Consumer complaint received 2025-10-30 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: MA

Complaint narrative:
After multiple formal disputes were submitted to Equifax, Experian, and TransUnion, the bureaus failed to properly verify or correct inaccurate and misleading information that remains on my credit file. Each bureau was provided sufficient time under 15 USC 1681i to conduct a reasonable reinvestigation but instead returned unverifiable data, contradictory updates, or no clear proof of verification. This constitutes willful non-compliance under 1681n. 

Despite being closed and carrying {$0.00} balances, several accounts continue to report derogatory late payments across all three bureaus. For example : XXXX XXXXXXXX Reported as Closed or paid account/zero balance yet still shows a XXXX late payment. The reporting contradicts itself with remarks such as Account has been closed due to inactivity and Canceled by credit grantor, demonstrating noncompliance with Metro 2 standards, which prohibit unverifiable derogatory remarks on paid, closed accounts. 

XXXXXXXX XXXX XXXX XXXXXXXX Reflects inconsistent and contradictory comments across bureaus including Closed or paid account/zero balance and Canceled by credit grantor, while simultaneously carrying late payment history that can not be substantiated. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX lates on an account with a {$0.00} balance, even after prior disputes. Furnishers failed to provide any documentary evidence such as signed contracts, payment ledgers, or timestamped verification to substantiate the alleged delinquencies. 

XXXX XXXX XXXXXXXX Shows contradictory comments like Dispute resolved ; reported by grantor and Account previously in disputenow resolved by data furnisher. These discrepancies confirm the account data is unreliable and fails the maximum possible accuracy requirement under 1681e ( b ).

In addition, there are multiple unauthorized credit inquiries that were never initiated or approved by me, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entities. These inquiries violate 1681b, as no permissible purpose has been demonstrated. The bureaus were unable to furnish any signed applications or proof of consent despite my written request for such evidence. 

Compounding the issue, my personal identifiers are also incorrect across reports. Old and inaccurate names remain attached to my file ( XXXX XXXX XXXX ), which increases the risk of data cross-contamination and misattribution. This violates 1681e ( b ) as well as Metro 2 data integrity requirements. 

To make matters worse, all three bureausEquifax, Experian, and TransUnionwere each impacted by major data breaches, exposing my personal and financial information without my consent. Given that my data has been compromised, any unverifiable or unauthorized inquiries are even more alarming and could be the result of identity misuse stemming from those breaches. 
Resolution Requested Given the repeated failures to verify the accounts, the inconsistent and contradictory data, and the lack of method of verification responses, I am requesting immediate deletion of all unverifiable accounts, derogatory late payment history, inaccurate personal identifiers, and unauthorized inquiries from all credit bureaus. 

I further request that the CFPB compel Equifax, Experian, and TransUnion to : Provide a documented method of verification for each account, including the furnishers name, address, and verification process used. 

Remove all unverifiable and contradictory tradelines and inquiries from my report.

Confirm full compliance with Metro 2 reporting standards and 1681e ( b ) for maximum possible accuracy.

Failure to address these violations has caused measurable harm to my creditworthiness, emotional distress, and potential exposure to identity-related risks as a direct result of the data breaches acknowledged by Equifax and XXXX. 

Summary of Violations Failure to conduct reasonable reinvestigation ( 15 USC 1681i ) Failure to maintain maximum possible accuracy ( 1681e ( b ) ) Willful non-compliance ( 1681n ) Unauthorized access to consumer reports ( 1681b ) Violations of Metro 2 accuracy and completeness requirements Recommended Action Pursue immediate deletion of all unverifiable and inconsistent tradelines and inquiries from all credit bureaus, and file a CFPB escalation citing willful noncompliance, data breach implications, and failure to provide a legally sufficient method of verification.

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