Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I am submitting this complaint because all three credit bureausTransUnion, Experian, and Equifaxhave continued to report inaccurate personal information, unverified negative accounts, and unauthorized inquiries on my credit report despite multiple disputes filed directly with each bureau. These errors are causing serious damage to my creditworthiness and personal credibility. 

XXXX. Inaccurate Personal Information Reported ( Wrong Addresses ) : The following addresses are being reported under my credit file but are not associated with me at any point in time : XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX These addresses are completely unrelated to me and appear to have resulted from mixed files or errors in identity matching. This is a violation of FCRA 1681e ( b ), which requires the bureaus to maintain accurate and complete consumer files. Despite repeated disputes, these addresses have not been removed.

2. Unverified, Inaccurate, or Duplicate Negative Accounts Being Reported : The following accounts are being reported on my credit file without proper verification, some of which may be duplicate entries, unvalidated, or include erroneous late payments and charge-offs : 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 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 XXXX Collection ( no validation received ) Many of these accounts have been previously disputed, and I have not received proper validation as required by FCRA 1681i ( a ) and FCRA 1681s-2 ( b ). Furthermore, multiple entries from XXXX XXXX appear to be duplicate records with different balances, which is misleading and violates FCRA 1681e ( b ). 

XXXX. Unauthorized Hard Inquiries Reported Without My Consent : The following companies performed hard inquiries on my credit file without my authorization or application for credit : 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 XXXXXX/XX/XXXX Under FCRA 604 ( a ), hard inquiries require a permissible purpose and consumer authorization. I never gave consent or applied for credit with these entities. Their actions and the bureaus ' failure to remove these inquiries after dispute are serious FCRA violations.

Steps I Have Taken : I have sent multiple formal dispute letters to TransUnion, Experian, and Equifax concerning these issues. While some minor updates were made, most of the inaccurate and unauthorized data remains. No sufficient proof or documentation has been provided to verify the accounts or inquiries. In some cases, the same errors were reported again across different rounds of disputes.

What would be a fair resolution to this issue?

Immediate deletion of all incorrect addresses Permanent removal of all unverified and duplicate accounts Full deletion of all unauthorized inquiries Written confirmation from all three bureaus confirming corrections Monetary compensation or remediation as allowed under FCRA 1681n and 1681o for negligent or willful noncompliance I am requesting the Consumer Financial Protection Bureau to investigate this matter and ensure the credit bureaus are held accountable for failing to maintain accurate and verifiable records, as required under the law.

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