Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
I am submitting this follow-up complaint because all three nationwide consumer reporting agencies Experian, Equifax, and TransUnion continue XXXX report inaccurate, incomplete, and unverifiable information on my credit files despite multiple prior disputes and formal requests for correction. The repeated reporting of these errors has caused ongoing harm to my creditworthiness and misrepresents my financial history. I am requesting that all inaccurate addresses, unverifiable charged-off accounts, and disputed collection accounts be permanently deleted from my credit reports, as these items can not be verified and their continued presence violates federal consumer protection laws. 

Across all three reports, my true and current address is XXXX XXXX XXXX, XXXX, PA XXXX, yet an outdated address, XXXX XXXX XXXX, XXXX, PA XXXX XXXX continues to appear as my current residence. This is inaccurate, misrepresents my identity, and violates FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ], which grants me the right to know what personal information is being reported, and FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], which requires the deletion of unverifiable or inaccurate information. Despite repeated requests to remove this incorrect address, it remains on my file, creating a misleading profile that could link my report to records that do not belong to me. 

Several charge-off accounts are also being reported inaccurately or inconsistently across the bureaus, or remain unverifiable. XXXX Account XXXX. XXXX shows a {$0.00} balance but is still reported as a charge-off. The XXXX balance indicates the debt has been resolved, and continuing to report it as a charge-off is misleading, violating FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires maximum possible accuracy, and 605B [ 15 U.S.C. 1681c-2 ], which mandates the removal of unverifiable or erroneous information. XXXX XXXX Account XXXX. XXXX appears only on Experian, not on Equifax or TransUnion, raising questions about its verifiability and accuracy. Under FCRA 605B and 611 ( a ) ( 1 ) ( A ), unverifiable or inconsistent data must be removed. 

I am also disputing multiple charged-off accounts with balances exceeding {$600.00}, including XXXX MT XXXX Account No. XXXX with a balance of {$21000.00}, XXXX XXXX Account XXXX. XXXX opened on XX/XX/XXXX with a balance of {$14000.00}, XXXX XXXX Account XXXX. XXXX showing a balance of {$1300.00}, and XXXX XXXX Account XXXX. XXXX opened on XX/XX/XXXX with a balance of {$3700.00}. These accounts are reported as Profit and Loss Write-Off or Charge-Off, yet no IRS Form XXXX has XXXX been issued to me for any of them. Under IRS regulations, creditors are required to issue a XXXX when a debt of {$600.00} or more is canceled or forgiven. The absence of these forms suggests these debts have not been officially canceled, and continuing to report them as charge-offs is misleading and violates FCRA 607 ( b ) and 611, as well as 605B. 

Additionally, TransUnion reports a collection account from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account No. XXXX with a balance of {$20000.00}, which I strongly dispute. This account does not correspond to any debt I recognize, and under FCRA 623 ( a ) ( 1 ) ( A ), no furnisher may report information they know or should know is inaccurate. Reporting unverifiable collections violates 611, which entitles consumers to dispute and have unverifiable accounts removed, and 605B, which requires blocking data linked to unverifiable or identity-related discrepancies. Permanent deletion of this collection account is required.

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