Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. Please verify or remove immediately the following accounts : XXXX XXXX  Lic, XXXX XXXX XXXX, XXXX XXXX Credit Bureau Disputes, XXXX, XXXX XXXX XXXX Correct name : XXXX XXXX XXXX Names and alias are incorrect : XXXX XXXX XXXX Aliases XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Inquires are incorrect and I didnt apply for any cards : XXXX XXXX VIA DEALER XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX HARD, Reported XX/XX/XXXX, XXXX XXXX XXXX HARD Reported XX/XX/XXXX, XXXX XXXX HARD Reported XX/XX/XXXX, XXXX XXXX HARD Reported XX/XX/XXXX, XXXX XXXX HARD Reported XX/XX/XXXX, XXXX XXXX HARD Reported XX/XX/XXXX, XXXX  XXXX XXXX HARD Reported XX/XX/XXXX, XXXX  XXXX XXXX HARD Reported XX/XX/XXXX, XXXX XXXX XXXX HARD Reported XX/XX/XXXX, XXXX  XXXX XXXX  HARD Reported XX/XX/XXXX, XXXX XXXX HARD Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX, XXXX XXXX XXXX HARD Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX, XXXX XXXX XXXX HARD Reported XX/XX/XXXX, XXXX XXXX XXXX 
XXXX HARD Reported XX/XX/XXXX, XXXX XXXX XXXX 
XXXX HARD Reported XX/XX/XXXX, XXXX XXXX HARD Reported XX/XX/XXXX, XXXX XXXX XXXX 
XXXX HARD Reported XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Correct address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, ny,XXXX Address is incorrect I never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX SC XXXX Incorrect employers : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I ask to see the original contract Please remove this inaccurate information from my credit report. 

Key inconsistencies are found in total accounts, open/closed accounts, debt in collections, and hard inquiries. Experian is missing a significant amount of account data, especially for revolving, installment, and collection accounts. Additionally, name and address formatting is inconsistent across the bureaus, and Experian lacks crucial personal and account information compared to Equifax and TransUnion. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation immediately and delete Significant inconsistencies exist in the payment status, responsibility, and times late categories. Experian is missing almost all relevant information, which further creates discrepancies across the bureaus. Additionally, TransUnion reports missed payments while Equifax reports charged off status, creating conflicting data.

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