Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
This is a formal complaint regarding ongoing violations of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), the Fair and Accurate Credit Transactions Act, and XXXX XXXX data integrity requirements. The XXXX major credit bureaus listed above continue to publish false, inconsistent, and unverifiable information despite multiple disputes, formal notices, and my FTC Identity Theft Report ( FTC Report XXXX XXXX ) confirming fraudulent activity linked to the XXXX XXXX XXXX breach. 

Their actions constitute willful noncompliance with FCRA 1681e ( b ), 1681i, 1681b, and 1681c-2. These errors have caused measurable financial injury, credit denials, and emotional distress.

Failure to Maintain Maximum Possible Accuracy 1681e ( b ) The following tradelines are being reported with conflicting, fabricated, or structurally impossible data across Equifax, Experian, and TransUnion, proving the absence of lawful verification : XXXX XXXX XXXX Reported inconsistently as both open and closed, with variable balances and payment statuses. No signed documentation or lawful validation has been provided. Appears in my FTC Identity Theft Report as a fraudulent account. 

XXXX XXXX XXXX Reported as both XXXX and XXXX across bureaus with contradictory open dates and statuses. Listed under my FTC Identity Theft Report as identity theftrelated. Under XXXX XXXX, a closed and open status can not coexist. 

XXXX XXXX XXXX Displays {$0.00} credit limit yet an active balance of {$780.00}. Reported as XXXX and XXXX simultaneously. High credit fields conflict between {$0.00} and {$780.00}, violating XXXX XXXX field alignment. 

XXXX XXXX XXXXXXXX Reported as closed and charged off but still purchased by another lender with an open balance. Contradictions between Equifax, Experian, and TransUnion for Date of Last Activity. No contract or proof of ownership provided. 

XXXX  XXXX Conflicting last activity dates and high-balance inconsistencies between bureaus. Reported as both revolving and installment with mismatched limit fieldsnoncompliant under XXXX XXXX XXXX. 

XXXX XXXX Lists a {$0.00} limit with a {$6500.00} balance. Simultaneously coded as XXXX, XXXX XXXX, and XXXX Surrender, which is structurally impossible. 

XXXX XXXX Reported as both a line of credit and a collection account. No evidence of lawful verification or authorization produced. 

XXXX XXXX  XXXX Conflicts across all three bureausreported as closed, charged off, and purchased by another lender. High-balance and date fields inconsistent. Violates XXXX XXXX XXXX XXXX for account structure integrity. 

These accounts are unverifiable, inconsistent, and reported contrary to industry standards. Continued publication after multiple disputes constitutes reckless disregard for accuracy obligations. 

Failure to Block Identity Theft Accounts 1681c-2 & 605B My FTC Identity Theft Report XXXX XXXXXXXX confirms fraudulent activity stemming from the XXXX XXXX XXXX XXXX XXXX It identifies XXXX XXXX XXXX ) and XXXX  XXXX ( XXXX ) as fraudulent. Each credit bureau received this report and accompanying identification, yet all failed to block or delete the accounts within XXXX business days as required by law. 

Unauthorized Credit Inquiries 1681b The following inquiries were performed without any permissible purpose, contractual authorization, or signed consumer consent. These were confirmed as unauthorized through FTC Report XXXX XXXX XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Under 1681b, no person may obtain a consumer report without a permissible purpose. Each listed inquiry must be deleted unless the bureau produces verifiable source data, timestamps, and the signed application authorizing access. 

Failure to Provide the XXXX of XXXX XXXX ( a ) ( 6 ) ( B ) ( iii ) Each bureau failed to disclose how these items were verified. Generic form letters were sent instead of the legally required written method of verification identifying the furnisher, evidence, or documentation used. 

Unlawful Delay and Stall Tactics Equifax, Experian, and TransUnion each attempted to delay reinvestigation by citing XXXX assistance as grounds to stall disputes. Under 1681i, no such exemption exists. Every dispute submitted under my name was personally authorized and compliant with FCRA. Refusing to investigate based on formatting or perceived third-party involvement constitutes willful obstruction of a federally protected right. 

Harm and Damages Because of these violations, I have endured financial and emotional distress, including : Credit denials and higher interest rates Negative impact to creditworthiness Emotional distress from continued misreporting Reputational harm due to published falsehoods Each bureaus failure to correct these issues after repeated notice represents willful and negligent noncompliance under 1681no.

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