Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX DOB : XXXX SSN : Last 4 digits of SSN : XXXX Date : XX/XX/year> Credit bureaus or furnishers involved : TransUnion, Experian, Equifax Complaint Summary This complaint addresses the inaccurate and unverified credit reporting on my credit reports by multiple credit bureaus and furnishers. Specifically, there are numerous accounts that are inaccurately reported as collections or charge-offs, and several hard inquiries that lack permissible purpose.

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2, it is required that the information reported on my credit report is accurate and verifiable. However, the credit bureaus have failed to correct these inaccuracies despite previous disputes, causing significant harm to my creditworthiness.

The incorrect reporting has led to a negative impact on my credit score, resulting in loan denials, higher interest rates, and financial stress. I am seeking correction of these errors to prevent further harm. 
Disputed Accounts XXXX Account # : XXXX ( TransUnion ) Issue : Account inaccurately reported as charge-off, balance is XXXX. 
Violation ( s ) : FCRA 1681e ( b ) XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX ( Experian ) Issue : Unverifiable debt, reported as collection/charge-off. 
Violation ( s ) : FCRA 1681e ( b ), 1681s-2 XXXX XXXX XXXX Account XXXX : XXXX ( Experian ) Issue : Account disputed, collection/charge-off status not updated. 
Violation ( s ) : FCRA 1681i, 1681s-2 XXXX  Account XXXX XXXX XXXX XXXX Equifax ) Issue : Duplicate reporting of collection account. 
Violation ( s ) : FCRA 1681e ( b ) XXXX XXXX  XXXX Account # : XXXX ( TransUnion, Experian, Equifax ) Issue : Duplicate derogatories, inaccurate charge-off reporting. 
Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX  Account # : XXXX, XXXX ( Equifax ) Issue : Inaccurate charge-off status, balance discrepancies. 
Violation ( s ) : FCRA 1681e ( b ) XXXX XXXX XXXX Account # : XXXX ( TransUnion ) Issue : Inaccurate collection/charge-off status. 
Violation ( s ) : FCRA 1681e ( b ) XXXX  Account # : XXXX ( TransUnion ) Issue : Duplicate reporting, inaccurate collection status.

Violation ( s ) : FCRA 1681e ( b ) XXXX XXXX Account # : XXXX, XXXX, XXXX ( Experian ) Issue : Inaccurate charge-off status, unverifiable balances. 
Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX XXXX XXXXccount # : XXXX ( Experian ) Issue : Account status not updated after dispute. 
Violation ( s ) : FCRA 1681i XXXX Account # : XXXX ( TransUnion, Experian, Equifax ) Issue : Duplicate reporting, inaccurate charge-off status. 
Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX XXXX  Account # : XXXX ( Experian ) Issue : Inaccurate charge-off status, unverifiable debt. 
Violation ( XXXX ) : FCRA 1681e ( b ), XXXX XXXX XXXX Account # : XXXX, XXXX ( TransUnion, Experian, Equifax ) Issue : Duplicate derogatories, inaccurate charge-off reporting. 
Violation ( s ) : FCRA 1681e ( b ), 1681i Hard Inquiry Disputes XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : TransUnion Issue XXXX Unauthorized inquiry, no permissible purpose. 
Legal Reference : FCRA 604 XXXX  Date of inquiry : XXXX Bureau ( XXXX ) reporting it : Equifax Issue : Unauthorized inquiry, no permissible purpose. 
Legal Reference : FCRA 604 XXXX XXXX  Date of inquiry : XXXX, XXXX, XXXX Bureau ( s ) reporting it : TransUnion Issue : Duplicate inquiries, no permissible purpose. 
Legal Reference : FCRA XXXX XXXX  Date of inquiry : XXXX, XXXX Bureau ( XXXX ) reporting it : TransUnion, Experian Issue : Duplicate inquiries, no permissible purpose. 
Legal Reference : FCRA 604 XXXX XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : TransUnion, Experian, Equifax Issue : Duplicate inquiries, no permissible purpose. 
Legal Reference : FCRA XXXX Personal Info Discrepancies Incorrect names : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX Correct name : XXXX XXXX XXXX Incorrect addresses : XXXX XXXX XXXX APT XXXX, XXXX XXXX, CA, XXXX Correct address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect DOBs : XXXX Correct DOB : XXXX09 Cite FCRA 1681e ( b ) for inaccurate personal info reporting Legal Basis FCRA 1681i, 1681s-2, 1681e ( b ) Metro 2 guidelines - Industry standard for data formatting Consumer Harm The errors on my credit report have resulted in loan denials, higher interest rates, and have negatively affected my ability to secure housing and employment. This has caused significant financial stress and hardship.

Requested Resolution

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