Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate personal information and defective tradelines that are incomplete, inconsistent, and unverifiable. Despite multiple disputes, Experian has failed to provide a lawful method of verification or remove the erroneous data. I am an XXXX Data Breachimpacted consumer, which makes strict adherence to FCRA accuracy and reinsertion requirements especially critical. Experian continues to report incorrect previous addresses, including XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX, even though my current and correct address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX These wrong addresses cause improper associations and identity confusion. Experian is also reporting multiple closed accounts as charge-offs or collections with conflicting high credit, credit limit, and status fields, in violation of FCRA and Metro 2 accuracy standards. Specifically, XXXX XXXX ( XXXX ) is listed closed yet still coded as a collection/charge-off ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are also closed but still reported with derogatory statuses ; and XXXX XXXX XXXX XXXX shows {$0.00} balance yet remains marked as charged off. These contradictions render the data unreliable and unverifiable. Furthermore, Experian has reinserted previously deleted items without providing the required written notice within five business days, violating FCRA 611. Due to these inaccuracies and procedural failures, I have suffered credit denials, higher interest rates, and financial harm. I request immediate deletion of all inaccurate addresses and tradelines, and full disclosure of the method of verification for each item. If Experian can not produce proper verification consistent with Metro 2 guidelines, each item must be permanently deleted. I also request documentation of any reinsertions, including source information and compliance certification with FCRA reinsertion rules. Written confirmation of all corrections and deletions must be provided to me. 

TransUnion What Happened ( Paragraph Version ) I am filing this complaint because TransUnion is reporting incorrect personal information and inaccurate collection accounts with inconsistent balances and statuses across credit bureaus. I have disputed these items multiple times, but TransUnion has failed to provide a proper method of verification as required under the FCRA. I am an XXXX  Data Breachimpacted consumer, which makes accurate and verifiable reporting particularly important. TransUnion continues to list name variations such as XXXX XXXX XXXX and XXXX XXXX XXXX that are not my legal name, as well as employers like XXXX XXXX and XXXX XXXX XXXX that are not accurate or authorized. These errors harm my profile and could result in misassociation. In addition, TransUnion is reporting collection accounts with material discrepancies. The XXXX XXXX ( XXXX ) account is reported as Open with a {$500.00} balance, while Experian lists it as Closed with {$500.00}. This inconsistency between bureaus indicates that at least one bureau is reporting unverifiable data. Similarly, the XXXX XXXX ( XXXX ) account is listed as an Open collection with a {$970.00} balance and recent updates, but TransUnion has not demonstrated the authenticity of this debt or its validation under Metro 2. These issues show that TransUnion is maintaining information that is inaccurate, incomplete, or unverifiable. I request deletion of all incorrect name and employer data, and full disclosure of the method of verification for each disputed account, including data sources, contracts, itemized balances, and Metro 2 coding. If TransUnion can not verify these items, they must be permanently deleted. I also request written confirmation of all deletions and corrections.

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