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: AL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against TransUnion for its failure to accurately maintain and investigate false and damaging information reported on my consumer credit file. This complaint is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that consumer reporting agencies maintain maximum possible accuracy and fully investigate disputed information within the legally required timeframe.

Inaccurate Address Reporting : TransUnion is reporting the following address, which is completely inaccurate and not associated with me in any way : XXXX XXXX XXXX XXXX, XXXX, AL XXXX This address does not belong to me, and its appearance on my credit file represents a gross violation of FCRA 1681e ( b ), which requires credit bureaus to assure maximum possible accuracy of the information they report. I have never lived at or used this address for any purpose, and this raises serious concerns about identity confusion or mixed-file errors. 
Inaccurate Account Information : TransUnion is also reporting two accounts from XXXX with late payment history that are inaccurate and damaging to my creditworthiness. 
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 XXXXXX/XX/XXXX Issue : Late Payments ( Inaccurate ) These accounts contain false derogatory marks in the form of late payments. I have previously disputed this information directly with TransUnion and demanded investigation as per FCRA 1681i ( a ), but they have failed to correct or provide validation of this data.

According to FCRA 1681i ( a ) ( 5 ) ( A ), when disputed data can not be verified, it must be deleted. Additionally, the continued reporting of inaccurate information despite my disputes constitutes willful noncompliance under FCRA 1681n, exposing the agency to statutory and punitive damages. 
My Request : I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and require TransUnion to : XXXX. Permanently remove the inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit file. 
XXXX. XXXX a full reinvestigation of both XXXX accounts and either provide documented verification of accuracy or delete them immediately. 
3. Confirm that my file is not being co-mingled with another consumer.

I am suffering ongoing harm from these errors in the form of loan denials and higher interest rates. I urge the CFPB to act swiftly and compel TransUnion to bring my report into compliance with federal law.

To Whom It May Concern, I am filing this formal complaint against Experian for failing to uphold their obligations under the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and integrity of consumer credit files. Despite my efforts to dispute and correct inaccurate information, Experian continues to report unauthorized or unverifiable data that has negatively impacted my creditworthiness. 
Unauthorized Inquiry Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized Hard Inquiry Law Violated : FCRA 604 ( a ) ( 3 ) Permissible purpose required for accessing a credit report.

FCRA 607 ( a ) Reporting agencies must follow reasonable procedures to ensure inquiries are only made with permissible purpose.

I did not authorize this inquiry, nor do I have any ongoing relationship or recent application with XXXX XXXX. I attempted to dispute this with Experian, but they failed to remove it or provide any verification of permissible purpose from the creditor. 
Requested Action 1. Immediate removal of the unauthorized hard inquiry by XXXX XXXX ( XX/XX/XXXX ). 
XXXX. A full reinvestigation in compliance with FCRA XXXX. 
XXXX. Proof of permissible purpose as required under FCRA 604.

4. Documentation of all contacts made with the creditor during the reinvestigation.

5. A corrected copy of my credit report sent to me after the reinvestigation.

Additional Notes Experians failure to act on legitimate disputes and continue publishing inaccurate information without proper reinvestigation is a violation of my consumer rights under the FCRA. This has caused me financial harm and emotional distress by lowering my credit score and limiting my access to credit opportunities.

I urge the Consumer Financial Protection Bureau ( CFPB ) to take swift enforcement action to ensure Experian complies with federal law and protects consumers from inaccurate credit reporting.

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