Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian for reporting numerous inaccurate addresses and accounts on my credit file, causing me significant emotional, financial, and legal harm. TransUnion has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, by continuing to report unverifiable, obsolete, and incorrect information despite my prior disputes. These errors have led to credit denials, increased interest rates, reputational damage, and undue stress. Below is a breakdown of the inaccurate entries with detailed information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Issue : Misreported address Law : FCRA 1681c ( f ), 1681e ( a ) Story : This version of the address with extra digits suggests an error in the reporting system or automated processing. The inclusion of incorrect data affects creditworthiness and continues to expose me to identity confusion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address Issue : Inaccurate address inclusion Law : FCRA 1681e ( b ) Story : I never authorized this address to be associated with my file. This creates misleading impressions about my residency history and may have resulted in adverse credit decisions. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address Issue : Fraudulent or mixed-file address Law : FCRA 1681c ( a ), 1681e ( b ) Story : This XXXX address is incorrect. Its continued presence damages my credit profile and creates confusion for lenders. It may suggest mixed identity or data entry errors by XXXX 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3900.00} Late Payment Issue : Late payment is reported inaccurately Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ) Story : I had previously disputed this account due to payment deferment status during COVID-19 protections. Reporting this as late is not only incorrect, it is a violation of federal guidelines on student loans. TransUnion failed to investigate adequately. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2300.00} Late Payment Issue : Duplicate entry with differing balance ; misreporting of payment history Law : FCRA 1681s-2 ( b ), 1681c-2 Story : Reporting two entries of the same loan with different balances and both marked late creates confusion and unjustly lowers my credit score. This also indicates potential data duplication or mishandling, which TransUnion has neglected to fix despite being notified. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Charge-off Issue : Account was under dispute, not validated, and reported as charged off Law : FCRA 1681s-2 ( a ) ( 1 ) ( A ), 1681e ( b ) Story : I requested full validation of this debt which I never received. Despite this, XXXX allowed a charge-off to remain on file, violating my right to dispute and receive fair review. This action caused denial of auto financing and insurance hikes. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Collection Issue : Unauthorized collection, no notice of debt Law : FDCPA 809, FCRA 1681b ( a ) ( 3 ) Story : I was never notified about this debt, nor do I recognize the account. It is being reported without proper verification or written validation, violating both the FCRA and FDCPA. This has led to unfair damage to my credit score and reputation. 
XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Collection Issue : Obsolete collection marked with {$0.00} but still showing as derogatory Law : FCRA 1681c ( a ) ( 5 ), 1681e ( b ) Story : If this balance is {$0.00}, it should not be affecting my report as a derogatory item. XXXX failure to update or remove this account reflects negligence in data accuracy, resulting in denied credit applications and personal distress. 
I respectfully request the Consumer Financial Protection Bureau to launch a full investigation into XXXX XXXX reporting practices, require them to remove all inaccurate addresses and accounts mentioned above, and compel them to correct my credit report immediately in accordance with the FCRA. XXXX failure to comply with federal law has caused me demonstrable financial harm and emotional anguish.

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