Consumer complaint received 2026-01-29 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: NC

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate, inconsistent, and unverifiable information that Equifax , Experian, and TransUnion continue to report on my consumer credit files despite prior disputes. 

Each bureau is reporting materially different data for the same accounts and personal identifiers. These discrepancies demonstrate a failure to follow the reasonable procedures required under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy, completeness, and verifiability. 

The continued reporting of conflicting information has caused ongoing financial harm, credit denial risk, and reputational injury. 

Personal Information Being Disputed The following personal identifiers are inaccurately reported and do not belong to me or are obsolete : Incorrect names ( including variations such as XXXX XXXX XXXX, XXXX XXXX XXXX ) Incorrect or non-deliverable former addresses Inaccurate employer listings Inconsistent personal identifiers across bureaus My only correct and current identifying information is : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX The continued reporting of incorrect identifiers creates a risk of mixed files and identity-related inaccuracies and violates FCRA accuracy requirements. 
( See bureau records reflected across Equifax , Experian, and TransUnion files ) Accounts and Tradelines Being Disputed ( All Bureaus ) The following accounts are being reported with material inconsistencies across the three credit bureaus, including but not limited to differing balances, dates opened, payment histories, account status, and last activity dates : XXXX XXXX XXXX XXXX  ending XXXX XXXX XXXX XXXX Account ending XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX Across the bureaus, these accounts show : Conflicting dates opened Conflicting high credit / credit limit amounts Conflicting payment histories and delinquency timelines Conflicting account status ( paid vs. charged-off ) Conflicting last reported and last active dates These inconsistencies make the data inherently unverifiable and therefore unreportable under FCRA 1681e ( b ) and 1681i. 
( Documentation demonstrating these inconsistencies is reflected in the bureau disclosures ) Basis of Complaint The credit bureaus have failed to : Maintain reasonable procedures to ensure maximum possible accuracy Ensure that disputed data is complete, consistent, and verifiable Correct or delete information that can not be substantiated uniformly across furnishers Prevent continued reporting of contradictory XXXX XXXX data fields When the same account is reported differently by each bureau, the information can not be verified as accurate by definition. 

Harm Caused Damage to my credit profile and financial reputation Increased risk of credit denial and higher borrowing costs Emotional distress and time burden caused by repeated disputes Ongoing reporting of data that can not be relied upon by lenders

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