Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
I am filing this complaint to document ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards by Equifax, Experian, and TransUnion. Despite submitting detailed disputes, the credit bureaus continue to report inaccurate, unverifiable, and contradictory data. I am also an Equifax Data Breach victim, which increases my vulnerability to identity fraud and places additional responsibility on the bureaus to maintain accurate and secure reporting.

Dispute Issues and Reasons 1. Personal Information Errors Employer : Incorrectly reported as XXXX XXXX I never worked there. 

Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX undeliverable, never resided there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never resided there. 

Other outdated addresses listed despite confirmed current address ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

Reason for Dispute : Inaccurate and unverifiable personal identifiers increase the risk of fraud. FCRA 602 and 611 require maximum possible accuracy. These items must be deleted because they are neither accurate nor reportable.

2. Unauthorized Inquiries XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XX/XX/XXXX Reason for Dispute : No permissible purpose and no signed authorization provided. These inquiries are fraudulent and tied to the Equifax data breach. Under FCRA 604, inquiries require explicit consumer consent, which was never given.

3. Closed Accounts Still Reporting Derogatory Codes XXXX  XXXX # XXXX Contradictory coding : Closed or paid/XXXX balance ( Equifax ) XXXX Closed due to inactivity ( Experian ), Canceled by grantor ( TransUnion ) XXXX 

Reason : A zero-balance account can not carry derogatory codes. Inconsistent coding proves unverifiable reporting. 

Local Government FC # XXXX Shows late payments despite being closed and XXXX balance. 

Reason : Misleading and unlawful under FCRA 611 ; derogatory notations on paid installment loans are prohibited. 

XXXX # XXXX Contradictions : Closed or paid/zero balance, Closed due to inactivity, Canceled by grantor. 

Reason : Inaccurate closure coding on zero-balance accounts violates Metro 2 reporting rules. 

XXXX XXXX # XXXX Equifax : Paid charge-off, Experian : Unpaid balance/loss, TransUnion : Payment after charge-off. 

Reason : Conflicting remarks across bureaus show unverifiable data. Closed accounts can not legally carry charge-off notations. 

XXXX XXXX Bank # XXXX Equifax : Accounts closed by credit grantor, Experian : Unpaid balance/loss, TransUnion : Charged off as bad debt. 

Reason : Contradictory reporting proves unverifiable status. Zero-balance closed accounts can not be reported as charged-off. 

4. Collections with No Proper Validation XXXX # XXXX Equifax : Subject has not satisfied debt. 

Experian : Collection/charge-off. 

TransUnion : Collection/charge-off. 

Reason : No itemized accounting or validation from original creditor. Contradictory remarks between bureaus violate FCRA 611 and Metro 2 requirements for consistency. 

Legal Concerns Equifaxs prior breach undermines the integrity of their records. 

Contradictions across bureaus show no account meets the maximum possible accuracy standard. 

Updating remarks ( e.g., settled or closed ) does not remove the derogatory impact ; only full deletion is lawful. 

Requested Relief Delete all unauthorized inquiries listed. 

Delete all closed/zero-balance accounts carrying derogatory notations. 

Remove all inaccurate personal information ( employer, old addresses ). 

Provide full validation for collections or delete immediately. 

Confirm in writing that these corrections have been made across all bureaus. 

Conclusion These reporting failures are reckless, harmful, and unlawful. As an Equifax Data Breach victim, I should not be penalized with fraudulent inquiries, unverifiable accounts, and contradictory reporting. I request the CFPB to enforce deletion of these items and hold Equifax, Experian, and TransUnion accountable for willful non-compliance with federal law.

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