Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion LLC for their repeated and willful failure to remove clearly fraudulent addresses and associated accounts from my consumer credit file, despite numerous formal disputes and the submission of documentation establishing the fraud. 

Specifically, the following fraudulent addresses continue to appear on my credit report : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, California I have never resided at either of these addresses, nor have I ever had any lawful association with them. As evidence, I provided TransUnion with a copy of my valid drivers license, issued over XXXX years ago, showing my current and only legitimate residential address. Despite this, TransUnion has failed to take appropriate and lawful action to permanently delete these addresses from my file. 

Furthermore, credit accounts and inquiries continue to be reported in connection with these fraudulent addresses including accounts allegedly associated with XXXX and various payday loan companies. I affirm under penalty of perjury that : I have never held any accounts with XXXX or its affiliates. 

I have never applied for or obtained payday loans. 



These fraudulent accounts are now causing tangible harm to me. They are impairing my ability to maintain accurate credit records, triggering fraudulent activity, and subjecting me to harassing calls regarding accounts I did not open. 

TransUnions failure to block or suppress these fraudulent entriesdespite clear and repeated evidenceconstitutes a violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681c-2 Duty to block information resulting from identity theft.

15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy. 

TransUnion has had ample time and documentation to investigate and resolve these disputes. The continued reappearance of fraudulent addresses and accounts represents either gross negligence or willful noncomplianceboth of which are actionable under the FCRA and entitle me to actual, statutory, and punitive damages. 

I now demand immediate action from the CFPB to investigate TransUnions unlawful handling of my consumer report and to compel them to : Permanently remove all fraudulent addresses and associated tradelines. 

Implement an address filter to block any future reporting of accounts not matching my verified address. 


Confirm removal of all inquiries, accounts, or activity linked to the fraudulent addresses. 

Failure to comply will leave me with no alternative but to pursue civil litigation for damages under the FCRA. 

My address since XX/XX/XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX that should be the only address reported on my report. 
My DoB is XX/XX/XXXX Last XXXX of 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