Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because the three nationwide consumer reporting agencies ( Experian, Equifax, and TransUnion ) are reporting inaccurate, incomplete, and misleading information on my credit file, and are failing to maintain maximum possible accuracy as required by the Fair Credit Reporting Act ( FCRA ). 

Using my tri-bureau report from XXXX XXXX XXXX dated XX/XX/year> and my Experian report dated XX/XX/year>, I identified the following problems : XXXX XXXX XXXX  XXXX / XXXX XXXX credit card ( Acct # XXXX ) is being reported as what appears to be a single account with conflicting balances ( {$4900.00} vs {$5000.00} ), high balances, last-activity dates, and months-reviewed fields across the three bureaus. Some versions show high balance {$0.00}, while others show high balance {$5000.00}, despite the same credit limit of {$5000.00}. This is misleading and not maximum possible accuracy. XXXX XXXX XXXX XXXX unsecured account ( Acct # XXXX ) is reported as in good standing, with language such as This Is An Account In Good Standing, Dispute Resolved Consumer Disagrees, but not all bureaus clearly reflect the fact that I dispute this account. FCRA requires accurate reporting of the disputed status. 

XXXX XXXX XXXX XXXX XXXX auto loan ( Acct # XXXX ) is reported as an open auto loan with a high balance and no payment history ( Months reviewed : XXXX and No history is available ) while still labeled In good standing. This account is not mine. Around the same time, numerous auto-finance inquiries ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX appear XXXX None of these inquiries has a proper documented permissible purpose, and I have requested proof from the bureaus. 

XXXX XXXX XXXX tradelines are fragmented into multiple accounts with inconsistent statuses, including a voluntary surrender notation with No data available in the payment grid. This exaggerates the appearance of risk and is not accurate, consistent reporting. I formally disputed these issues directly with the credit bureaus and requested a reinvestigation under 15 U.S.C. 1681i, including removal of any unverifiable information and production of documentation for each questionable inquiry and tradeline. The bureaus have failed to correct or delete the inaccurate and fragmented tradelines, and have not provided proper documentation showing permissible purpose for multiple inquiries.

These actions ( and failures to act ) violate : 15 U.S.C. 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy ; 15 U.S.C. 1681i inadequate reinvestigation of disputed information ; 15 U.S.C. 1681b reporting inquiries without clear permissible purpose ; 15 U.S.C. 1681s-2 ( a ) & ( b ) furnisher duties to provide accurate information and correct errors ; And contradict industry-standard Metro 2 ( XXXX XXXX reporting guidelines. 

Because of this inaccurate reporting, my credit profile appears riskier than it actually is. This has caused me stress, time lost working on repeated disputes, and potential negative impact on my ability to qualify for credit under fair terms. I estimate my damages at over {$26000.00} in statutory and actual damages, and I reserve all rights to pursue legal action.

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