Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because the three nationwide credit reporting agenciesEquifax, TransUnion, and Experianhave repeatedly failed to ensure the accuracy, fairness, and completeness of the information reported under my credit profile. Despite multiple disputes and supporting documentation I have provided, all three bureaus continue to publish false, incomplete, or unverifiable information, causing me financial harm and violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681i and 1681e ( b ), as well as the Metro 2 compliance standards.

Across all three credit bureaus, there are multiple errors in personal information such as my name, date of birth, and addresses. For example, names like XXXX XXXX, XXXX XXXX XXXX, and other variations have been falsely attributed to me, as well as incorrect addresses including XXXX XXXX XXXX, XXXX, TX and XXXX XXXX XXXX XXXX, XXXX, AZ. These are not my correct identifying details, yet the bureaus continue to maintain them despite clear documentation of my true identity. Such inaccuracies not only misrepresent me but also expose me to the risk of identity fraud. 

Additionally, the bureaus continue to report unauthorized or inaccurate credit inquiries. Inquiries from entities such as XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others were not authorized by me. Under the FCRA, creditors are required to have written authorization or a permissible purpose before making inquiries. Since no such documentation exists, these inquiries are fraudulent and should have been promptly removed. Their continued appearance negatively impacts my ability to obtain credit. 

The credit bureaus have also failed to address unverifiable and misleading accounts and collections. For example, the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported inconsistently across all three bureaus, with conflicting dates, high credit limits, and payment histories. This account reflects false derogatory information that has not been verified despite repeated disputes. Similarly, Equifax has continued to publish derogatory notations on accounts such as XXXX XXXX XXXX XXXXXXXX even though the information is unverifiable and inconsistent across the agencies. These reports violate both Metro 2 reporting standards and federal law, as no complete or certifiable documentation has ever been provided. 

Moreover, the situation is aggravated by the Equifax data breach and XXXX XXXX XXXX exposure, which have compromised my personal information. Given this breach, the bureaus no longer have the lawful authority to retain or publish unverifiable data tied to my identity. Continuing to do so not only disregards my disputes but also demonstrates willful negligence and noncompliance with federal consumer protection laws. 

I have sent multiple dispute letters directly to the bureaus and provided identity documents for verification. Despite this, the bureaus either ignored the evidence, failed to properly investigate, or reinserted deleted items without providing the required five-day notice. These actions show a deliberate disregard of their obligations under the FCRA. 

In summary, the credit reporting agencies have engaged in : Maintaining false personal identifiers ( incorrect names, DOB, and addresses ). 

Publishing fraudulent and unauthorized inquiries. 

Continuing to report unverifiable derogatory accounts without lawful documentation. 

Reinserting deleted data without the required notice. 

Failing to comply with FCRA dispute timelines and procedures. 

These violations have caused me significant harm, including damage to my creditworthiness, denial of financial opportunities, and ongoing emotional distress. I respectfully request that the CFPB require Equifax, TransUnion, and Experian to : Immediately delete all unverifiable, inaccurate, and unauthorized information from my credit files. 

Provide written confirmation of the deletions and corrections within 30 days. 

Cease reinsertion of any disputed items unless verified with lawful, complete documentation. 

Until the credit bureaus comply with their legal obligations, they are knowingly and willfully violating my rights as a consumer.

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