Consumer complaint received 2025-09-27 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: MO

Complaint narrative:
Re : Systemic FCRA & CFPA Violations by Equifax, Experian, TransUnion, and Multiple Furnishers I hereby submit this complaint to document persistent, willful, and negligent misconduct in violation of federal consumer protection law by the nationwide consumer reporting agencies ( Equifax, Experian, TransUnion ) and by several data furnishers. These violations have resulted in the continued publication of inaccurate, incomplete, and fraudulent information on my credit reports, despite repeated disputes, identity theft notifications, and supporting documentation provided to all relevant parties.

Collections / Derogatory Accounts XXXX XXXX XXXX XXXX XXXX  A purported account in the amount of {$6200.00} is currently reporting on TransUnion only. This account remains entirely unverified and has been the subject of disputes, yet TransU
nion continues to display it in violation of FCRA 1681i and 605B, both of which require blocking or deletion of unverifiable or identity-theft-related accounts.

Account XXXX XXXX  ( {$140.00} ) : This alleged account is reporting solely on Equifax. It too remains unverified, continues to be published without substantiation, and constitutes an unlawful reinsertion or continuation of inaccurate data in violation of the same statutory protections. 

XXXX XXXX XXXX XXXX XXXX is reporting a {$650.00} late account, along with inconsistent data regarding multiple open accounts. These contradictions reflect a failure of accuracy and completeness under FCRA 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report only data that is accurate and not misleading. The inconsistent and duplicative reporting creates a false portrayal of delinquency and overextension, both of which damage my creditworthiness. 

Hard Inquiries My reports collectively reflect approximately XXXX hard inquiries by entities including, but not limited to : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX. Many of these inquiries are duplicative, unauthorized, or outdated. They lack a permissible purpose under FCRA 1681b ( c ) and therefore represent unlawful access to my consumer report. 
The bureaus continued publication of these inquiries after disputes were filed also violates their duty under FCRA 1681i to investigate and remove unverifiable information.

Personal Information Errors My file continues to display outdated and inaccurate personal identifiers, including a prior address ( XXXX XXXX XXXX XXXXXXXX, MO XXXX ) and an employer ( XXXX XXXX ) with which I have no present relationship. Their continued presence constitutes a violation of FCRA 1681i, as consumer reporting agencies are required to maintain accurate and current personal data.

Retention of outdated identifiers not only distorts my profile but also facilitates ongoing identity theft and misattribution of accounts.

Additional Violations Failure to properly code consumer disputes under Metro 2 standards, which results in furnishers and third parties failing to recognize the accounts as disputed.

Failure to provide written reinvestigation results within the statutory 30-day timeline required by FCRA 1681i ( b ).

Continued reporting of obsolete information and reinsertion of previously disputed tradelines without proper certification, in direct violation of FCRA 1681i ( a ) ( 5 ).

Violations of the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), which prohibits unfair, deceptive, or abusive acts and practices in connection with consumer financial data.

Harm and Damages These systemic and ongoing violations have caused significant, measurable harm to me. My credit score has dropped by more than XXXX points, directly impairing my ability to obtain financing, secure housing, and access fair credit opportunities. Beyond financial losses, these violations have caused reputational injury, emotional distress, and erosion of trust in the integrity of the credit reporting system.

Re

lief Requested I demand immediate investigation, deletion, and permanent blocking of all unverifiable, inaccurate, and identity-theft-related information. I further request the correction of my personal identifiers, removal of all impermissible inquiries, certification of compliance with Metro 2 standards, and written confirmation of the reinvestigation results as required by law.

I reserve all rights to pursue statutory damages, injunctive relief, and attorneys fees as provided under the FCRA, FDCPA, and CFPA.

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