Consumer complaint received 2025-12-09 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: DE

Complaint narrative:
I am filing this complaint because several creditors and collection agencies are furnishing false, conflicting, unverifiable, and nonMetro 2compliant information to the credit bureaus. The bureaus are continuing to publish these inaccuracies despite prior disputes, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and my federally protected rights as a consumer.

My file contains an alarming pattern of inconsistent dates, mismatched balances, unverifiable delinquency sequences, and reporting discrepancies that clearly demonstrate a systemic failure to maintain maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

The attached TransUnion report ( pages XXXX ) documents repeated contradictions across nearly every account listed. 
These errors can not be dismissed as minor variancesthey reflect major data integrity failures, potential identity compromise, and evidence of unverified or fabricated reporting. 

I am requesting that the CFPB take special consideration of the fact that the furnishers have repeatedly provided unreliable, inconsistent, and contradictory information. 

For the record : I am asking that the CFPB use its full authority to require the furnishers and bureaus to proveNOT assumethe accuracy of every single field of data. 
If they can not produce verifiable, contemporaneous, and auditable documentation, then the accounts must be deleted, as required under the FCRA. 

Please be advised that I expect a highly detailed and aggressive investigation into these violations. 
The reporting in my file is so inconsistent, inaccurate, and compromised that it undermines the very purpose of a consumer report. 
Every disputed item below displays red flags that no legally compliant investigation could overlook. 

XXXX XXXX This account displays conflicting Date Opened, different Date Last Active, mismatched payment histories, and unverifiable delinquency patterns ( pages XXXX ). 
XXXX and the bureaus have failed to maintain internal data consistency across all required XXXX XXXX fields. 
Due to these contradictions and the unverified past-due amount, this account can not be authenticated. 

XXXX XXXX XXXX The reporting contains : Contradictory delinquency timelines Conflicting XX/XX/XXXX day late sequences Mismatched Date Opened and Date Last Active An unverifiable past-due amount of {$15000.00} As shown on page XXXX, these errors violate FCRA 602 ( A ), 607 ( B ), 611 ( a ). 
This account appears corrupted or inaccurately furnished due to compromised data. 

XXXX XXXX XXXX The report shows : Conflicting dates across bureaus Different late payment counts Inconsistent Date Last Active and charge-off dates Reporting that does not align with FCBA billing-cycle requirements ( See pages XXXX. ) This data is not accurate, not consistent, and not verifiable. 

XXXX XXXX XXXX  XXXX This installment loan reflects : Contradictory repossession timelines Conflicting Date Last Active ( XX/XX/XXXX vs. XX/XX/XXXX ) Incorrect delinquency progression Charge-off amounts that do not match the high balance Pages XXXX demonstrate severe Metro 2 failures. 
This account is fundamentally unreliable. 

XXXX XXXX This charge account contains : Conflicting Date Opened Conflicting Date Last Active Different delinquency histories Mismatched balance aging Pages XXXX show clear violations of FCRA accuracy standards. 
The account is not verifiable. 

XXXX  XXXX This furnisher reports : Two different Date Opened values Conflicting Date Last Active Different payment histories Past-due amounts that do not match billing-cycle rules As shown on pages XXXX, XXXX failed to maintain consistent Metro 2 formatting. 

XXXX XXXX  XXXX This collection account is potentially fraudulent and includes : Different Account Status ( Closed vs. Open ) Conflicting Date Opened XXXX payment history No chain-of-custody documentation Pages XXXX show that the account can not be verified. 

XXXX XXXX XXXX This account is wrongly reported as XXXX, which raises identity concerns. 
It displays : Conflicting dates No payment history Different Last Reported timestamps Pages XXXX show clear evidence of unverifiable data. 

XXXX XXXX XXXX This collection account contains : Conflicting Date Opened Conflicting Date Last Active XXXX payment history No original contract or itemized billing statements Pages XXXX show that the account is unverifiable and potentially fraudulent. 

XXXX XXXX XXXX This account displays : A {$0.00} balance with a Collection/Charge-off status Conflicting dates No payment history whatsoever Government-related accounts must follow stricter reporting standards, but pages XXXX show multiple violations. 

UNAUTHORIZED INQUIRIES XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ( two entries ) XXXX XX/XX/XXXX These inquiries were reported without my authorization. 
Pages XXXX show that the bureau could not provide any evidence of a permissible purpose under 15 U.S.C. 1681b. 
As a documented data-breach victim, these inquiries place me at higher risk of identity misuse.

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