Consumer complaint received 2025-12-23 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: CO

Complaint narrative:
I am submitting this complaint due to the continued reporting of inaccurate, inconsistent, and unverifiable information on my credit reports despite multiple written disputes. The credit reporting agencies and data furnishers have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 1681i, by failing to ensure maximum possible accuracy and failing to conduct reasonable investigations. 

PERSONAL INFORMATION VIOLATIONS ( SYSTEMIC NONCOMPLIANCE ) The credit bureaus are reporting false and conflicting personal identifiers, including : Incorrect names ( e.g., XXXX XXXX / XXXX XXXX XXXX ) Incorrect and non-deliverable addresses that I have never resided at Incorrect employer listings Incorrect or incomplete date of birth data Despite repeated written notice, the bureaus continue to retain this false data, which creates identity-mixing risks and violates 15 U.S.C. 1681e ( b ). 

My ONLY correct identifying information is : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CO XXXX DOB : XX/XX/year> All other personal data is inaccurate and must be deleted. 

ITEMIZED ACCOUNT VIOLATIONS 1. XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance Reported : {$9700.00} This account is being reported with material inconsistencies across credit bureaus, including : Conflicting date opened and date last active Conflicting payment history and delinquency data Reporting as both charged off and actively reporting balances No proof of certified Metro 2 compliance No documentation provided bearing my signature The credit bureaus failed to verify this account through original, signed consumer documentation and instead relied on unverifiable furnisher data. Reporting contradictory and uncertified data violates 15 U.S.C. 1681e ( b ) and 1681i. 

2. XXXX CARD Charge Account Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance Reported : {$3700.00} This account is being reported with conflicting high credit amounts, inconsistent date last active, and contradictory payment histories across bureaus. Additionally : Account is reported as charged off yet continues to show balance activity Data fields are incomplete and not Metro 2 compliant No validation or signed agreement has been produced Late payment allegations are unsupported The continued reporting of this account without certified accuracy is unlawful and must be deleted. 

3. XXXX CARD Credit Card Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance Reported : {$1400.00} This account contains serious data integrity violations, including : Account type reported inconsistently ( unknown vs revolving ) Conflicting high credit amounts Conflicting last activity dates Inconsistent delinquency history No certification of data accuracy or completeness The credit bureaus failed to reconcile these contradictions or provide verification. This account is not legally reportable in its current state and must be removed. 

4. XXXX XXXX XXXX XXXX XXXX Collection Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance Reported : {$260.00} This collection account is being reported with : Conflicting dates opened and last active No proof of legal standing to collect No evidence of original creditor authorization No validation or certification of accuracy Inconsistent reporting across bureaus Reporting an unverified collection account without substantiation violates both FCRA and Metro 2 standards and constitutes unlawful reporting. 

5. XXXXXXXX XXXX XXXXXXXX Collection Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance Reported : {$120.00} This account is reported with : Inconsistent reporting dates No proof of debt ownership No validation documentation No certified Metro 2 compliance Unsupported allegations of collection activity The data is incomplete, outdated, and unverifiable. Continued reporting is unlawful. 

FAILURE OF REASONABLE INVESTIGATION In each case, the credit bureaus failed to : Conduct an independent investigation Obtain original signed agreements Verify disputed data fields Resolve discrepancies across bureaus Provide results of investigation as required by law Merely parroting furnisher responses does not meet the legal standard of a reasonable investigation. 

HARM CAUSED As a direct result of these violations : My creditworthiness has been severely damaged I have been denied credit opportunities I have suffered emotional distress and financial hardship My consumer rights have been repeatedly disregarded REQUESTED RESOLUTION I respectfully request that the CFPB require the credit bureaus and furnishers to : Immediately delete all disputed accounts listed above Correct all personal identifying information Cease reporting unverifiable and non-compliant data Provide written confirmation of deletions Ensure future compliance with FCRA and Metro 2 standards Failure to resolve these violations will result in further escalation to the FTC, State Attorney General, and civil litigation.

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