Consumer complaint received 2025-12-15 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: DE

Complaint narrative:
I am submitting this complaint due to repeated inaccurate, duplicate, unverifiable, and unlawfully maintained items on my credit reports, despite prior disputes. Multiple collection accounts, charge-offs, unauthorized inquiries, and incorrect personal identifying information continue to be reported without lawful verification. This pattern of conduct is unreasonable, harmful, and inconsistent with the Fair Credit Reporting Act. 

XXXX. Detailed Chronological Narrative Beginning in or around XXXX and continuing through XXXX, several furnishers and consumer reporting agencies began reporting derogatory items on my credit file. These include collection accounts, charge-offs, and line-of-credit accounts that contain conflicting dates, duplicate balances, missing creditor identification, or no payment history at all. 

The collection and charge-off accounts currently appearing on my credit reports include, but are not limited to : XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX, reported with conflicting open dates, activity dates, and duplicate balances tied to XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX. The same alleged debts are reported multiple times with inconsistent timelines. 

XXXX XXXX XXXX XXXX account ending in XXXX, tied to XXXX XXXX, reported with different open dates and activity dates across bureaus, without payment history or proof of lawful assignment. 

XXXX XXXX XXXX account ending in XXXX, allegedly tied to XXXX, reported across all three bureaus with inconsistent open dates, activity dates, and reporting timelines, with no payment history or documentation. 

XXXX XXXX  accounts ending in XXXX and XXXX, allegedly tied to the XXXX of XXXX XXXX, reported as collections without payment history, billing records, or proof of liability. 

XXXX XXXX account ending in XXXX, reported as a charged-off line of credit with a balance exceeding the reported credit limit, no delinquency progression, and no payment history. 

XXXX XXXX XXXX XXXX XXXX  account ending in XXXX, reported as a charged-off installment loan with no payment history, conflicting balance data, and an admission that the account was transferred, yet continues to be reported. 

XXXX medical collection accounts reported as XXXX  creditors, ending in XXXX and XXXX, reported without identifying any furnisher, original creditor, or lawful owner, yet marked as derogatory with ongoing activity. 

Despite my disputes, these accounts continue to be verified without correction or documentation. Some accounts remain reported while marked as consumer dispute in progress, confirming that no lawful reinvestigation was completed. 

In addition to account-level errors, my credit report contains unauthorized hard inquiries, including : XXXX XXXX XXXX XXXX XX/XX/XXXX, which I did not authorize. 

XXXX XXXX inquiry dated XX/XX/XXXX, which I did not authorize or consent to. 

These inquiries appear without documented permissible purpose. 

My credit file also contains incorrect personal identifying information, including : Incorrect employer listing XXXX XXXX. 

Incorrect current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX, reported as negative on Equifax while marked positive on Experian and TransUnion. 

Incorrect previous address XXXX XXXX XXXX XXXX XXXX, NY XXXX, reported as inaccurate across all bureaus. 

Incorrect name variations including XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, reported inconsistently across bureaus and flagged as negative. 

These personal identifiers are inaccurate, inconsistent, and increase the risk of mixed files and misattribution. 

3. Applicable Consumer-Protection Concerns These issues raise concerns under : FCRA 1681e ( b ) for failure to maintain maximum possible accuracy.

FCRA 1681i ( a ) for failure to conduct reasonable reinvestigations and delete unverifiable information. 

FCRA 1681s-2 ( b ) for furnishers failure to properly investigate disputes.

FCRA 1681b ( a ) for inquiries lacking permissible purpose.

Metro 2 Reporting Standards, due to duplicate tradelines, conflicting dates, missing payment histories, anonymous creditors, and inconsistent account data. 

I am also a consumer impacted by the XXXX XXXX XXXX breach and the Equifax data breach, which heightens the obligation to verify identity, ownership, and accuracy before furnishing or re-furnishing derogatory data. 

4. Consumer Impact/ Harm These reporting failures have suppressed my credit scores, limited my access to credit, and caused unnecessary stress and time loss. Duplicate collections, anonymous medical debts, and unauthorized inquiries have directly harmed my creditworthiness. Incorrect personal data increases the risk of identity confusion and improper account association. 

XXXX. Requested Resolution I am requesting : Permanent deletion of all inaccurate, duplicate, unverifiable, anonymous, or Metro-2-noncompliant collection and charge-off accounts listed above. 

Permanent deletion of all unauthorized hard inquiries. 

Permanent deletion of all incorrect personal identifying information, including names, addresses, and employer listings. 

Proper reinvestigation under FCRA 1681i supported by actual documentation. 

Written confirmation of all deletions and assurance against unlawful reinsertion. 

XXXX. Closing Statement I am seeking a fair and lawful resolution. I expect all furnishers and consumer reporting agencies involved to comply fully with federal law and correct my credit file promptly. Continued reporting of these items after this complaint would constitute ongoing noncompliance. I appreciate the CFPBs assistance in ensuring these issues are resolved.

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