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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Equifax for the reporting of inaccurate and unauthorized information on my credit report, including false addresses, unlawful hard inquiries, and incorrect derogatory account information. These errors are in violation of the Fair Credit Reporting Act ( FCRA ) and are severely impacting my creditworthiness, access to credit, and overall financial stability. 
1. Inaccurate Personal Information XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX Wrong Address This address does not belong to me and should never have been associated with my credit file. I have never lived at, used, or been connected to this address. The inclusion of this address suggests possible file mixing or identity confusion, which constitutes a serious violation under : FCRA 607 ( b ) Equifax must maintain maximum possible accuracy of consumer information.

FCRA 609 ( a ) ( 1 ) I have a right to know the source of this inaccurate data.

2. Inaccurate Derogatory Account Reporting XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Charge Off These two charge-off accounts appear duplicative, and I have not received sufficient documentation validating either of these debts. They continue to report negatively and without proper notice or dispute handling.

FCRA 611 The consumer has the right to dispute inaccurate information, and Equifax must reinvestigate within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or have reasonable cause to believe is inaccurate.

FCRA 602 ( A ) I am entitled to fair and equitable treatment in the reporting and use of my credit information.

3. Unauthorized/Inaccurate Hard Inquiries The following hard inquiries were made without my permission or legal basis. I did not authorize or initiate these inquiries and they are causing unjust damage to my credit file : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries violate my rights under : FCRA 604 ( a ) ( 3 ) A consumer reporting agency may furnish a consumer report only for specific permissible purposes.

FCRA 616 & 617 Equifax can be held liable for willful or negligent noncompliance.

FCRA 605A If there is any risk of identity theft or file confusion, Equifax must block unauthorized information upon notice. 
Relief Requested I am demanding the following corrective actions : 1. Immediate deletion of the inaccurate address : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX. XXXX investigation and, if not fully validated, removal of the two XXXX XXXX XXXX XXXX charge-off accounts 3. Permanent deletion of the above-listed unauthorized inquiries from my Equifax credit file 4. A corrected copy of my credit report upon resolution 5. Assurance that no similar violations will reoccur These errors are not only unlawful under federal law, but they are also causing severe harm to my financial stability, access to fair credit, and peace of mind. I request the CFPB to investigate this matter urgently and ensure Equifax complies with the law.

I am submitting this formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. My credit report contains inaccurate and unverifiable information that I have disputed with TransUnion but have not received proper investigation or resolution.

Despite my attempts to correct these errors, TransUnion continues to report incorrect personal information and inaccurate account data, thereby violating my rights under FCRA. I am requesting the immediate removal of the following : Inaccurate Address Reporting ( Violation of FCRA 1681e ( b ) ) : Reported Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX I have never lived at or been associated with this address. This false reporting of address constitutes a violation of FCRA 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in the information they report. Inclusion of incorrect address creates confusion in my identity verification and opens the door to potential fraud.

Violation Law : FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of consumer information.

Violations : FCRA 1681i ( a ) Failure to conduct reasonable reinvestigation after dispute.

FCRA 1681s-2 ( b ) Failure of data furnishers to correct and update information.

FCRA 1681e ( b ) Failure to ensure accuracy of information.

Resolution Requested : I am respectfully requesting the following : 1. Immediate deletion of the unverifiable address : XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX. Immediate deletion or correction of the FIRST SERVICE CREDIT account reporting as a charge-off 3. Written confirmation from TransUnion that the above actions have been completed.

If TransUnion continues to report false information, I am prepared to escalate this matter legally for damages allowed under FCRA 1681n and 1681o, including punitive damages for willful non-compliance.

I am writing to file a formal complaint against Experian Information Solutions , Inc. for violating several provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to inaccurate address reporting, unauthorized hard inquiries, and the reporting of incorrect and duplicate charge-off accounts. 
Despite my previous attempts to resolve these issues directly with Experian, they have failed to take corrective action. Their continued negligence has caused severe harm to my credit score, financial wellbeing, and emotional peace. I am therefore requesting urgent intervention by the CFPB.

Issues and Violations 1. Wrong Address Reporting XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX addresses do not belong to me and are inaccurately reported on my credit file. 
Violation of : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in consumer information 15 U.S.C. 1681i ( a ) Failure to reasonably investigate and correct disputed items 2. Duplicate & Inaccurate Charge-Off Accounts A. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Issue : Reported as Charge Off Not mine or inaccurately reported B. XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Issue : Duplicate Charge Off Appears twice on my credit report under XXXX slightly different dates Violation of : 15 U.S.C. 1681e ( b ) Inaccurate and duplicate data not corrected 15 U.S.C. 1681i ( a ) Lack of proper reinvestigation into disputes 15 U.S.C. 1681c ( a ) ( 5 ) Prohibition of obsolete, inaccurate, and misleading information 3. Unauthorized Hard Inquiries The following inquiries were made without my knowledge, consent, or any initiated application from my end : Date Creditor Name XX/XX/XXXX XXXX, XXXX XX/XX/XXXXXXXX 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  These hard inquiries were not authorized by me and are damaging my credit profile unfairly. 
Violation of : 15 U.S.C. 1681b ( c ) No permissible purpose for obtaining my credit report 15 U.S.C. 1681e ( a ) Failure to confirm legitimacy and permissible purpose of the user requesting the report Relief Requested : I respectfully request the CFPB to investigate Experian for the above violations and demand the following corrective actions : 1. Immediate removal of all incorrect addresses 2. Deletion of unauthorized or duplicate charge-off accounts 3. Removal of all unauthorized hard inquiries from my credit report 4. Review of Experian 's dispute investigation practices 5. Appropriate penalties or sanctions if negligence is proven These issues have resulted in emotional distress, loan denials, and damage to my reputation and creditworthiness. I urge the CFPB to act swiftly in holding Experian accountable.

Attached Documents : Proof of my current address and identity Screenshot/printout of my Experian credit report Copies of prior dispute letters and correspondence

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