Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
I am filing this complaint because my credit reports contain accounts, inquiries, and personal identifying data that are inaccurate, incomplete, contradictory, and unverifiable. Despite multiple disputes, the bureaus and furnishers continue to publish this damaging information in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX compliance standards. 

XXXX. XXXX XXXX XXXX ( Account ending XXXX ) : Experian reports the account opened XX/XX/XXXX, TransUnion shows XX/XX/XXXX, and Equifax leaves critical fields blank but still lists the account derogatory with a balance of XXXX. These discrepancies violate FCRA 623 ( a ) ( 1 ) which prohibits reporting information known to be inaccurate, and FCRA XXXX which requires deletion of unverifiable or conflicting information. XXXX XXXX has never produced validation under FDCPA 1692g, such as the original signed contract, proof of assignment, or itemized accounting. Continuing to report without validation is false representation under FDCPA 1692e. 

XXXX. XXXX XXXX ( Account ending XXXX ) : Equifax reports this account as derogatory charge off with comments of paid charge off and closed by credit grantor, yet still shows a XXXX balance. Experian and TransUnion list it as paid but continue to code it as charge off. A tradeline can not simultaneously be paid and charged off, which is a direct Metro 2 violation and materially misleading. Under FCRA 623 ( a ) ( 2 ), furnishers must update or delete incomplete or misleading information, and under FCRA 1681s-2 ( b ), they must investigate disputes and delete unverifiable data. The continued reporting of this contradictory account is willful noncompliance. 

XXXX. XXXX XXXX XXXX ( Account ending XXXX Equifax only ) : Equifax reports this account with a balance of XXXX and status of 120 days delinquent, while simultaneously marking multiple months as XXXX. This internal contradiction violates XXXX XXXX standards and FCRA 623 ( a ) ( 1 ). Because Experian and TransUnion do not report this account, Equifaxs lone publication creates a misleading profile. No validation has been provided under FDCPA 1692g, making this account unverifiable and unlawful. 

XXXX. Unauthorized Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian These inquiries were not authorized by me. Under FCRA XXXX ( a ), credit reports XXXX only be accessed with a permissible purpose. No such permissible purpose has been demonstrated, yet these inquiries remain and continue to unfairly reduce my score by creating the false impression that I am seeking excessive credit. Unauthorized inquiries are unlawful and must be permanently deleted. 

XXXX. Personal Identifying Data ( PID Errors ) : My reports contain conflicting and outdated personal data. Equifax lists my name as XXXX XXXX XXXX while other bureaus use XXXX XXXX XXXX. Outdated addresses such as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX remain on file despite being long abandoned. An employer XXXX XXXX is incorrectly attached to my profile. My date of birth is also reported inconsistently. These discrepancies violate FCRA XXXX ( b ), which requires the credit bureaus to maintain maximum possible accuracy in personal identifying information. Outdated and conflicting PIDs increase the risk of mixed files, misidentification, and unfair denials of credit. 

Harm Caused : These accounts, unauthorized inquiries, and PID errors have materially suppressed my XXXX scores, misled potential creditors, and created the false impression that I defaulted on obligations or sought credit excessively. As a result, I have suffered financial harm through denials of credit, higher interest rates, and emotional distress due to the continued mishandling of my personal data. 

Relief Requested : I request that the CFPB enforce compliance by requiring Equifax, Experian, TransUnion, XXXX XXXX XXXX, and XXXX XXXX to : Permanently delete the Portfolio Recovery and XXXX accounts that are unverifiable and contradictory. 

Permanently delete the unauthorized inquiries from XXXX XXXX and XXXX XXXX XXXX. 

Correct or permanently remove all inaccurate personal identifying data including wrong names, addresses, employer, and date of birth entries. 

Updating these records is not acceptable because the reporting itself is fatally inconsistent, misleading, and unlawful. Permanent deletion is the only remedy consistent with FCRA 602, 607, 616, 617, 623, 1681i, FDCPA 1692, and Metro 2 compliance requirements.

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