Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I am filing this complaint against TransUnion, Experian, and Equifax for their failure to correct persistent inaccuracies on my credit reports, despite multiple disputes, in violation of the Fair Credit Reporting Act ( FCRA ). I have repeatedly disputed these inaccuracies with all three credit bureaus over multiple instances, and each time, they have claimed to conduct a proper investigation, verifying and updating my report to the " highest accuracy. '' However, my credit report remains highly inaccurate, with no deletions of the disputed items as required by the FCRA. This ongoing failure to correct these errors is unacceptable and demands immediate action. 

Below are the inaccuracies affecting my credit reports across all three bureaus : Personal Information Inaccuracies : Name : XXXX XXXX XXXX ( TransUnion ) Does not match my legal name, XXXX XXXX. 



Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( TransUnion ) XXXX. 



Address : XXXX XXXX de XXXX XXXX, XXXX XXXX XXXX CA XXXX ( Experian ) Not current. 



Employer : XXXX ( Equifax ) Outdated. 





Account Inaccuracies : XXXX XXXX ( # XXXXXXXX XXXX XXXX XXXX ) ( TransUnion ) Inaccurate open date and last active date. 



XXXX of XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX  ) ( TransUnion ) Incorrect 120 Days Past Due status, balance {$3000.00}. 



XXXX  XXXX ( XXXX ) ( Experian ) Incorrect charged-off status, balance {$580.00}. 



XXXX XXXX XXXX ( XXXX ) ( Experian ) Incorrect 180 Days Past Due status, balance {$34.00}. 



XXXX XXXX XXXX XXXX   ( XXXX ) ( Equifax ) Incorrect charged-off status, balance {$8500.00}. and has passed the statue of limitations of 7 years from the first deliquincy. 



XXXX of XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX  ) delete for years of multiple violations against me according to consumer & fcra law ( Transunion ) I have disputed these items multiple times, citing violations of 15 USC 1681e ( b ) for lack of accuracy, 15 USC 1681s-2 for inaccurate reporting, and 15 USC 1681i ( 5 ) for failing to delete disputed items. Despite their claims of investigation, the bureaus have not corrected or deleted these items, causing significant harm to my financial opportunities, including higher interest rates and difficulties securing housing and employment. 

Requested Resolution : I demand that TransUnion, Experian, and Equifax immediately delete the inaccurate items listed above from my credit reports, as required by the FCRA. Additionally, I request that the CFPB investigate the bureaus failure to comply with federal law and ensure they implement proper procedures to prevent future inaccuracies. 

I have attached copies of my previous dispute letters sent to the bureaus, their responses, and relevant credit report excerpts highlighting the disputed items. Please contact me at XXXX or XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

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