Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
CFPB COMPLAINT EXPERIAN Subject : Ongoing FCRA, FDCPA, and XXXX XXXX Violations False, Duplicative, & Harmful Address Reporting Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Supporting documentation : XXXX XXXX Statement ( verifying sole current address ) XXXX ; XXXX XXXX ( attached to Complaint ) * Summary of Complaint Experian continues to illegally report multiple inaccurate, obsolete, and non-residential addresses on my credit file despite prior disputes, documentary proof of my correct address, and clear XXXX XXXX and FCRA requirements for accurate consumer identification data. 

In addition, Experian is tying one of these false addressesa hospital address ( XXXX XXXX XXXX, XXXX, NJ ) to an active and defective medical debt account that is currently in dispute and qualifies for protection under Medicaid billing rules and CFPB medical-debt guidance. 

Experians conduct is causing ongoing damage, misclassification, and the false association of fraudulent/incorrect accounts with my file. This is a knowing and repeated violation of its statutory duties. 

Details of Violations 1. FCRA 607 ( b ) Failure to Maintain Maximum Possible Accuracy Experian continues to publish multiple false addresses, including : XXXX XXXX XXXX XXXX XXXX NJ XXXX ( various versions ) XXXX XXXX XXXX XXXX NJ XXXX XXXX address ( non-residential ) Other addresses I have already disputed multiple times ONLY valid address : XXXX XXXX XXXX, XXXX NJ XXXX ( verified via bank statement ) Including a hospitals business address on my consumer file is reckless, inaccurate, and clearly inconsistent with what a consumer address is under XXXX XXXX and FCRA standards. 

Furnishing inaccurate identity information is a direct violation of 15 U.S.C. 1681e ( b ). 

2. FCRA 611 Failure to Conduct a Reasonable Reinvestigation I previously disputed all incorrect addresses, yet Experian : Continues re-publishing the same false addresses Fails to delete business/non-residential addresses Fails to provide documentation showing how these addresses were verified Returns verified responses with no methodology, violating 611 ( a ) ( 6 ) ( B ) ( iii ) This proves no reasonable reinvestigation was ever conducted. 

3. XXXX XXXX Address Reporting Violations Experian is ignoring XXXX XXXX Consumer Identification Number standards ( Reporting Field XXXX Consumer Address ) which require : Residential address only NO business, institutional, P.O. box, hospital, or non-consumer locations Accurate, current, and verified address fields By reporting a hospital address and other unrelated locations, Experian violates : XXXX XXXX Format, Base Segment, Consumer Address Field XXXX XXXX XXXX Full File Reporting requirements for accurate identification data CFPB guidance on the use of Fair Credit Reporting accuracy and integrity standards This is not a formatting errorit is a systemic compliance failure. 

4. FDCPA Violations ( for Furnished Medical Debt Data ) The hospital address appears to be tied to a medical debt account. That debt is : Currently in dispute Incorrectly billed Subject to Medicaid protections Improperly furnished and linked to an address I never lived at Being used to adversely affect my credit file If Experian is furnishing or republishing data that a debt collector provided, this violates : FDCPA 807 ( 8 ) ( false credit information ) FDCPA 807 ( 2 ) ( A ) ( false representation of account status ) FDCPA 809 ( b ) ( failure to cease reporting during dispute ) XXXX. Experians Own Internal Business Address Warning Proves the Inaccuracy Experian itself classifies XXXX XXXX XXXX XXXX NJ as : a non-residential business address Yet it simultaneously publishes it as my residential address, proving Experian knowingly furnishes conflicting and materially inaccurate information. 

This is a textbook violation of : FCRA 607 ( b ) FCRA 623 ( a ) ( 1 ) ( A ) ( prohibition on furnishing inaccurate info ) CFPB Regulation V accuracy standards Harm to Consumer Experians actions have caused : Repeated denial of credit due to mismatched identity/address history False association with medical debt and other fraudulent accounts Increased risk of identity theft flags Emotional distress and reputational harm Compromised ability to obtain housing/financial products Ongoing inaccurate credit evaluation I have provided responsive, verified documentationspecifically, a XXXX XXXX statement clearly listing my correct and only address. 

XXXX ; XXXX XXXX ( attached to complaint ) * Experian continues to ignore it. 

Requested CFPB Enforcement Action I request that the Consumer Financial Protection Bureau order Experian to : 1. Immediately DELETE all inaccurate, non-residential, disputed, or unverifiable addresses, including but not limited to : XXXX XXXX XXXX XXXX ( all variations ) XXXX XXXX XXXX XXXX NJ ( hospital business address ) Any other addresses previously disputed 2. Retain ONLY the correct address : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX 3. Provide documentation of the verification used for each disputed address, including : Furnisher name Method of verification Date, time, and source of data Any supporting records 4. Investigate Experians XXXX XXXX noncompliance, including improper use of business/hospital addresses as residential. 
5. Investigate Experians failure to remove inaccurate medical debt information associated with false addressesespecially given my Medicaid status, which prohibits certain negative furnishing practices per CFPB medical-debt guidance. 
6. Impose penalties for repeated noncompliance with FCRA 607 ( b ), 611, and XXXX XXXX ID reporting standards. 
Conclusion Experians ongoing publication of false, business, and hospital addresses, despite repeated disputes and verified documentation, is a systemic violation of federal law and has caused significant and continuing harm. 

I request immediate regulatory intervention, deletion of all inaccurate addresses, and full compliance monitoring.

Company response to consumer: Closed with explanation