Consumer complaint received 2025-10-02 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: NJ

Complaint narrative:
I am a confirmed victim of two major data breaches : the Equifax XXXX XXXX and the XXXX XXXX XXXX XXXX ( XXXX  ). Both incidents exposed my Social Security number and personal identifiers, making any data tied to my credit file inherently unreliable and unverifiable. Under FCRA 609 ( e ), I am entitled to heightened protections, including suppression of unverifiable or breach-tainted information. 

Despite this, all three credit bureaus ( Equifax, Experian, and TransUnion ) continue to report false, outdated, and contradictory information in my credit file, which violates federal law and Metro 2 standards. 

1. Personal Information Errors ( Unverifiable due to Breach Impact ) False Names : XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent/Invalid Addresses : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX False Employers : XXXX XXXX XXXX XXXXXXXX XXXX Reason : These identifiers are tied to breach-contaminated data, are not deliverable by XXXX, and are not associated with me. Their continued reporting violates FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 611 ( a ) ( 1 ) ( A ) ( reasonable reinvestigation ). 

2. Unauthorized Hard Inquiries ( No Permissible Purpose, No Signed Consent ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bank XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Reason : I never authorized these inquiries, and no bureau or furnisher has provided original signed documentation. Under FCRA 604, reporting unauthorized access is unlawful. Continued inclusion of these inquiries increases my exposure to fraud since my identifiers are already breach-compromised. 

3. Unverifiable & Contradictory Accounts XXXX Bank XXXX  ( Acct ending XXXX ) : Equifax shows {$1900.00} high balance ; TransUnion {$2600.00} ; Experian {$0.00}. 

Different dispute comments and account types across bureaus. 

Late payments reported after charge-off, which violates FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 rules. 

XXXX XXXX ( Acct ending XXXX ) : Equifax reports charge-off ; Experian reports voluntary surrender ; TransUnion reports profit-and-loss write-off. 

Late payments continue after closure/charge-off, which is prohibited. 

XXXX XXXX XXXX ( Acct XXXX ) : Equifax/Experian show closed, TransUnion shows open.

No original creditor listed ( Unknown ), making the account unverifiable. 

XXXX XXXX XXXX ( Acct XXXX ) : Experian/TransUnion show open, Equifax does not report it at all. 

No original creditor listed ; dispute status missing across bureaus. 

Reason : These contradictions prove the data is unverifiable, inaccurate, and breach-tainted. This violates FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ) and Metro 2 compliance standards.

4. Failure of Reinvestigation I have disputed these items before, yet the bureaus verified them without correcting contradictions. This is not a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ). Continuing to report unverifiable, contradictory, and breach-tainted data after notice of dispute constitutes willful noncompliance under 15 U.S.C. 1681n.

5. Harm Caused As a result of these violations, I have suffered : Credit denials and inflated interest rates from inaccurate derogatories. 

Heightened risk of identity theft continuation because my data has been exposed in two separate breaches. 

Unfair damage to my creditworthiness from the reporting of unverifiable, unauthorized, and false information.

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