Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
REQUEST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : ________________________ TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Full Dispute, Verification, and Investigation Request FCRA 602, 604, 609, 610, 611, 623 To Whom It May Concern, I am formally requesting a complete reinvestigation of several items reported on my TransUnion credit file. The information listed below is either inaccurate, incomplete, unverifiable, or contains reporting errors that violate the Fair Credit Reporting Act ( FCRA ).

Under FCRA 611 ( a ), TransUnion is required to conduct a reasonable reinvestigation of each disputed item and remove or correct any information that can not be fully verified.

Additionally, I am invoking my rights under FCRA 609 ( a ) ( 1 ) and 609 ( a ) ( 2 ) to request all documentation used to verify each account, including original applications, signed contracts, itemized payment histories, account statements, charge-off statements, and any communication records. If this information can not be provided, the disputed items must be deleted. 
XXXX. XXXX XXXX Repossession ( Account : XXXX ) The report shows a repossession with missing or incomplete payment history and insufficient supporting information. The absence of full contractual documentation and complete payment detail renders the account unverifiable under the FCRA. Please provide the original contract, full payment history, repossession order, notices, and proof of lawful handling. If this documentation can not be provided, this item must be deleted. 
XXXXXXXX XXXX XXXX Collection ( Account : XXXX ) This collection account lacks validation. There is no contract, billing statement, itemization of the alleged balance, or proof that the debt belongs to me. Under FCRA and FDCPA 809 ( b ), any unvalidated collection must be removed. Please provide the original creditor agreement, XXXX XXXX  Delinquencies ( Account : XXXX ) This closed account shows 30-day late payments and an inconsistent payment history.

Reporting on a closed account that has been canceled by the creditor must be fair, accurate, and complete. Any incorrect payment data or incomplete history requires correction or deletion. Please provide complete statements and payment records used to verify this information. 
XXXX. XXXXXXXX XXXX Late Payment ( Account : XXXX ) The reporting shows a 30-day late payment, yet the payment history is missing for multiple months. This violates FCRA completeness requirements because negative information can not be reported without full supporting history. Please provide the billing cycle statements and payment logs verifying the alleged late payment. 
XXXX. XXXX Late Payments ( Account : XXXX ) This account includes several late-payment notations but was transferred to another lender. 
After transfer, furnishers must ensure the accuracy of all data. Any unverifiable or incomplete information must be removed. Please provide complete documentation establishing the accuracy of each month reported as late. 
PERSONAL INFORMATION CORRECTION REQUEST Please remove the following inaccurate addresses : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX Also remove incorrect name variations : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX These are not my legal names and must be removed to prevent incorrect association with accounts that do not belong to me. 
ACTION REQUIRED UNDER FEDERAL LAW Under the FCRA, TransUnion must : Mark all disputed items as In Dispute during investigation Conduct a reasonable reinvestigation within 30 days Provide written results and an updated credit report Delete or correct any item that can not be fully verified If you rely on furnisher verification, you must supply me with the actual documentation the furnisher used. Electronic verification alone does not satisfy FCRA requirements.

Failure to follow these requirements will result in formal complaints to the CFPB, FTC, and Attorney General.

ENCLOSED : Copy of drivers license Proof of address Annotated copy of credit report highlighting disputed

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