Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am submitting this complaint because both Experian and TransUnion continue to report false, unverifiable, and unauthorized information on my credit file. Despite my written disputes dated XX/XX/XXXX, and the clear supporting evidence I provided, both bureaus have failed to correct or delete these items in compliance with FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ).

This complaint addresses all inaccurate tradelines, false collections, and unauthorized inquiries that remain on my credit reports after my disputes. These accounts contain contradictory payment data, improper charge-off statuses, and unverifiable information that violate XXXX XXXX data standards ( specifically XXXX, XXXX, and XXXX ). 

1. Inaccurate and Unverified Tradelines XXXX XXXX XXXX  XXXX This account is closed and shows a XXXX balance but continues to report as a charged-off account on one bureau. The data fields for Date Last Active and Payment Status do not match between Experian and TransUnion, proving the reporting is inconsistent and unverifiable. Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable data must be deleted immediately. 

XXXX XXXX XXXX  XXXX This account is marked as Charged Off on Experian but shows Pays as Agreed on TransUnion. Both list a XXXX balance and no payment history, which means the charge-off is unsupported. Reporting an account as charged off without proof violates FCRA 623 ( a ) ( 1 ) ( A ) and XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXXXXXX The same account is reported as current by TransUnion and past due by Experian. These opposing statuses can not both be true. The account was opened during a confirmed data breach period, and the bureaus failed to perform a proper reinvestigation under FCRA 611 ( a ). 

XXXX XXXX XXXX XXXXXXXX Each bureau reports different late payment histories and closure dates. The inconsistent Paid / 90 Days Late codes violate XXXX XXXX field XXXX and FCRA 607 ( b ) for accuracy. 

XXXX XXXX XXXX Listed as charged off on Experian but closed in good standing on TransUnion. No proof of charge-off, billing, or notice has ever been provided. Continued publication of this unverifiable data violates 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX Reported inconsistently across both bureaus with varying late-payment histories. Neither bureau produced billing records or creditor validation to support the derogatory marks. This is a clear violation of 607 ( b ) and 611 ( a ) ( 7 ) ( failure to provide the method of verification ). 

XXXX XXXX XXXX This account is missing from one bureau and reported with inconsistent payment history on the other. Unequal reporting among CRAs violates FCRA 623 ( a ) ( 1 ) ( D ), which requires furnishers to update all bureaus equally and accurately. 

XXXX XXXX XXXX Experian lists this as a charge-off while TransUnion shows different activity dates and no matching payment history. These conflicting statuses demonstrate a failure to verify under FCRA 611 ( a ). 

XXXX XXXX XXXX XXXXXXXX Reported as charged off by Experian but paid or current on TransUnion. No valid payment verification was provided. This data must be deleted under 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX  XXXX XXXX The payment history and charge-off data differ between Experian and TransUnion. Without documentation proving the accuracy of those fields, continued reporting constitutes negligent non-compliance under FCRA 1681o.

2. False and Unverified Collection Accounts XXXX. XXXX XXXX XXXX This collection account lists conflicting Date Last Active and Payment Status codes between Experian and TransUnion. I have never received any validation notice as required by FDCPA 809 ( 15 U.S.C. 1692g ). 

XXXX, XXXX XXXX XXXX XXXX The account is reported as a collection with inconsistent balances and dates. Both bureaus failed to verify ownership or contractual liability. This violates FCRA 623 ( b ) and XXXX XXXX field XXXX accuracy rules. 

XXXX XXXX XXXX XXXX Each bureau shows a different high credit and last active date. No proof of debt or original contract has been provided. Continued reporting without validation is a violation of FCRA 611 ( a ) and FDCPA 807 ( 8 ) ( misleading representation ).

3. Unauthorized and Fraudulent Credit Inquiries The following inquiries were not authorized by me and occurred after my data was compromised in a national breach. Under FCRA 604, these inquiries lack permissible purpose and must be removed immediately : 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 These companies have not provided any signed authorization or application records, making the inquiries illegal under FCRA 1681b ( a ) ( 2 ). Both bureaus have ignored my demand for investigation and deletion.

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