Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against Equifax Information Services LLC for serious and repeated violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C 1681, due to their failure to maintain accurate credit reporting data and failure to reasonably investigate disputed information. Equifax continues to report false and harmful information about me, which I have previously disputed without proper correction or verification. 
Summary of the Dispute : XXXX. Wrong Address Reported XXXX XXXX XXXX XXXX, NC XXXX This address is not affiliated with me in any capacity and is completely inaccurate. The continued presence of this address raises serious concerns of mixed file reporting or potential identity confusion. Applicable Law Violated : FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

Inaccurate or Harmful Accounts Reported : XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Issue : Equifax is reporting this account as charged off, despite a {$0.00} balance, which is logically and factually inconsistent. This misleading entry damages my credit standing. Applicable Law Violated : FCRA 1681e ( b ) Reporting inaccurate information.

FCRA 1681i ( a ) Failure to conduct proper reinvestigation upon dispute XXXX. XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$34000.00} Date Opened : XX/XX/XXXX Issue : The account shows late payments that are inaccurate. These reported delinquencies have never been validated nor properly verified by Equifax during my previous disputes. Applicable Law Violated : FCRA 1681s-2 ( b ) Furnishers ' duty to investigate and correct errors. 
FCRA 1681i ( a ) Equifaxs failure to reasonably investigate the dispute. 
XXXX. XXXX XXXX Account # XXXXXXXX XXXX  High Balance : {$22000.00} Date Opened : XX/XX/XXXX Issue : This account is being reported as charged off, which is incorrect and unverified. I have disputed this entry multiple times, but Equifax continues to report it without proper reinvestigation. Applicable Law Violated : FCRA 1681i ( a ) Failure to investigate disputed information.

FCRA 1681e ( b ) Inaccurate reporting due to lack of procedures ensuring data accuracy. 
Pattern of Noncompliance : Equifaxs repeated failure to correct the above-mentioned errors despite formal disputes indicates willful or negligent noncompliance with the Fair Credit Reporting Act. The continuation of these inaccuracies constitutes reckless disregard for consumer rights and has caused significant harm to my credit profile, financial standing, and mental well-being. 
Resolution Sought : I respectfully request that the CFPB : 1. Investigate Equifaxs reporting practices regarding these accounts and personal information.

2. Require the deletion of the incorrect address and removal or correction of the disputed accounts.

3. Ensure compliance with the FCRA and require Equifax to maintain only verified and accurate credit reporting data.

4. Impose penalties on Equifax for failure to comply with federal law and for its negligent handling of consumer disputes. 
Please consider this a formal complaint and take appropriate regulatory action. I am attaching a copy of my ID and any relevant dispute documentation I previously submitted to Equifax, if required. 

I am writing to file a formal complaint against Experian for multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ) as outlined in XXXX U.S.C. XXXX. My Experian credit report contains inaccurate personal identifying information, unverified and outdated late payment notations, and erroneous account history reporting that have severely impacted my XXXX XXXX and caused emotional and financial harm. 
XXXX. Inaccurate Personal Information Reported ( Wrong Addresses ) Experian is currently reporting addresses on my credit file which are factually incorrect and never associated with me, in violation of FCRA XXXX and XXXX ( b ). 
Wrong Addresses Listed on My Experian Report : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX addresses do not belong to me, nor have I ever resided or conducted any financial activities at these locations. The presence of these addresses creates serious identity confusion and reflects gross negligence in maintaining accurate consumer information under FCRA 607 ( b ).

2. Inaccurate and Unverified Account Reporting XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$800.00} Issue : Late Payment This account is inaccurately reporting late payments which I dispute. I requested verification of the payment history under FCRA 611, but Experian failed to complete a reasonable investigation or provide documentation proving the accuracy of the reporting. Reporting such derogatory information without full verification violates FCRA 623 ( b ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$34000.00} Issue : Late Payment This account contains disputed late payment remarks that are either inaccurate or incomplete. I formally requested Experian to validate this information under my FCRA rights, yet they continued to report this negative information without providing sufficient proof or investigation, thereby violating FCRA 611 and 623 ( a ) ( 3 ).

3. Legal Violations Cited : FCRA 602 ( a ) : Right to fair and accurate reporting FCRA 607 ( b ) : Duty to maintain maximum possible accuracy FCRA 611 : Right to dispute and reinvestigation FCRA 623 ( a ) ( 3 ) : Furnisher must report accurate and updated info FCRA 623 ( b ) : Duty of furnisher to investigate disputes 4. Relief Requested : I respectfully request the Consumer Financial Protection Bureau to : Immediately investigate Experians failure to maintain accurate consumer records Require deletion of all wrong addresses listed above Require verification or deletion of late payment notations on XXXX XXXX and XXXX XXXX  accounts Impose penalties or corrective measures for noncompliance with FCRA guidelines Provide written confirmation of all actions taken Thank you for your time and assistance in helping ensure the integrity of the credit reporting system. 

Dear CFPB Representative, I am submitting this formal complaint against TransUnion, LLC for their failure to correct multiple and repeated errors on my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Despite my attempts to address these inaccuracies with TransUnion directly, they continue to report false and damaging information, including incorrect addresses and erroneous account information that severely impact my creditworthiness and financial standing.

Incorrect Addresses Being Reported The following addresses are inaccurately listed on my TransUnion credit file. I have never lived at, used, or been affiliated with these addresses in any capacity : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX These address entries are false and potentially result from mixed file errors or identity confusion, which TransUnion has a legal obligation to investigate and correct under : FCRA 607 ( b ) A consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy. FCRA 611 ( a ) Upon notification of a dispute, the CRA must conduct a reasonable investigation and delete or correct inaccurate or unverifiable information within 30 days.

Despite submitting disputes, these addresses remain on my report, which has affected my credit score, triggered unnecessary fraud alerts, and caused me emotional and financial distress. 
Inaccurate and Harmful Account Reporting XXXXXXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$34000.00} Issue : Late Payments inaccurately reported This account is reporting late payments that are either incorrect or improperly verified. These derogatory marks are significantly impacting my credit profile. TransUnion has failed to properly investigate or provide supporting documentation from the furnisher, violating : FCRA 611 ( a ) ( 1 ) ( A ) CRA must conduct a reasonable investigation. FCRA 623 ( a ) ( 5 ) Furnishers must notify the CRA of the month and year of first delinquency, which must be accurately reflected. 
XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$22000.00} Issue : Charge Off This account has been listed as charged off. However, I dispute the balance and its charge-off status. I was not given appropriate notice and dispute rights under FCRA guidelines. The lack of a proper dispute resolution or verification from the original creditor also violates my rights under : FCRA 611 ( a ) Right to dispute inaccurate information. FCRA 623 ( b ) Information furnishers must conduct an investigation when notified by a CRA of a dispute.

Summary of Requested Action I am requesting that the CFPB initiate an investigation into TransUnions persistent non-compliance with the FCRA, including but not limited to : 1. Immediate deletion of the false addresses listed above. 
2. A full reinvestigation of the XXXX XXXX and XXXX XXXX accounts, including validation of all derogatory data. 
XXXX. Written confirmation from TransUnion of all changes made to my report. 
4. Sanctions or oversight measures, if necessary, to prevent future reporting errors.

This ongoing situation has caused me financial loss, denial of credit, and emotional stress. I am requesting urgent attention and relief as provided under the law. 
Thank you for your assistance in holding TransUnion accountable.

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