bureaus. 
Under FCRA 607 ( b ), furnishers must ensure maximum possible accuracy, which was not met. 

XXXX. XXXX XXXX ( Credit Card ) Reported by : TransUnion, Experian, Equifax Date Reported : XX/XX/XXXX Balance : {$2900.00} Reason for Dispute : Account was closed and paid, yet is still being reported as derogatory / charged-off. 
The same account number appears on multiple tradelines, which XXXX represent duplicate or merged file errors. 

XXXX. XXXX ( Credit Card ) Reported by : TransUnion, Experian, Equifax Date XXXX : XX/XX/XXXX Balance : {$7000.00} Reason for Dispute : This account shows XXXX days late despite being paid or closed. 
Late payment pattern and current balance reporting are inconsistent with the consumers payment history. 

XXXX XXXX  XXXX XXXX  XXXX XXXX by : Experian Date Reported : XX/XX/XXXX Balance : {$1700.00} Reason for Dispute : Account reports charge-off with no recent verification or supporting documentation. 
The account was allegedly settled in XXXX ; however, it continues to show unpaid balance reported as a loss. 

XXXX. XXXX ( Utility Account ) Reported by : Equifax Date Reported : XX/XX/XXXX Balance : {$120.00} Reason for Dispute : Account shows XXXX late and collection status even though it was paid and closed in XXXX. 
This account should no longer appear under FCRA 7-year reporting rules.

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