Consumer complaint received 2025-08-16 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: IL

Complaint narrative:
I am filing this complaint because all three credit reporting agencies ( Equifax, Experian, and TransUnion ) have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards in handli

ng my credit file. Unauthorized Hard Inquiries My reports show multiple hard inquiries that I never authorized and for which no creditor has produced signed consent or proof of permissible purpose as required under 15 U.S.C. 1681b. These include inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX. I did not initiate any transaction with these companies, nor do I have any accounts with them. These inquiries are fraudulent, lower my scores, and misrepresent my credit activity. Despite my written disputes, the bureaus continue to report these inquiries without proof. 

Inaccurate and Outdated Personal Information All three bureaus are reporting obsolete or incorrect personal identifiers such as outdated addresses ( XXXX XXXX XXXX XXXX XXXXXXXX, VA and XXXX XXXX XXXX, XXXX, IL ) and wrong names ( XXXX XXXX, XXXX XXXX XXXX ). Under 15 U.S.C. 1681e ( b ), CRAs must follow reasonable procedures to assure maximum possible accuracy. Maintaining these identifiers creates a risk of mixed files and is linked to derogatory data that does not belong to me. Despite disputes, these identifiers remain on file, exposing me to further harm. 

Non-Compliant Account Reporting ( XXXX XXXX  ) All three bureaus are reporting late payment data on my XXXX XXXX auto loan that is mathematically and factually impossible under XXXX XXXX standards. The account shows XXXX with a balance and current payment, yet is coded as XXXX late while simultaneously reflecting a {$0.00} past-due. The Date of Last Activity, Date of Last Payment, and Last Reported dates conflict across bureaus. This violates 1681e ( b ) ( accuracy ), 1681i ( a ) ( reinvestigation ), and furnisher duties under 1681s-2. Continued publication of these defects after my disputes constitutes willful non-compliance ( 1681n ). 

As a documented Equifax Data Breach victim, I face heightened vulnerability to identity theft. The bureaus refusal to correct these clear errorsdespite multiple certified disputesshows reckless disregard of their duties.

I am requesting that the CFPB intervene to ensure : Immediate deletion of all unauthorized hard inquiries lacking proof of permissible purpose. 

Permanent deletion of outdated addresses and names to prevent mixed file harm. 

Deletion or correction of the XXXX XXXX tradeline to reflect accurate, lawful reporting. 

The CRAs continued failures are damaging my creditworthiness, causing unjustified denials, higher interest rates, and ongoing emotional and financial harm.

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