Consumer complaint received 2025-11-10 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 Experian and TransUnion for continued publication of false, unverifiable, and unauthorized personal identifiers on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, 1681n, and 1681o, and XXXX XXXX data integrity standards. 

Despite multiple disputes and CFPB filings submitted on XX/XX/XXXX ( Cases XXXX, XXXX, and XXXX ), both bureaus continue to report inaccurate names, addresses, and employer information that are unverified and directly linked to the XXXX  and XXXX XXXX XXXX XXXX. 
These errors are causing material harm, misrepresenting my identity, and creating risk of identity theft and credit denial. 

XXXX. False Personal Identifiers The credit bureaus are reporting several incorrect name variations including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these names have ever been legally associated with me. I have never used these identifiers, and they do not appear on any government-issued ID, Social Security record , or signature verification document.

Despite repeated disputes, these entries remain, in direct violation of : FCRA 607 ( b ) ( 15 USC 1681e ( b ) ) failure to maintain reasonable procedures to ensure maximum possible accuracy ; FCRA 611 ( a ) ( 15 USC 1681i ) failure to delete unverifiable information within XXXX  days of dispute ; XXXX XXXX XXXX failure to maintain consistent and verifiable consumer identifiers. 

XXXX. Inaccurate and Unverifiable Addresses Both bureaus are reporting false and unverifiable addresses, including : XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, La XXXX, LA XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( misreported as current with incorrect ZIP extension XXXX ) None of these addresses are valid or verifiable through any lease, utility, or postal record. Their continued presence violates FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ), as well as XXXX XXXX standards requiring verifiable and consistent data. 
This incorrect information was introduced through compromised data sources during the XXXX  XXXX XXXX, and its retention after multiple disputes constitutes willful and negligent noncompliance. 

XXXX. False Employer Record TransUnion continues to list XXXX XXXX XXXX as my employer. 
No employment record, payroll data, or signed authorization has ever been produced to verify this listing. This false employer record has already been cited in my CFPB complaint ( Case XXXX ) and remains on my file, violating FCRA 607 ( b ), 611 ( a ), and XXXX XXXX XXXX XXXX. 

XXXX. Incorrect Date of Birth My date of birth is being reported as XX/XX/XXXX, which is inconsistent with verified government documentation. 
This false identifier contributes to the same pattern of identity contamination described in my prior CFPB complaints and violates both FCRA accuracy and reinvestigation requirements and XXXX XXXX Section XXXX. 

XXXX. Legal and Regulatory Violations The above errors collectively represent : Failure to assure maximum possible accuracy under FCRA 607 ( b ) ; Failure to reinvestigate and delete unverifiable data within XXXX  days under FCRA 611 ( a ) ; Willful noncompliance under FCRA 616 ( 15 USC 1681n ) ; and Negligent noncompliance under FCRA 617 ( 15 USC 1681o ).

Additionally, FCRA 604 and 605 ( h ) require that all information have a lawful purpose and that CRAs notify consumers when identifiers differ substantially from verified dataobligations that have not been met. 

XXXX. Requested Action I am requesting that the Consumer Financial Protection Bureau require Experian and TransUnion to : Permanently delete all false names, addresses, and employer records listed above ; Correct and verify my date of birth and identifiers using verifiable documentation ; Issue written confirmation of deletions and provide an updated, accurate credit report ; and Implement stricter verification controls to prevent continued reporting of breached or unverifiable data. 

XXXX. Harm Suffered The continued reporting of these false identifiers has resulted in : Ongoing identity confusion and credit denials ; Exposure to identity theft risk due to data breaches ; Emotional distress and financial harm from inaccurate reporting.

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