Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am submitting this complaint because Equifax, Experian, and TransUnion are reporting multiple inaccurate, inconsistent, unverifiable, and nonMetro-2-compliant items on my credit files, despite multiple disputes. These errors continue to harm my creditworthiness, violate my rights under the Fair Credit Reporting Act ( FCRA ), and have not been corrected or properly investigated. 

XXXX. Personal Information Reporting Violations All three bureaus are reporting an incorrect address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX This address is not associated with me, is not deliverable, and I never lived there. This violates : FCRA 602 ( A ) duty to assure accuracy FCRA 607 ( B ) reasonable procedures FCRA 611 reinvestigation duties This incorrect address has resulted in inquiries and accounts being linked to me that do not belong to me. 

I have repeatedly requested its deletion, and the bureaus failed to validate it with documented proof tied to my identity. 

XXXX. Unverified and Potentially Unauthorized Hard Inquiries I never authorized several inquiries, including : XXXX XX/XX/year> ( Equifax report ) No permissible purpose has been provided. 
This violates : FCRA 604 ( a ) permissible purpose FCRA 607 ( a ) duty to confirm purpose FCRA 611 unverifiable information must be deleted The bureaus have failed to provide any signed application or proof tying these inquiries to me. 

XXXX. Accounts Reported With Contradictory, Incomplete, and Unverifiable Data Below are the accounts causing significant harm. Across the XXXX bureaus, the following issues occur : Conflicting dates of last payment Conflicting dates of first delinquency Different charge-off timelines Missing Metro-2 required fields Inconsistent payment histories Missing account type fields Different statuses for the same account Unverifiable data fields Under FCRA 602 ( A ), 607 ( B ), 611, and 623 ( A ) ( 1 ) ( A ) these accounts must not be reported unless accurate and fully verifiable. 

A. XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, Experian, and TransUnion all report different and conflicting data, including : Different dates of last payment Different last active dates Different late-stage sequences ( XXXX, XXXX, etc. ) Different charge-off months Different credit limits Mismatches in XXXX payment history Examples from the files : These contradictions make the accounts unverifiable under FCRA 1681i, and they must be deleted. 

XXXX XXXX XXXX Multiple Accounts Accounts : XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) * * Across bureaus, they reflect : Conflicting high credit amounts Different delinquency sequences Different dates of last activity Different dates of last payment Contradictory charge-off timelines Missing Metro-2 fields Examples from the files : These accounts can not be verified with 100 % accuracy, and federal law requires their deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is severely non-compliant and legally unverifiable. Issues include : Missing account number in some bureaus Missing required Metro-2 fields No documented Date of First Delinquency No consistent Date of Last Activity Contradictory statuses Missing payment history Completely missing data fields in some reports Examples from the files : This is a textbook FCRA violation requiring removal. 

XXXX XXXX XXXX XXXX XXXX Conflicting and unverifiable reporting across bureaus : Missing Metro-2 fields Different Date Last Active Missing payment history Inconsistent status comments Examples from the files : This account is legally unverifiable. 

XXXX. Harm Caused Due to these inaccurate items, I have suffered : Denial of credit Higher interest rates Damage to my credit score Emotional distress Loss of financial opportunities Difficulty securing housing and credit approvals The bureaus refusal to correct or properly investigate the errors has caused ongoing injury. 

XXXX. My Requested CFPB Resolution I am requesting the CFPB to require the credit bureaus to : Delete the incorrect address ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) from all three credit files. 

Delete all unauthorized or unverified inquiries, including XXXX. 

Delete all unverifiable accounts, including : TRUIST ( both accounts ) EMPEOPLE CU ( all accounts ) XXXX XXXX XXXX XXXX XXXX  Provide a complete re-investigation, compliant with : FCRA 602 ( A ) FCRA 607 ( B ) FCRA 611 FCRA 623 ( A ) & 623 ( B ) Metro-2 CRRG standards Provide me with : Updated corrected credit files Documentation validating each account with my signature Documentation proving Metro-2 compliant reporting 6. Summary The bureaus are reporting knowingly inconsistent, inaccurate, incomplete, and unverifiable information, in violation of multiple FCRA provisions. I am requesting the CFPBs assistance in ensuring the disputed items are permanently deleted, and my consumer rights are enforced.

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