Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Equifax Information Services LLC for reporting inaccurate and outdated information on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

Despite my repeated attempts to have these inaccuracies corrected, they remain on my credit file, causing ongoing harm to my financial well-being, including denials of credit, increased interest rates, and emotional distress. 
Disputed Address ( Never Resided ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX I have never lived at this address, nor have I ever associated this address with any credit application. Reporting such false address data constitutes a violation under FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
Disputed Accounts XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$25000.00} Issue : Charge Off This account has been reported as a charge-off, which I dispute as inaccurate and misleading. I was not properly notified of this status, and I believe there has been either a misreporting of status or a balance error. 
FCRA Violation : Under FCRA 1681s-2 ( a ), furnishers are required to report accurate information. If an account has been resolved or settled, it must be updated accordingly under FCRA 623. Failure to update or correct this account constitutes willful noncompliance.

XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Balance : {$510.00} Issue : Late Payment This account is inaccurately showing late payment ( s ). I dispute the legitimacy of this delinquency and request a proper investigation. It is possible the payment was processed incorrectly or misapplied. 
FCRA Violation : Failure to investigate and correct a consumers disputed information after being notified is a direct violation of FCRA 1681i ( a ). In addition, if the payment status is reported inaccurately, this violates FCRA 1681e ( b ).

Summary of FCRA Violations by Equifax : 1681e ( b ) Failure to maintain maximum accuracy in reporting 1681i Failure to investigate disputed information within 30 days 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors 1681s-2 ( b ) Failure to correct and update incomplete or inaccurate information after dispute Requested Resolution : 1. Immediate removal of the wrong address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX. Thorough investigation and deletion or correction of the following accounts : o XXXX XXXX XXXX XXXX Charge Off o XXXX  Late Payment 3. Written confirmation from Equifax detailing the outcome of the investigation and actions taken Please treat this complaint with the urgency it demands. I reserve the right to seek legal remedy if my credit profile is not corrected in compliance with federal law. 

Dear CFPB Officer, I am filing this formal complaint against TransUnion, a nationwide consumer reporting agency, for their repeated and negligent failure to maintain accurate, verifiable, and up-to-date information in my credit report. Despite my prior efforts to dispute these errors directly with TransUnion, they have failed to take corrective action, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. Inaccurate Addresses ( Violation of FCRA 1681e ( b ) ) : The following addresses are being reported on my TransUnion credit file. I have never resided at these locations, and their presence on my report suggests potential file mixing or identity confusion : XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address According to FCRA Section 1681e ( b ), credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy. '' These addresses are demonstrably inaccurate and were not authorized by me at any point. 
2. Inaccurately Reported Accounts : A. XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$510.00} Date Opened : XX/XX/XXXXXXXX  Issue : This account reflects late payments, which are inaccurately reported. I have never received any billing statements or formal notice from this furnisher. No validation was provided when I requested it. 
Violations : o FCRA 1681s-2 ( b ) Furnishers must promptly correct or delete inaccurate information after a consumer dispute.

o FCRA 1681i ( a ) Credit bureaus must reinvestigate disputed information within 30 days.

XXXX XXXX XXXX XXXXXXXX Account # : XXXX  High Balance : {$160.00} Date Opened : XX/XX/XXXXXXXX  Issue : This is a collection account I do not recognize. I never received a debt validation notice or any original documentation regarding this alleged debt. The account is unverifiable, and thus its reporting is unlawful. 
Violations : o FDCPA 809 ( b ) Failure to validate the debt upon written request.

o FCRA 1681e ( b ) Failure to ensure accurate reporting.

o FCRA 1681i ( a ) Failure to conduct a proper reinvestigation. 
Legal Grounds Cited :

FCRA 1681e ( b ) Requires credit reporting agencies to assure maximum possible accuracy.

FCRA 1681i ( a ) Requires reinvestigation of disputed items within 30 days.

FCRA 1681s-2 ( b ) Requires furnishers of information to correct or delete inaccuracies after notice.

FDCPA 809 ( b ) Requires debt collectors to cease collection until the debt is validated. 
Requested Action : I am requesting the Consumer Financial Protection Bureau to : 1. Investigate TransUnion for their violations of federal law in handling my disputes.

2. Instruct TransUnion to : o Permanently remove the inaccurate addresses listed above. 
o Immediately delete or correct the above-mentioned accounts unless they can be fully validated and verified under law. 
Failure to act on this complaint may result in further legal action and a formal complaint with the FTC or civil litigation under the FCRA and FDCPA.

To Whom It May Concern, I am filing this formal complaint against Experian for willfully and negligently reporting inaccurate, outdated, and unverifiable information on my credit report in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Despite multiple attempts to resolve these issues directly with Experian, the bureau has continued to maintain and report inaccurate information, which has caused me significant emotional distress, loss of financial opportunities, and damage to my personal and financial reputation. 
Inaccurate Addresses Being Reported : Experian has listed addresses on my credit report where I have never lived, never received mail, and have no known association with. These addresses are : XXXX XXXX XXXX  CA XXXX Wrong Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX Address These entries violate FCRA Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Maintaining and verifying false addresses without my consent is also a direct violation of FCRA Section 602 ( a ) protection of consumer privacy. 
Disputed Accounts with Issues : 1. XXXXXXXX XXXX XXXX XXXX  o Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX o High Balance : {$25000.00} o Issue : Charge Off o FCRA Violation : This account is being reported inaccurately as a charge-off without proper investigation or validation. As per FCRA Section 611, I have a right to dispute any item and expect it to be verified with credible documentation within 30 days. If the furnisher can not verify, the item must be deleted. I have not received such validation, yet the derogatory status remains. 
XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Date Opened : XX/XX/XXXXXXXX  o High Balance : {$510.00} o Issue : Late Payment o FCRA Violation : This account has been marked late despite me having documentation supporting on-time payments. Reporting unverifiable or misrepresented derogatory marks is a breach of FCRA Section 607 ( b ) and Section 611. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  o Date Opened : XX/XX/XXXXXXXX  o High Balance : {$500.00} o Issue : Collection Account o FCRA Violation : I have no knowledge of this account and never received any billing or contact regarding this alleged debt. This is likely a case of mistaken identity or mixed file. Reporting this collection without verifying my identity and the origin of the debt is a violation of FCRA Section 602 ( b ) and Section 609 ( a ) ( 1 ). 
Legal Violations Summary : Experian has violated the following provisions of the Fair Credit Reporting Act ( FCRA ) : Section 602 ( a ) : Inaccurate and outdated information undermines the reliability of the credit reporting system.
Section 607 ( b ) : Failure to ensure maximum possible accuracy in reporting.

Section 611 : Failure to respond to and properly investigate consumer disputes within 30 days.

Section 609 ( a ) ( 1 ) : Failure to provide original source and verification of disputed accounts upon request. 
Relief Requested : I am requesting the CFPB to take immediate action to compel Experian to : 1. Delete all inaccurate addresses listed above from my credit file.
2. Conduct a full reinvestigation and remove the above-listed accounts if they can not be verified with proper documentation.

3. Provide me with written confirmation once these actions have been completed.

4. Hold Experian accountable for willful non-compliance with the FCRA. 
Final Statement : I have suffered emotional and financial harm due to Experians negligence. These incorrect items are affecting my ability to secure employment, obtain credit, and maintain peace of mind. I am asserting my rights under the FCRA and requesting the CFPB to assist in resolving these issues.

Thank you for your assistance and time in reviewing this complaint. Supporting documents can be provided upon request.

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