Consumer complaint received 2025-07-23 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: MO

Complaint narrative:
I am submitting this formal complaint because of inaccurate, inconsistent, and unverifiable information being reported by all three major credit reporting agencies : Experian, Equifax, and TransUnion. I have attempted multiple disputes directly with the bureaus with no resolution, and I am now requesting CFPB intervention. 
Below is a detailed summary of the errors and violations across the credit bureaus : 1. Inaccurate and Inconsistent Account Reporting XXXX XXXX XXXX XXXX Account # XXXX Reported inconsistently across Experian and TransUnion with differing account numbers, closure dates ( TransUnion : XX/XX/XXXX vs. Experian : XX/XX/XXXX ), and creditor type.

Experian shows unresolved dispute status while TransUnion does not.

Violations : FCRA 609, 611, 623, 605 ( c XXXX XXXX  Account # XXXX Conflicting closed dates ( EQ : missing, TU : XX/XX/XXXX, EX : XX/XX/XXXX ) Inconsistent account type ( Installment vs. Unsecured Loan ) Mixed dispute language, unclear charge-off status Violations : FCRA 609, 611, FDCPA XXXX  Account # XXXX Different account type labels : Advertising, Installment, Secured Loan Conflicting balances and dates across all bureaus Experian reports missing or incomplete details Violations : FCRA 609, 611, 623, TILA 1666b Department of Education Multiple Accounts Department of education Accounts XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX Mismatched loan classifications, statuses, and terms Experian shows 150 days late status while others show Pays as agreed Equifax omits term info ; dispute flags are inconsistent Violations : FCRA 609, 611, 623 2. Collections Reporting Without Proper Validation XXXX XXXX TransUnion Account # XXXX Missing contract, payment history, type, and validation No terms, agreement, or proof of debt Violations : FCRA 609, 611 ; FDCPA 809 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX  All 3 Bureaus Account # XXXX Inconsistent dispute flags, categories, and payment status Vague and conflicting remarks between all three bureaus Violations : FCRA 609, 611, 623 3. Unauthorized Hard Inquiries ( No Permissible Purpose ) Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 XXXX XXXX XXXX XXXX Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  None of these inquiries were authorized by me, and no signed application or credit transaction was initiated. This violates FCRA 604 ( a ) ( 2 ) and 604 ( a ) ( 3 ), which require a permissible purpose and consumers written consent.

Agencies I have Escalate Federal Trade Commission ( FTC ) 3 reports Agencies I Will Escalate To If Not Resolved : State Attorney General Fair Debt Collection Practices Act ( FDCPA ) violations will be pursued separately if necessary.

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