Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I am writing to formally dispute and request deletion of multiple inaccurate entries on my credit report maintained by TransUnion. These entries are causing significant and unjust damage to my creditworthiness and appear to violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Despite previous dispute efforts, these errors remain unresolved. I request immediate reinvestigation and correction pursuant to FCRA 1681i and FCRA 1681s-2. Below are the disputed items : Incorrect Address Reporting : XXXX XXXX XXXX XXXX XXXX, NY XXXX Issue : I have never resided at this address. This is a case of mistaken identity or a file merge error. Including inaccurate address information can lead to the wrongful association of accounts that do not belong to me. 
Violation : Reporting an address not associated with the consumer is a violation of FCRA 1681e ( b ) failure to maintain maximum possible accuracy.

Requested Action : Permanently delete this address from my credit profile. 
Account Disputes : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00} Date Opened : XX/XX/XXXXXXXX  Issue : This account is reporting late payments that I do not recognize. I was facing documented financial hardship during this period due to employment instability and communicated with the creditor regarding forbearance or modification options. 
Violation : The account lacks accurate payment reporting and is misleading under FCRA 1681s-2 ( a ) ( 1 ) ( A ). I have not received full validation of these alleged delinquencies.

Requested Action : I request a thorough reinvestigation and deletion or correction of any inaccurate late payment notations. 
XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} Date Opened : XX/XX/XXXXXXXX  Issue : This account is linked to the wrong address ( XXXX XXXX XXXX XXXX, which is not my residence. This creates a misleading credit file and may cause issues with lenders verifying my identity and residence history. 
Violation : Associating an account with an inaccurate address violates FCRA 1681e ( b ).

Requested Action : Immediately correct the address linked to this account and verify its association with my true identity. 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX  Status : Charge Off Issue : This account was charged off despite having a XXXX balance. This is contradictory and misleading reporting. I have never received a validation letter or proof of charge-off and dispute the legitimacy of this status. 
Violation : Failure to provide supporting documentation of the charge-off and reporting it inaccurately violates FCRA 1681i ( a ) ( 1 ) ( A ) and FCRA 1681s-2 ( b ).

Requested Action : Remove the charge-off notation or delete the account entirely if it can not be validated properly. 
Legal Summary : FCRA 1681e ( b ) : Furnishers and CRAs must ensure information is complete and accurate.

FCRA 1681i : Requires reasonable reinvestigation upon dispute by the consumer.


FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Information providers must not furnish data they know or have reasonable cause to believe is inaccurate.

FCRA 1681g : The consumer has the right to full disclosure of what is being reported and the sources of the information.

Supporting Documentation : Final Request : I respectfully request TransUnion to complete a prompt and lawful reinvestigation of each item and provide written results within 30 days of receiving this dispute. If the information can not be verified, it must be deleted immediately under federal law. 
Thank you for your attention to this matter. I reserve my rights under the FCRA and any other applicable law. 
Sincerely, XXXX 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