Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I am filing this CFPB complaint because the credit reporting agencies ( Experian, TransUnion, and Equifax ) are reporting inaccurate, unverifiable, contradictory, and unauthorized information on my credit reports, including incorrect derogatory accounts, improper charge-off coding, contradictory payment histories, and numerous unauthorized hard inquiries that I did NOT consent to. 

This has caused severe harm, credit denials, emotional distress, and ongoing financial damage. 

XXXX XXXX XXXX ILLEGAL CHARGE-OFF REPORTING / CONTRADICTORY DATA The Ally Financial auto account is being reported with : Conflicting charge-off dates Conflicting repossession descriptions Inconsistent balance reporting between bureaus Missing validation Contradictory merchandise taken back comments Incorrect Metro-2 coding ( wrong Account Status, wrong Payment Codes, wrong Special Comment Codes ) Reporting a balance that does not match the alleged activity This violates : FCRA 602 Failure to maintain maximum accuracy FCRA 623 ( a ) ( 1 ) ( A ) Furnisher reporting known false information FCRA 611 No proper reinvestigation FDCPA 807 False and misleading representation FACTA + Privacy Act Mishandling of personal identifying information I demand full deletion of this account because it can not be verified and is reported inaccurately across all three bureaus. 

XXXX. XXXX XXXX XXXX XXXX  FALSE LATE PAYMENTS/ DUPLICATED DELINQUENCIES XXXX  XXXX is reporting inconsistent late-payment data : TU shows Late XXXX EX shows Late XXXX EQ shows Late XXXX  Monthly late payments do NOT match the accounts activity Payment grids contradict one another Metro-2 coding is not aligned with actual payment behavior Several late payments appear duplicated or out of sequence This violates : FCRA 602 Maximum accuracy requirement FCRA 611 No validation of delinquency data Metro-2 CRRG Improper payment ratings and status codes FCRA 623 Continued reporting of knowingly false information I request immediate removal of all late payments or full deletion of this account. 

XXXX. XXXX XXXX XXXX XXXX  UNVERIFIED & CONTRADICTORY REPORTING XXXX  XXXX XXXX XXXX XXXX  is illegally reported : Missing on Experian ( proving inconsistent data ) Missing contractual details No proof of debt No date of last payment Inconsistent reporting between TU and EQ Improper Metro-2 collection coding No validation provided upon dispute Violations : FCRA 611 No reasonable reinvestigation FCRA 623 Reporting information not verified FDCPA 809 ( b ) Failure to validate alleged debt Privacy Act Mishandling consumer data This account must be deleted immediately. 

XXXX. UNAUTHORIZED & IMPERMISSIBLE HARD INQUIRIES ( FULL LIST ) I did NOT authorize many of the following inquiries. Several are the result of dealer shotgun applications, which occur without consumer consent and violate FCRA 604.

FULL LIST OF INQUIRIES BEING DISPUTED FOR LACK OF PERMISSIBLE PURPOSE : Experian Inquiries ( Unauthorized ) : 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 XXXX XXXX XXXXXX/XX/XXXX TransUnion Inquiries ( Unauthorized ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FCRA Violations for ALL Inquiries Above : FCRA 604 No permissible purpose FCRA 615 Failure to notify adverse action FCRA 616617 Civil liability for willful/negligent noncompliance Privacy Act Improper access and data sharing I am demanding the removal of all unauthorized inquiries, as they were not initiated by me and were made without my informed consent.

5. IDENTITY-THEFT ELEMENTS & DATA-BREACH RISKS The presence of large clusters of unauthorized auto inquiries strongly suggests : My data may have been compromised Auto dealerships submitted applications without permission Creditor systems accessed my file without permissible purpose Under FCRA 605B, these bureaus must block all identity-theft-related information within 4 business days.

6. METRO-2 COMPLIANCE FAILURES ( ALL BUREAUS ) The following reporting defects violate the Consumer Data Industry Association ( CDIA ) Metro-2 Format : Wrong Account Status Codes Wrong Payment Rating Codes Inconsistent Date of First Delinquency ( DOFD ) Conflicting balance fields Duplicate late payments Wrong Special Comment Codes Inconsistent ECOA codes Monthly grids that contradict the account narrative Under FCRA 602 & 623, credit bureaus must ensure maximum possible accuracy. They failed to do so.

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