Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I am submitting this complaint to formally dispute the presence of inaccurate and unauthorized personal address information reported by all three major credit bureaus TransUnion, Experian, and Equifax on my credit file. These addresses are factually incorrect, were never associated with me, and their continued presence is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Inaccurate Addresses Identified : TransUnion XXXX XXXX, XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Equifax XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These addresses are not mine, and I have never resided at or been affiliated with any of these locations. 

Timeline of Events : On XX/XX/2025, I obtained copies of my credit reports and discovered the above addresses listed as part of my personal information. 

I immediately filed written disputes with TransUnion, Experian, and Equifax under FCRA 1681i ( a ), clearly identifying the addresses as inaccurate and unauthorized. 

I included documentation verifying my current and previous legitimate addresses and requested the removal of the false information. 

Despite my formal disputes, the bureaus failed to delete the unauthorized addresses from my credit file. 

Legal Violations : The reporting and retention of false personal address information violates several provisions of the FCRA : FCRA 1681e ( b ) : Requires credit bureaus to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report.

FCRA 1681i ( a ) : Mandates that consumer reporting agencies reinvestigate disputed information in a timely and thorough manner.

FCRA 1681c-2 ( if related to identity theft ) : Grants consumers the right to block fraudulent information from their credit report upon proper documentation. 

Personal Impact : These incorrect addresses raise serious concerns about potential identity theft or mixed files and may have led to the wrongful association of accounts or credit inquiries. This not only jeopardizes my creditworthiness but also places me at risk of fraud, unnecessary investigations, and emotional distress.

Requested Resolution : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to take the following actions : Direct TransUnion, Experian, and Equifax to permanently delete the six unauthorized addresses listed above. 

Ensure the bureaus conduct a full and reasonable reinvestigation of the personal information section of my file. 

Require the bureaus to provide written confirmation once the false addresses are removed. 

Ensure that these addresses are not reinserted into my credit report unless fully verified with my consent. 

I am submitting supporting documentation, including proof of my actual residential history, prior disputes, and identity verification.

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