Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : TransUnion Inaccurate, Incomplete, and Unverifiable Information in Violation of the Fair Credit Reporting Act ( FCRA ) To whom it may concern : I am filing a formal complaint against TransUnion LLC for reporting inaccurate, incomplete, and unverifiable information on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ). These inaccuracies have directly harmed my ability to obtain auto loans, home mortgage loans, personal and business credit and loans, and even employment opportunities. I am requesting that the CFPB require TransUnion to conduct a full reinvestigation into each disputed item and delete any information that can not be fully verified and documented, as required by FCRA Sections 602 ( A ), 607 ( B ), and 611.

Below is a detailed breakdown of each issue : 1. PERSONAL INFORMATION INCORRECT NAME TransUnion is reporting my name incorrectly as : XXXX XXXX XXXX. 

My correct legal name is : XXXX XXXX XXXX XXXX. 

This inconsistency violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. This must be corrected immediately. 



XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Issue : Major inaccuracies, incomplete, and unverifiable information Reported as Derogatory / Collection / Charge-Off TransUnion lists the account as Joint, but no joint party appears anywhere on my TransUnion report.

Multiple reporting fields conflict or appear incomplete ( Monthly payment, limit, terms, and balance details ).

I dispute the accuracy and completeness of all reporting elements. 

Requested Action : Full reinvestigation and deletion if unverifiable. 



XXXX. XXXX XXXX XXXX. ( PLACED WITH XXXX XXXX XXXX  ) Account Number : XXXX XXXX XXXX XXXX XXXX Issue : Reported as Derogatory / Collection / Charge-Off Multiple fields missing ( Monthly payment, last payment, terms, and limit ). 
Incomplete and unverifiable information. 

Requested Action : Full reinvestigation and deletion if unverifiable. 



XXXX. XXXX XXXX  ( PLACED WITH XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX Issue : Not reporting on Experian nor Equifax, which raises concerns about reliability and verification. 
Entire tradeline appears inconsistent and questionable. 

Requested Action : Full reinvestigation and deletion if unverifiable. 



XXXX. XXXX XXXX ( PLACED WITH XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Issue : TransUnion lists the responsibility as Joint, yet no joint party appears on my TransUnion report. 
Amount, payment history, and reporting fields are incomplete and unverifiable. 

Requested Action : Full reinvestigation and deletion if unverifiable. 



XXXX. XXXX  ( PLACED WITH XXXX XXXX XXXX  ) Account Number : XXXX XXXX XXXX XXXX XXXX Issue : Not reporting on Equifax, indicating inconsistencies in verification. 
Missing payment history, terms, limit, and other required data fields. 

Requested Action : Full reinvestigation and deletion if unverifiable. 



XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Issue : Not reporting on Equifax. 
Reporting contains incomplete fields and unverifiable information, including payment history, highest balance, and terms. 

Requested Action : Full reinvestigation and deletion if unverifiable. 



XXXX. XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX XXXX XXXX XXXX XXXX  Issue : Inaccurate status remarks ( Dispute resolved; customer disagrees ). 
Reporting appears incomplete and unverifiable.

The account contains no full payment history or supporting detail.

Requested Action : Full reinvestigation and deletion if unverifiable.

FCRA VIOLATIONS TransUnion is violating several provisions of the FCRA, including : FCRA 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 Failure to properly reinvestigate disputed information and provide complete verification.

FCRA 602 ( A ) Failure to maintain fair and accurate credit reporting, resulting in direct harm to the consumer. 

These inaccurate items have caused me denials and limitations in obtaining : Auto loans Home mortgage loans Personal credit Business credit and loans EmploymenXXXX opportunities

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