Consumer complaint received 2025-11-17 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: WI

Complaint narrative:
This complaint is being submitted to address widespread, harmful, and unlawful inaccuracies appearing across my Experian, Equifax, and TransUnion credit files, which violate multiple provisions of the Fair Credit Reporting Act ( FCRA 601616 ). My consumer file contains incorrect names, addresses, account statuses, balances, and numerous unverifiable inquiries, each of which affects my creditworthiness and violates my rights under FCRA 603 ( f ), 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ). My address history is misreported across all three bureaus, listing 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 which are accurate, violating 607 ( b ) and 609 ( a ) ( 1 ), which require complete and accurate identifying information. My charge-off accounts, including 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 ( {$100.00} ), are inconsistently reported across the bureaus, violating FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 2 ) because the status and balances differ from one report to another. My collection accounts, including XXXX XXXX XXXX XXXXXXXX ( {$570.00} ), XXXX XXXX  XXXX ( reported as {$0.00} to {$630.00} ), and XXXX XXXX  XXXX ( {$260.00} ), also show conflicting balances and creditor information across all three bureaus, which violates 603 ( f ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ). Additionally, the bureaus have reported numerous inaccurate or questionable inquiries, many of which lack permissible purpose or proper authorization under FCRA 604 ( a ) ( 3 ). The inquiries reported by Experian include : XXXX XXXX XXXX ( XX/XX/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 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 and additional duplicated entries from XXXX XXXX and XXXX XXXX Equifax reports inquiries from : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Globallend ( XX/XX/XXXX ), and XXXX/XXXX  ( XX/XX/XXXX ). TransUnion reports inquiries from : XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). Many of these inquiries appear duplicative, unauthorized, or unverifiable, violating FCRA 603 ( f ), 604 ( a ) ( 3 ), 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ). Each of these reporting failuresmisreported names, inaccurate addresses, inconsistent charge-offs, conflicting collections, and improperly recorded inquiriesconstitutes noncompliance with FCRAs accuracy, completeness, verification, and reinvestigation requirements under 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 2 ). These inaccuracies misrepresent my credit profile, violate federal law, and have caused significant and ongoing harm to my consumer rights and credit standing.

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