Consumer complaint received 2025-10-14 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: SC

Complaint narrative:
I am filing this complaint to dispute multiple inaccurate and unverifiable items appearing on my credit reports with TransUnion ( TU ), Experian ( EX ), and Equifax ( EQ ). These accounts are either reporting incorrect balances, are outdated, or were not validated according to federal credit reporting laws. Despite my previous attempts to resolve these issues directly with the credit bureaus and creditors, these items continue to be reported inaccurately, damaging my credit profile and ability to obtain fair credit. 

This complaint is being filed in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which guarantee accurate and verifiable reporting of consumer credit information. 


XXXX. XXXX XXXX XXXX  ( XXXX ), XXXX. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported By : TU, EX, EQ Reported Dates : XX/XX/XXXX Balance : {$4200.00} This account is being reported across all three bureaus, but it is beyond the seven-year reporting period allowed by FCRA 605 ( a ) ( 4 ). It should have been removed by now. Continued reporting of this account is inaccurate and unlawful. 

XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported By : TU, EX Reported Dates : XX/XX/XXXX Balance : {$0.00} This account was settled and closed years ago, yet it remains listed on my report. The furnisher has failed to provide validation or update the status to reflect closure, violating FCRA 611 ( a ). 

XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported By : TU, EQ Reported Dates : XX/XX/XXXX Balance : {$0.00} This account shows as charged off with a {$0.00} balance. Since the debt has been resolved, the furnishers continued reporting of charge-off status is misleading and inconsistent with FCRA guidelines for accurate reporting. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported By : EX Reported Date : XX/XX/XXXX Balance : {$2200.00} This account appears to be inaccurately reported with inconsistent payment history and no verification documents provided. I have not received a valid debt validation notice as required by 15 U.S.C. 1692g. 

XXXX. XXXX XXXX. 
Account Numbers : 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 Reported By : EX Reported Dates : XX/XX/XXXX XX/XX/XXXX Balances : {$0.00} {$270.00} XXXX  accounts are duplicated and inconsistently reported, showing conflicting balances and open dates. Some appear to have been paid in full but still report incorrectly. These entries create confusion and lower my credit score inaccurately. 


Multiple hard inquiries were made on my credit reports that I did not authorize. These include : TransUnion : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX These inquiries appear to be tied to auto finance applications I did not initiate or approve. I have no record of applying for these accounts, and their presence constitutes unauthorized access to my credit file in violation of FCRA 604 ( a ).

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