Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against TransUnion LLC for the continued inaccurate reporting of multiple items on my credit report, which are in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and CFPB regulatory standards.

Despite prior attempts to resolve these issues through disputes, TransUnion has failed to investigate or correct the following items, thereby causing ongoing harm to my credit reputation, financial opportunities, and mental health.

1. Incorrect Address Reporting XXXX XXXX XXXX, XXXX, TN XXXX Wrong Address This address has been fraudulently or erroneously associated with my profile. I have never resided at or used this address. Under FCRA 15 U.S. Code 1681e ( b ), TransUnion has an obligation to maintain maximum possible accuracy of information.

TransUnion failed to verify this address before including it in my file and has ignored my previous dispute. This is a violation of FCRA 1681i ( a ) failure to conduct a reasonable reinvestigation after a dispute.

2. Inaccurate Account Reporting a. XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX High Balance : {$60.00} Date Opened : XX/XX/XXXX Issue : Late Payment This account was reported with a late payment that is not accurate. I have no record of late payment with this creditor, and I request full documentation. TransUnion has failed to verify this account under its legal duty.

Violations : FCRA 1681s-2 ( a ) Furnishers must report accurate information.

FCRA 1681i ( a ) ( 1 ) ( A ) CRA must conduct a proper reinvestigation. 
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX High Balance : {$750.00} Date Opened : XX/XX/XXXX Issue : Charge Off This charge-off was reported without sufficient supporting documentation and without verifying the legitimacy of the debt. Additionally, I believe this account was settled/payed previously or does not belong to me. 
Violations : FCRA 1681e ( b ) Failure to ensure accuracy.

FCRA 1681i ( a ) Failure to reinvestigate upon dispute.

FDCPA 807 ( 8 ) Misleading credit reporting tactics.

3. Unauthorized or Harmful Inquiry XXXX Date of Inquiry : XX/XX/XXXX Issue : Hard Inquiry Without Authorization This inquiry was made without my consent and negatively impacted my credit score. Under FCRA 604 ( a ), consumer reporting agencies may only furnish a consumer report when permissible purpose exists.

Violation : FCRA 604 ( a ) ( 3 ) No permissible purpose or documented authorization.

4. Inaccurate Bankruptcy Reporting Bankruptcy Reference XXXX XXXXXXXX Court : U.S. Bankruptcy Court This bankruptcy is being reported inaccurately and/or remains after discharge. If the debts were discharged, this must be reflected in all related accounts.

Violation : FCRA 1681c ( a ) ( 1 ) Bankruptcy should not be reported longer than 10 years.

FCRA 1681e ( b ) Must report accurate and up-to-date public records.

Relief Requested I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate TransUnions repeated noncompliance with federal laws. I request : 1. Immediate deletion of the incorrect address : XXXX XXXX XXXX, XXXX, TN XXXX XXXX. Reinvestigation and correction/removal of all disputed accounts : XXXX XXXX XXXX XXXX Late Payment o XXXX XXXX XXXX XXXX Charge Off o BRCLYSBANKDE Unauthorized Inquiry o Bankruptcy Reference XXXX XXXXXXXX Verify accuracy & status 3. Documentation proving investigations were conducted 4. Full compliance with FCRA, FDCPA, and CFPB regulations Additional Notes : I have open complaints pending and/or am in the process of submitting supporting evidence to the FTC and other relevant agencies. I urge CFPB to take immediate regulatory action against TransUnion for these gross violations.

I am filing this complaint against Experian for their failure to conduct a proper reinvestigation of multiple disputed items on my credit report. Despite several formal disputes, Experian has continued to report inaccurate and harmful information that does not belong to me or is being reported incorrectly, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
Incorrect Address : XXXX XXXX XXXX, XXXX, TN XXXX This address does not belong to me and is being inaccurately reported on my credit file. This is a violation of FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ], which entitles me to a credit file that contains only accurate and verifiable personal identifying information. Experians failure to remove this despite notification is negligent. 
Disputed Accounts : XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$60.00} Date Opened : XX/XX/XXXX Issue : This account shows a late payment which I dispute as inaccurate. I have never missed a payment with XXXX. This is causing unnecessary damage to my score. 
FCRA Violations : o FCRA 611 ( a ) ( 1 ) ( A ) Failure to properly investigate disputed information.

o FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$750.00} Date Opened : XX/XX/XXXX Issue : This account is listed as a charge-off, but I was never notified properly, and this is inaccurately affecting my credit profile. 
FCRA Violations : o FCRA 623 ( a ) ( 5 ) Furnishers must notify consumer reporting agencies of the accurate date of first delinquency.

o FCRA 611 ( a ) Right to dispute inaccurate information and have it properly reinvestigated. 
XXXX. XXXX XXXX XXXX XXXX XXXX ( Duplicate/Separate Entry ) Account XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Issue : This shows late payments, and it appears to be a duplicate or inaccurately reported additional account. This raises questions of duplicate reporting or data integrity issues. 
FCRA Violations : o FCRA 607 ( b ) Reasonable procedures to assure accuracy o FCRA 611 ( a ) Duty to reinvestigate disputed information 4. XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$360.00} Date Opened : XX/XX/XXXX Issue : This account is listed as a charge-off. I have requested validation of this debt and received no proof. This listing is damaging my creditworthiness. 
FCRA Violations : o FCRA 611 ( a ) Failure to respond to a consumers dispute o FCRA 609 ( a ) ( 1 ) Right to know the sources of information XXXX. Bankruptcy Reference XXXX XXXXXXXX Court : XXXX.S. Bankruptcy Court Issue : This bankruptcy has been verified as discharged and should not be appearing as active or open in any form. Misreporting this status is seriously harming my ability to get credit.

FCRA Violations : o FCRA 607 ( b ) Reporting outdated/inaccurate public records o FCRA 611 ( a ) Failure to update inaccurate public record entries Statement of Harm : Because of these ongoing reporting issues, I have been denied credit, offered higher interest rates, and suffered emotional distress. Despite my prior attempts to work directly with Experian, these inaccuracies remain, which proves their failure to fulfill their legal responsibilities under the FCRA.

What I Am Requesting : I am requesting that the CFPB require Experian to : Immediately remove the inaccurate address from my credit report Properly investigate and delete or correct all inaccurate accounts listed above Provide me a written notice of the results of each reinvestigation Penalize Experian if it is found they violated any provisions under the FCRA Applicable Legal Citations : FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of disputed information FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Reasonable procedures to ensure maximum possible accuracy FCRA 609 ( 15 U.S.C. 1681g ) Disclosure of file to consumer FCRA 623 ( 15 U.S.C. 1681s-2 ) Responsibilities of furnishers of information To Whom It May Concern, I am filing this formal complaint against Equifax for multiple and ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Equifax has failed to maintain accurate information regarding both my personal identity and credit accounts despite repeated disputes. 
My credit report currently contains inaccurate, outdated, and unverifiable information. These inaccuracies are not only misleading, but they are also causing me severe harm in securing financial products and services. I demand a full investigation and rectification of the following issues : Incorrect Address Reported : XXXX XXXX XXXX, XXXX, TN XXXX I have no connection to this address, have never resided there, and have repeatedly disputed it. This address is being falsely associated with me, which may indicate a serious data integrity issue or possible identity confusion. FCRA Violation : 1681e ( b ) Failure to ensure maximum possible accuracy of consumer information.

Applicable Legal Grounds ( Summary ) : 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

1681i : When a consumer disputes information, the CRA must conduct a reasonable reinvestigation.

1681s-2 ( b ) : Information furnishers are required to investigate and correct inaccurate reports.

1681c-2 : Prohibits reporting obsolete and unverifiable negative information.

1681g : Consumer has a right to know what is being reported and by whom.

Impact Statement : Due to these errors and Equifax 's failure to correct them even after formal dispute letters, I have suffered the following : Credit application denials Increased interest rates on loans Severe emotional and financial stress Despite my best efforts to resolve these disputes directly with Equifax, they continue to report inaccurate and unverifiable data, in violation of the FCRA.

Relief Requested : 1. Immediate removal of the incorrect address : XXXX XXXX XXXX, XXXX, TN XXXX XXXX. Deletion or correction of all inaccurate account information listed above. 
3. A full reinvestigation conducted in accordance with FCRA guidelines.

4. Written confirmation that these items have been removed or corrected.

5. Regulatory penalties and oversight on Equifax for violating federal law.

I request immediate action
by the Consumer Financial Protection Bureau to enforce my rights under the Fair Credit Reporting Act. Equifaxs continued failure to maintain accurate information represents a systemic breach of consumer trust.

Company response to consumer: Closed with non-monetary relief