Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Failure to Conduct Timely and Lawful Reinvestigation of Inaccurate Credit Reporting Violations of the Fair Credit Reporting Act ( FCRA ) Consumer Information Full Name : 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 : TransUnion LLC Experian Information Solutions , Inc. 

Equifax Information Services LLC XXXX Complaint Summary I am filing this complaint against TransUnion, Experian, and Equifax ( collectively, the Credit Reporting Agencies or CRAs ), as well as certain furnishers including XXXX, for systemic failures to conduct timely, reasonable, and lawful reinvestigations of disputed credit information, in direct violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), 1681i, 1681s-2, and 1681b. 

Despite multiple disputes concerning duplicate derogatory accounts, outdated charge-offs, unverifiable debts, unauthorized hard inquiries, and materially inaccurate personal identifying information, the CRAs have continued to report this information without proper verification, failed to delete unverifiable data, and failed to correct obvious inaccuracies within the statutory timeframe. 

These failures have caused me ongoing financial harm, including credit denials, higher interest rates, and interference with housing and financial opportunities. 

Failure to Conduct a Timely and Reasonable Reinvestigation ( 15 U.S.C. 1681i ) Under the FCRA, once a consumer disputes information, a CRA is required to : Conduct a reasonable reinvestigation Review and consider all information submitted Delete or correct information that can not be verified Complete the reinvestigation within the statutory timeframe The CRAs named herein have failed to meet these obligations. Instead, they have either : Verified information without competent evidence Allowed duplicate derogatory accounts to remain Continued reporting outdated or unverifiable charge-offs Failed to correct clearly inaccurate personal information This conduct constitutes willful and/or negligent noncompliance with the FCRA. 

Disputed Accounts ( Inaccurate and/or Unverifiable ) XXXX / XXXX Account # : XXXX ( TransUnion ) Issue : Duplicate derogatory entries ; unverifiable debt Violations : 15 U.S.C. 1681e ( b ), 1681i XXXX XXXX XXXX XXXX XXXX Account # : XXXX ( Experian ) Issue : Unverifiable debt ; outdated charge-off Violations : 15 U.S.C. 1681e ( b ), 1681s-2 XXXX XXXX XXXX Account # : XXXX ( TransUnion ) Issue : Duplicate derogatory reporting ; unverifiable debt Violations : 15 U.S.C. 1681e ( b ), 1681i XXXX Account # : XXXX ( TransUnion ) XXXX : Duplicate derogatory reporting ; unverifiable debt Violations : 15 U.S.C. 1681e ( b ), 1681i XXXX XXXX XXXX Account # : XXXX ( TransUnion ) Issue : Unverifiable debt Violations : 15 U.S.C. 1681e ( b ), 1681s-2 XXXX XXXX  Account # : XXXX ( TransUnion ) Issue : Unverifiable debt ; outdated charge-off Violations : 15 U.S.C. 1681e ( b ), 1681i XXXX  Account # : XXXX ( TransUnion ) Issue : Duplicate derogatory reporting ; unverifiable debt Violations : 15 U.S.C. 1681e ( b ), 1681i Unauthorized Hard Inquiries ( 15 U.S.C. 1681b No Permissible Purpose ) The following inquiries were made without my authorization and without a permissible purpose, yet continue to be reported : XXXX XXXX XXXX Date : XX/XX/XXXX Bureau : TransUnion XXXX XXXX XXXX Date : XX/XX/XXXX Bureau : TransUnion XXXX XXXX  Date : XX/XX/XXXX Bureaus : TransUnion, Experian XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Bureau : TransUnion Reporting unauthorized inquiries violates FCRA 604, and continued reporting after dispute constitutes further noncompliance.

Inaccurate Personal Information ( 15 U.S.C. 1681e ( b ) ) The CRAs continue to report materially inaccurate personal identifying information, including : Incorrect Names : XXXX XXXX Correct Name : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect XXXX : XX/XX/XXXX Correct DOB : XX/XX/XXXX These inaccuracies materially increase the risk of mixed files, misattribution, and improper reporting. 

Legal Basis The conduct described above violates, at minimum : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681s-2 Furnisher duty to report accurate information 15 U.S.C. 1681b Reporting without permissible purpose Metro 2 Guidelines Industry standard for accurate credit reporting Consumer Harm As a direct result of these violations, I have suffered : Credit denials Higher interest rates Impaired ability to obtain housing and financial products Ongoing financial stress and hardship These harms are foreseeable, ongoing, and preventable.

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