Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Complaint Against TransUnion and Experian for Violation of Federal Consumer Laws Dear CFPB Representative, I am submitting this formal complaint to bring to your attention multiple violations of federal consumer protection laws by the credit reporting agencies TransUnion and Experian. These agencies have continued to report, validate, and maintain accounts, inquiries, and charge-offs on my credit report that are inaccurate, unverifiable, and do not comply with federal standards regarding the use of consumer data. 

Pursuant to the * * Fair Credit Reporting Act ( FCRA ) * * ( 15 U.S. Code 1681 ), the following provisions apply : * * * 15 U.S. Code 1681b * * Permissible purposes of consumer reports. This section restricts when and how credit reporting agencies may provide consumer information. The use of my personal information to validate inquiries and accounts not initiated or authorized by me constitutes a violation of this statute.

* * * 15 U.S. Code 1681e ( b ) * * Accuracy of report. This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report.

* * * 15 U.S. Code 1681i * * Procedure in case of disputed accuracy. Under this section, credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information on their report.

* * * 15 U.S. Code 1681c * * Reporting of obsolete information. This section limits how long negative information like charge-offs and inquiries can be reported.

* * * 15 U.S. Code 1681s-2 ( a ) * * Responsibilities of furnishers of information to provide accurate data to credit reporting agencies.

Despite my formal disputes and requests for verification, both TransUnion and Experian have failed to adequately validate the accounts and inquiries in question. It is my right under the FCRA and * * Fair Debt Collection Practices Act ( FDCPA ) * * to challenge unverifiable data and to have it removed when proper verification can not be provided.

The following entries are being disputed and are a violation of the above consumer laws : -- - Information that needs to be removed : Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$18000.00} Date opened XX/XX/XXXX Date closed XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX Balance {$3400.00} - XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2500.00} Date Closed XX/XX/XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX Balance {$92.00} Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX, OR XXXX Requested On XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX, OR XXXX Requested on XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IN XXXX Requested On XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Reported XX/XX/XXXX Phone number : ( XXXX ) XXXX Employer : - XXXX  Date Verified XX/XX/XXXX - XXXX Date Verified XX/XX/XXXX -- - I respectfully request that the CFPB investigate this matter thoroughly and compel TransUnion and Experian to comply with federal law by removing the unverifiable and inaccurate information from my credit report. 

Please contact me if additional documentation is required. 

Sincerely, UCC 1-308, All Rights Reserved XXXX 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