Consumer complaint received 2025-12-09 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: AL

Complaint narrative:
I am filing this complaint because multiple accounts, collections, and hard inquiries appearing on my credit reports are being reported inaccurately, inconsistently, and in violation of the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve these issues directly with the credit bureaus and furnishers, but the information continues to be reported incorrectly, despite contradictions, missing data, and lack of verification. 

After reviewing my reports from Equifax, Experian, and TransUnion, I found that several accounts associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contain conflicting dates, missing payment histories, inconsistent statuses, and information that can not be verified across the bureaus. This directly violates FCRA 607 ( b ), which requires maximum possible accuracy, and 611 ( a ), which requires the removal of unverifiable information. 

Inaccurate / Unverifiable Accounts The following accounts are being reported with contradictory data, missing Metro 2 fields, conflicting statuses, and impossible timelines : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Across all three credit bureaus, these accounts show different : open dates and last activity dates balances and statuses charge-off dates payment histories delinquency codes Some accounts even show late payments in months when the account was not open or after it was already closedan issue noted repeatedly in my TransUnion dispute responses. 


This demonstrates that furnishers did not provide verified, original records, and the bureaus did not perform a lawful reinvestigation. 

Collections with Conflicting / Impossible Data The following collection agencies are reporting accounts that contain contradictory timelines and missing data, making verification impossible : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX In my bureau disclosures, these collection accounts include : different open dates between Experian and TransUnion conflicting account statuses ( open, closed, and charge-off ) missing payment histories missing original creditor information last-activity dates that are chronologically impossible TransUnion files confirm that Equifax is data-breach impacted XXXX meaning Equifax can not rely on automated matching or internal records to verify any derogatory data.

Under FCRA 611 ( a ) ( 1 ) ( A ), any unverifiable information must be deleted, not updated. 

Unauthorized / Fraudulent Hard Inquiries My credit reports show numerous inquiries from creditors with whom I never applied for credit or initiated any business relationship : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX ( all entities ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( multiple dates ) XXXX XXXXXXXX ( multiple variations ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 1681b, a permissible purpose is required before pulling my credit report. I did not authorize these inquiries. 
TransUnions own letters state that they failed to produce any signed application, proof of authorization, or legitimate documentation validating these inquiries. 


As a consumer whose information has been exposed due to breaches, these unauthorized inquiries increase my risk of identity theft and financial harm. 

Impact on My Life These inaccurate accounts, collections, and unauthorized inquiries have caused : repeated credit denials increased interest rates inability to qualify for stable housing emotional stress concerns about ongoing identity misuse I have made multiple attempts to resolve these errors, but the credit bureaus continue to report inconsistent and unverifiable 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