Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX DOB : XXXX  XXXX : Last 4 digits of SSN : XXXX Credit bureaus or furnishers involved : TransUnion, Experian, Equifax This complaint addresses the inaccurate and unverified credit reporting by the credit bureaus, specifically regarding multiple charge-off accounts and unauthorized hard inquiries. Despite previous disputes, these inaccuracies remain unresolved, causing detrimental effects on the consumer 's creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), XXXX, and XXXX, credit reporting agencies and furnishers are required to ensure accurate reporting and timely correction of errors. The failure to adhere to these obligations has resulted in incorrect credit data remaining on the consumer 's reports. 
The persistence of these inaccuracies has led to harm, including the potential for higher interest rates, loan denials, and other financial setbacks. 
Disputed Accounts XXXX XXXX XXXX Account # : XXXX [ Experian ] Issue : Duplicate derogatories, charge-off status despite transfer Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX Account # : XXXX [ TransUnion ] Issue : Duplicate derogatories, charge-off status despite transfer Violation ( XXXX ) : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX Account # : XXXX [ Equifax ] Issue : Duplicate derogatories, charge-off status despite transfer Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX 
Account # : XXXX [ Experian ] Issue : Duplicate derogatories, charge-off status despite transfer Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX XXXX Account # : XXXX [ TransUnion ] Issue : Duplicate derogatories, charge-off status despite transfer Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX Account # XXXX XXXX [ Equifax ] Issue : XXXX derogatories, charge-off status despite transfer Violation ( s ) : FCRA 1681e ( b ), 1681i Hard Inquiry Disputes XXXX XXXX  Date of inquiry : XXXX [ Experian, TransUnion ] Issue : Unauthorized inquiry XXXX no permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XXXX [ Experian ] Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX  Date of inquiry : XXXX [ TransUnion ] Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX XXXX  XXXX Date of inquiry : XXXX [ TransUnion ] Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX  Date of inquiry : XXXX [ TransUnion ] Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XXXX [ Equifax ] Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports Personal Info Discrepancies Incorrect names : XXXX XXXX ; XXXX XXXX XXXX Correct name : XXXX XXXX Incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Violation : FCRA 1681e ( b ) for inaccurate personal info reporting The following statutes are relevant to this complaint : FCRA 1681i - Procedures in case of disputed accuracy FCRA 1681s-2 - Responsibilities of furnishers of information FCRA 1681e ( b ) - Accuracy of report XXXX  XXXX guidelines - Industry standard for data formatting The inaccuracies and unauthorized inquiries have resulted in significant consumer harm, including potential loan denials, higher interest rates, and adverse impacts on job and housing opportunities. These issues have also caused undue financial stress and employment concerns for the consumer.

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