Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I am writing to dispute multiple inaccuracies on my credit reports dated XX/XX/XXXX, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The inaccuracies listed below violate the FCRAs requirement for accurate and complete reporting ( 15 U.S.C. 1681e ( b ) ) and the obligation to investigate and correct inaccurate information ( 15 U.S.C. 1681i ). I demand immediate investigation, correction, and removal of the erroneous items, as well as statutory damages of {$1000.00} per violation for willful noncompliance under 15 U.S.C. 1681n.

Disputed Items and FCRA Violations : 1. Inconsistent Name and Alias Reporting ( All Bureaus ) o Issue : TransUnion and Experian report my name as XXXX XXXX, while Equifax reports XXXX XXXX XXXX. 
TransUnion lists aliases XXXX, XXXX, XXXX and XXXX XXXX ; Experian lists XXXX XXXX and XXXX XXXX ; Equifax lists no aliases but includes former names XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My legal name is XXXX XXXX XXXX, and I have never used XXXX XXXX or XXXX XXXX. 
o FCRA Violation : Inaccurate and inconsistent name/alias reporting violates 15 U.S.C. 1681e ( b ), risking misidentification and impacting creditworthiness. 
o Action Requested : Correct my name to XXXX XXXX XXXX across all bureaus and remove unverified aliases ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
o Statutory Damages : {$1000.00} per bureau ( TransUnion, Experian, Equifax ) for willful noncompliance, totaling {$3000.00}.

2. Inconsistent Address Reporting ( All Bureaus ) o Issue : Experian lists previous addresses XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX, which are inconsistent or incorrect. TransUnion and Equifax report XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX, and Equifax adds XXXX XXXX XXXX, XXXX, NY XXXX, which is misspelled and duplicates my current address. 
o FCRA Violation : Inaccurate and inconsistent address reporting violates 15 U.S.C. 1681e ( b ), potentially causing identity confusion. 
o Action Requested : Remove unverified addresses ( XXXX, NY and misspelled XXXX XXXX ) and standardize to XXXXXXXX XXXX XXXX XXXX, XXXX, VA XXXX as a previous address across all bureaus. 
o Statutory Damages : {$1000.00} per bureau ( TransUnion, Experian, Equifax ) for willful noncompliance, totaling {$3000.00}.

3. Discrepancy in XXXX Account ( Account # ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX o Issue : High credit is reported as {$530.00} by TransUnion and Experian, but {$0.00} by Equifax. 
o FCRA Violation : Inconsistent account information violates 15 U.S.C.

1681e ( b ), potentially affecting credit scoring.

o Action Requested : Correct Equifaxs high credit to {$530.00} to match TransUnion and Experian. 
o Statutory Damages : {$1000.00} for willful noncompliance by Equifax.

4. Discrepancy in XXXX Account ( Account # ending in XXXXXXXX XXXX XXXX  ) * * o Issue : High credit is reported as {$540.00} by TransUnion and Experian, but {$0.00} by Equifax. 
o FCRA Violation : Inconsistent account information violates 15 U.S.C.

1681e ( b ).

o Action Requested : Correct Equifaxs high credit to {$540.00} to match TransUnion and Experian. 
o Statutory Damages : {$1000.00} for willful noncompliance by Equifax.

5. Discrepancy in XXXX XXXX Account ( Account # ending in XXXXXXXX XXXX XXXX  ) * * o Issue : Balance is reported as {$200.00} by TransUnion, but {$370.00} by Experian and Equifax. 
Monthly payment is {$35.00} on TransUnion, but {$48.00} on Experian and Equifax. 
High credit is {$480.00} on TransUnion and Experian, but {$0.00} on Equifax. 
o FCRA Violation : Inconsistent account information violates 15 U.S.C.

1681e ( b ).

o Action Requested : Investigate and correct the balance, monthly payment, and high credit to reflect accurate and consistent information across all bureaus.

o Statutory Damages : {$1000.00} per bureau ( TransUnion, Experian, Equifax ) for willful noncompliance, totaling {$3000.00}.

6. Discrepancy in XXXX XXXX Account ( Account # ending in XXXX XXXX XXXX XXXX XXXX XXXX  o Issue : Account status is reported as Derogatory with Collection/Chargeoff by TransUnion and Equifax, but Paid with Collection/Chargeoff by Experian. 
High credit is {$42000.00} on TransUnion and Experian, but {$820.00} on Equifax. 
Last reported dates vary : TransUnion ( XX/XX/XXXX ), Experian/Equifax ( XX/XX/XXXX ). 
o FCRA Violation : Inconsistent and inaccurate account status and high credit violate 15 U.S.C. 1681e ( b ). The Derogatory status on TransUnion and Equifax is disputed as the account was paid, as noted by Experian.

o Action Requested : Correct status to Paid on TransUnion and Equifax, standardize high credit to {$42000.00} across all bureaus, and update last reported dates.

o Statutory Damages : {$1000.00} per bureau ( TransUnion, Equifax ) for willful noncompliance, totaling {$2000.00}. 
7. Unauthorized Inquiries o Issue : The following inquiries lack proof of permissible purpose : XXXX XXXX ( TransUnion, XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX ( Experian, XX/XX/XXXX ) XXXX XXXX ( Experian, XX/XX/XXXX ) XXXX XXXX ( TransUnion, XX/XX/XXXX ) XXXX ( TransUnion, XX/XX/XXXX ) XXXX ( TransUnion, XX/XX/XXXX ) XXXX ( TransUnion, XX/XX/XXXX ) XXXX ( Experian, XX/XX/XXXX ) o FCRA Violation : Inquiries without permissible purpose violate XXXX5 U.S.C. 1681b. I did not initiate these inquiries, nor do I have an existing relationship with these entities.

o Action Requested : Remove these inquiries and provide proof of permissible purpose for each.

o Statutory Damages : {$1000.00} per inquiry ( 8 inquiries ), totaling {$8000.00}. 
Total Statutory Damages Demanded : {$18000.00} ( {$1000.00} per violation across 18 violations ).

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