Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this formal complaint regarding repeated and unlawful behavior by all three major credit reporting agencies : Experian, XXXX, and TransUnion. 

I have disputed numerous inaccurate accounts across XXXX XXXX  bureaus. Many of these accounts have been paid in full including XXXX XXXX, XXXX, and XXXX yet they continue to be reported as open, delinquent, or unpaid. This is not only inaccurate but damaging to my credit. 

In addition, the same creditors appear under different names, causing duplicate entries. Despite multiple disputes with documentation and proof of payment, the accounts remain unchanged. The bureaus failed to conduct a proper investigation under federal law. 

Several previously deleted accounts were reinserted without legally required notice or certification, violating XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( B ). 

I continue to experience unauthorized XXXX  inquiries, especially while applying for housing and utilities, without written consent. These inquiries violate XXXX XXXX XXXX XXXX ( f ). 

Although I placed both a fraud alert and a security freeze, the bureaus continue to release and share my file improperly in violation of XXXX XXXX XXXX XXXX. 

I also dispute : A XXXX XXXX tradeline : I switched to Spectrum, who agreed to buy out my XXXX contract and now receives payment. XXXX should no longer be reporting this account. 

An auto loan from XXXX XXXX : I purchased a XXXX  XXXX XXXX in XXXX. The transmission failed immediately. Repairs totaling {$2600.00} were attempted under warranty but were never completed properly. The car became non-drivable, yet the loan remains on my report. 

These credit reporting agencies are violating the Fair Credit Reporting Act ( FCRA ) including : XXXX Failure to reinvestigate disputes XXXX ( a ) ( XXXX ) ( B ) Reinserted information without notice XXXX ( f ) Unauthorized access and inquiries XXXX ( a ) Reporting obsolete/outdated information XXXX ( a ) ( XXXX ) ( A ) Reporting information known to be inaccurate XXXX ( a ) ( XXXX ) Failure to mark accounts as disputed XXXX Failure to enforce fraud alerts and freezes XXXX Civil liability for willful noncompliance XXXX Civil liability for negligent noncompliance These violations persist even after the credit bureaus were sued by the CFPB for similar misconduct. 
I request immediate deletion of all inaccurate, unverifiable, duplicate, outdated, reinserted, or unauthorized accounts and inquiries. 
I request a full compliance review, investigation, and written confirmation of corrections. 

Attachments include : Government-issued ID & proof of address Credit reports with disputed tradelines Payment history for Capital XXXX, XXXX, and XXXX Dispute XXXX XXXX repair receipts ( XXXX XXXX XXXX Proof of XXXX  transfer ( XXXX ) XXXX  inquiry documentation

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