Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding significant inaccuracies, incomplete information, and suspicious activity across my credit reports from Equifax, Experian, and TransUnion. Despite my efforts to dispute certain items directly with the credit reporting agencies ( CRAs ), these issues persist, negatively impacting my credit standing and indicating potential violations of the Fair Credit Reporting Act ( FCRA ). 

Summary of Events and Identified Issues : Personal Information Discrepancies : My Experian report lists multiple misspelled variations of my name, such as " XXXX XXXX '' and " XXXX XXXX, '' which are factually incorrect. 

The Experian report also inaccurately lists " XXXX XXXX '' as a former employer, which is false. My employment history is primarily with XXXX XXXX. 

All three reports display an unusually high number of past addresses ( e.g., XXXX on Experian, numerous on TransUnion ). While some are legitimate, the sheer volume and presence of any unfamiliar addresses raise concerns about potential misuse of my personal information. 

Unauthorized Hard Inquiries : My Experian report shows XXXX hard inquiries, and my TransUnion report shows 9 " Regular Inquiries '' ( hard inquiries ). Several of these, including those from " XXXX CRED XXXX '' ( Experian, XX/XX/XXXX ), " XXXX '' ( Experian, XX/XX/XXXX ), " BANK OF XXXX XXXX XXXX Experian, XX/XX/XXXX and XX/XX/XXXX ), " XXXX XXXX '' ( Experian, XX/XX/XXXX and XX/XX/XXXX ), " XXXXXXXX XXXX XXXX ( Equifax, XX/XX/XXXX ), and " XXXX XXXX '' ( TransUnion, XX/XX/XXXX ) were not initiated by me for credit applications. These unauthorized inquiries are suspicious and suggest potential attempts at identity theft. 

Persistent Disputed Collection Accounts : I have multiple collection accounts appearing across all three reports ( e.g., from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ). Many of these accounts are explicitly marked with remarks like " Account information disputed by consumer ( FCRA ) '' or " Completed investigation of FCRA dispute - consumer disagreed. '' For example, the XXXX XXXX XXXX account ( original creditor XXXXXXXX XXXX XXXX, opened XX/XX/XXXX, balance {$3500.00} ) and the XXXX XXXX XXXX account ( original creditor XXXX XXXXXXXX XXXX XXXXXXXX, opened XX/XX/XXXX, balance {$2800.00} ) both show these dispute remarks. This demonstrates that despite my previous attempts to dispute these items as inaccurate or potentially fraudulent, the CRAs have failed to conduct a reasonable reinvestigation and remove or correct the information, as required by FCRA XXXX ( a ). I suspect these XXXX be linked to identity theft. 

Inaccurate and Inconsistent Tradeline Reporting : XXXX XXXXXXXX XXXX Credit Card ( opened XX/XX/XXXX, charged off ) : Experian reports this account as " On Record Until XX/XX/XXXX, '' while TransUnion reports it as " Estimated month and year this item will be removed : XXXX/XXXX. '' This is a direct, material inconsistency between the bureaus for the same account, violating FCRA 's accuracy and completeness requirements regarding the permissible reporting period for negative information. 

XXXX XXXX XXXX ( opened XX/XX/XXXX, current balance approx. {$30000.00} ) : Experian reports an " Original Balance '' of {$9400.00} and a " Highest Balance '' in XX/XX/XXXX that is still significantly lower than the current balance. This discrepancy between the original/highest reported amounts and the current balance is unclear and suggests inaccurate or incomplete reporting of the loan 's history or structure. Furthermore, the payment histories on both TransUnion and Experian show numerous " X '' ( Unknown ) or " ND '' ( No Data ) ratings, indicating a lack of complete verifiable payment information. 

XXXX XXXX Account ( opened XX/XX/XXXX, current balance approx. {$10000.00}, past due ) : The payment history on TransUnion contains multiple " X '' ( Unknown ) or " N/R '' ( Not Reported ) ratings. This incomplete data makes it impossible to verify the accuracy of the reported delinquencies and the current " 120 Days Past Due '' status.

Actions Taken and Requested : I have previously attempted to dispute several of these items directly with the credit bureaus, as evidenced by the " disputed by consumer '' remarks on my reports. However, these disputes have not resulted in the necessary corrections or deletions. I request that the CFPB investigate these matters to ensure that Equifax, Experian, and TransUnion comply with their obligations under the FCRA, including : Conducting rea
sonable reinvestigations of all disputed items.

Correcting or deleting inaccurate, incomplete, or unverifiable information, especially where it may be linked to identity theft.

Ensuring consistency and accuracy in reporting across all bureaus.

My goal is to have my credit reports accurately reflect my financial history and remove any information that is fraudulent or unverifiable.

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