Consumer complaint received 2025-10-30 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 am submitting this complaint because all three credit bureaus Equifax, Experian, and TransUnion have failed to conduct a lawful and complete reinvestigation of my disputes as required under 15 USC 1681i. Despite my formal written disputes and provision of identifying documentation, the bureaus continue to report inaccurate and unverified information that violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards.

Each bureau was notified that the accounts listed below contained material inaccuracies and unverifiable data. These include inconsistent payment histories, conflicting dates of last activity, and missing or noncompliant Metro 2 fields such as balance, account status, and payment status alignment. Specifically : Santander accounts ( XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX show contradictory information across all three bureaus. XXXX is marked as Closed/Paid on some reports and Open/Current on others, while the same dates of activity differ by several months a clear violation of Metro 2 standards requiring uniformity across furnishers and bureaus. 

XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  is reported as charged off with varying high credit and limit figures and inconsistent last reported dates, indicating lack of proper verification and accuracy per FCRA 1681e ( b ). 

XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX was shown as Paid charge-off in some reports and Derogatory/Charge-off in others, which is contradictory and unsupported by any valid verification evidence. 

In addition, I disputed several unauthorized inquiries that appear on my reports including XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX and requested proof of permissible purpose under FCRA 1681b ( c ) along with signed authorization. None of the bureaus or furnishers have provided such documentation.

Each bureau was also informed that my disputes were submitted with my full consent, and that no power of attorney is required under federal law. Any delay or refusal to process disputes based on assumptions about third-party assistance constitutes willful noncompliance with 15 USC 1681i .

Despite submitting clear, timely, and good-faith disputes, I have received no verifiable proof of validation no signed contracts, no original applications, and no physical evidence linking me to the alleged debts. Their continued reporting of unverifiable and inconsistent data has caused credit denials, inflated interest rates, and emotional distress.

Resolution Requested I am requesting immediate and complete deletion of all disputed accounts and inquiries that lack verifiable proof under FCRA 609 ( a ) ( 1 ) ( A ) and 1681i ( 5 ). I also request written confirmation of deletion from each credit bureau and data furnisher. If the data can not be certified as accurate, complete, and verifiable with physical documentation, it must be permanently removed.

If this issue is not promptly resolved, I intend to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the New York State Attorney General for willful violation of consumer protection laws and negligence in data accuracy obligations.

Legal Basis FCRA 15 USC 1681i Failure to reinvestigate disputed items.

FCRA 15 USC 1681e ( b ) Failure to maintain maximum possible accuracy.

FCRA 15 USC 1681b ( c ) Unauthorized inquiries without permissible purpose.

FACTA & Metro 2 CRRG XXXX  Violations of required data field alignment and reporting standards. 

Recommended Action : Pursue full deletion of all unverifiable accounts and inquiries. The repeated noncompliance across multiple bureaus demonstrates systemic failure to meet legal and Metro 2 obligations, warranting immediate CFPB intervention.

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