Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this follow-up complaint because Experian, Equifax, and TransUnion continue to report inaccurate, misleading, and unverifiable information on my credit files despite my previous disputes. These errors remain on my reports in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
The bureaus are still showing addresses that are not accurate identifiers of me. Under FCRA 609 ( a ) ( 1 ), I have the right to know what personal information is being reported, and under 611 ( a ) ( 1 ) ( A ) and 607 ( b ), consumer reporting agencies must maintain maximum possible accuracy and delete unverifiable information. However, Experian continues to list XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Equifax continues to list XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. TransUnion continues to list XXXX XXXX XXXX, XXXX XXXXXXXX as a current address and XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My correct and current address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, yet these inaccurate addresses remain. 
Accounts are also being reported incorrectly. For example, XXXX XXXX shows a {$0.00} balance and Current status, but is still being reported with late payments in XXXX, XXXX, and XXXX. This is inconsistent across bureaus and inaccurate. Under FCRA 611 and 623 ( a ) ( 2 ), furnishers and CRAs must ensure correct reporting, but these false late notations remain. 
Several charge-off accounts are still listed inaccurately. XXXX  XXXX ( {$290.00} ) and XXXX XXXX ( {$0.00} ) appear across the bureaus as charge-offs even though they are unverifiable. Equifax also continues to report XXXX XXXX XXXX ( {$810.00} ) as a charge-off. Since this balance is above {$600.00}, IRS regulations require a Form XXXX if the debt was truly canceled. No such form has been issued. Reporting these items as charge-offs without proof of cancellation or collection is misleading and damaging. Under FCRA 605B, items resulting from identity theft must be blocked, and under 607 ( b ) and 611, only accurate and verifiable accounts may be reported. 
XXXX accounts also remain inaccurate. XXXX XXXX ( {$1200.00} ) and XXXX XXXXXXXX ( {$850.00} ) are unverifiable. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from knowingly reporting false information, yet these collections are still on my reports.

Finally, multiple unauthorized inquiries continue to appear. Under FCRA 604 ( a ) ( 3 ), inquiries require valid consent or permissible purpose, 609 ( a ) ( 1 ) gives me the right to know who accessed my file, and 611 requires unverifiable inquiries to be removed. Yet Experian still reports 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 XXXXXXXX. TransUnion continues to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, among others. These inquiries lack permissible purpose and must be deleted.

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