Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting this complaint against Experian, Equifax, and TransUnion for their continued failure to maintain maximum possible accuracy, conduct lawful reinvestigations, and correct or delete inaccurate, misleading, and unverifiable information on my consumer credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

Despite multiple prior disputes and escalations, the credit reporting agencies continue to publish information that is internally contradictory, inconsistent across bureaus, unsupported by competent evidence, and not verified through a reasonable reinvestigation. 

ACCOUNTS IN DISPUTE XXXX  XXXX This auto loan is reported as paid, closed, with a {$0.00} balance and {$0.00} past due, yet still reflects late payment history and inconsistent delinquency counts across bureaus. These data points can not coexist with a reconciled payment history. The bureaus have failed to disclose the method of verification or identify the records relied upon, demonstrating reliance on automated responses rather than an actual review of original payment records. Continued reporting violates FCRA 607 ( b ) and 611 ( a ) and constitutes material misrepresentation. 

XXXX XXXX XXXX XXXX Both XXXX XXXX tradelines contain irreconcilable discrepancies across bureaus, including : Conflicting balances and past-due amounts Contradictory delinquency severity ( ranging from none to dozens of 90-day lates ) Inconsistent high credit and credit limit reporting Multiple, conflicting account status narratives ( charged off, closed due to inactivity, canceled by credit grantor ) These inconsistencies confirm that the accounts are not being reported from a single verified source of truth. No bureau has produced documentary proof such as a complete payment history, charge-off accounting, or contractual liability. Continued reporting without such proof violates FCRA 607 ( b ), 611 ( a ), and 611 ( a ) ( 7 ) and constitutes an unfair and deceptive practice under FTC Act 5. 

XXXX  XXXX XXXX XXXX This account has already been deleted by one bureau, yet continues to be reported by others with late payments, charge-off status, and inconsistent timelines. Selective deletion alone establishes that the information is unverifiable and unreliable. Continued reporting after deletion by a sister bureau, without new materially different evidence, constitutes willful reinsertion and violates FCRA 611 ( a ) ( 5 ). 

XXXX XXXX XXXX This tradeline contains conflicting balances, contradictory delinquency severity, and inconsistent narratives across bureaus, including whether the dispute was resolved and whether the account was charged off. No reasonable reinvestigation has been performed, and no method of verification has been disclosed. Continued reporting violates FCRA 607 ( b ), 611 ( a ), and 611 ( a ) ( 7 ). 

XXXX XXXX XXXX This account is reported with conflicting credit limits, high balances, delinquency history, and charge-off narratives across bureaus. One bureau reports severe delinquency that is not corroborated by the others. These discrepancies demonstrate a failure to follow Metro 2 standards and a lack of lawful verification. 

UNAUTHORIZED / UNVERIFIABLE INQUIRIES XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these inquiries and have not been provided any proof of permissible purpose as required by 15 U.S.C. 1681b. No signed application, written authorization, or transactional justification has been produced. Continued reporting of these inquiries constitutes unlawful access to my consumer report. 

LEGAL VIOLATIONS The conduct described above violates, at minimum : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information 15 U.S.C. 1681i ( a ) ( 7 ) Failure to disclose method of verification 15 U.S.C. 1681b Reporting inquiries without permissible purpose FTC Act 5 Unfair and deceptive practices

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