Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CFPB Complaint Credit Reporting ( FCRA ) Companies to select ( primary ) : Experian Information Solutions , Inc.

Equifax Information Services LLC TransUnion LLC ( Optional furnishers to add if the portal allows additional companies ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Issue category : Credit reporting Incorrect information on your report Credit reporting Problem with a credit reporting companys investigation ( If applicable ) Identity theft/credit monitoring 1 ) Short public narrative ( XXXX characters ) I am disputing inaccurate and misleading credit reporting across Experian, Equifax, and TransUnion. The CRAs failed to maintain maximum possible accuracy ( FCRA 607 ( b ) ) and did not provide a complete Method of Verification after disputes ( FCRA 611 ). Examples include cross-bureau conflicts in status, limits/high credit, last payment/last reported dates, and payment strings that dont support charge-off/collection coding. Some items appear duplicated by debt buyers ( XXXX  ) without clear chain-of-title or a consistent Date of First Delinquency ( DOFD ). An authorized-user tradeline ( XXXX ) is derogatory without proof of my authorization. Certain accounts ( e.g., XXXX, XXXX ) were not addressed in bureau responses despite being reported. I request a manual reinvestigation, full MOVs, corrections to single verified Metro 2-compliant recordsor deletion if unverifiableplus written results.

2 ) Full description ( What happened? ) Summary This complaint concerns FCRA violations by one or more nationwide CRAs. After disputes, the CRAs failed to : provide complete MOVs ( FCRA 611 ( a ) ( 7 ) ), and assure maximum possible accuracy ( FCRA 607 ( b ) ).

Key issues ( representative patterns across items ) Cross-bureau inconsistencies : Same account shows different high credit/limits, account status ( open/closed/CO/collection ) , last payment dates , and last reported dates across CRAs.

Payment-history logic problems : Charge-off/collection coding is paired with OK months or missing/partial payment strings, which is misleading and not Metro 2-compliant. 

XXXX + Collector overlap / duplicate effect : Debt-buyer tradelines ( XXXX, XXXX XXXX XXXX XXXX, XXXX ) appear to overlap original accounts without clear chain-of-title or DOFD, risking double-counting.

Authorized-user derogatory ( identity/mixed-file risk ) : A XXXX XXXX XXXXXXXX XXXX XXXX is negative . Please verify signed authorization ; if not attributable to me, block/remove.

Items omitted from bureau replies : XXXX and XXXX were not addressed by certain CRAs even though they appear on reports ( e.g., XXXX  on Experian only ). 

Possible improper reinsertion : If any previously deleted item was reinserted, the CRA must provide the 5-day notice and furnisher certification ( FCRA 611 ( a ) ( 5 ) ( B ) ) ; otherwise permanently delete.

Representative examples ( not exhaustive ) XXXX  XXXX ( multiple ) closed accounts show different high credits/limits and different last-payment/last-active dates across CRAs, yet all coded Late 120 Days. 

XXXX ( XXXX  ) appears open with late sequence and a separate XXXX XXXX collection on the same account number, suggesting overlap without clear DOFD/chain-of-title. 

XXXX XXXX ( installment ) high credit and payment strings conflict across CRAs ( e.g., OK strings vs charge-off coding ). 

XXXX XXXX XXXX XXXX XXXX XXXX  ( revolving ) credit limits/high credit and payment history differ by CRA ; some strings show OK months inconsistent with CO coding. 

XXXX ( installment ) continuous CO codes on one bureau while another shows long runs of OK ; status and strings conflict. 

XXXX / XXXX XXXX XXXX XXXX XXXX ( collections ) multiple collector versions of the same alleged debts, inconsistent opened dates and statuses, and missing chain-of-title and DOFD. 

XXXX ( Experian ) one tradeline shows continuous CO codes ; another shows Paid but prior XX/XX/scrub>30/60/90 lates ; neither was addressed by other CRAs responses.

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