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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am sending this complaint regarding both Experian and TransUnion for failing to maintain accurate, complete, and verifiable information within my credit files. The Fair Credit Reporting Act ( FCRA ) provides me with the right to have only accurate information reported, and both credit reporting agencies have continued to display data that violates this federal requirement. Under FCRA 609 ( a ) ( 1 ) 15 U.S.C. 1681g ( a ) ( 1 ), I have the right to know exactly what personal information is contained in my file. Additionally, FCRA 611 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires both Experian and TransUnion to conduct a thorough investigation and correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute. Moreover, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies use reasonable procedures to ensure the maximum possible accuracy of all information they report. In reviewing my files, I found that both agencies are reporting inaccurate personal identifiers that do not reflect my correct identity or residence. My correct name is XXXX XXXX XXXX, and my current and only address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX. Despite this, Experian and TransUnion both continue to report incorrect names and addresses. Experians file lists XXXX XXXX XXXX and incorrectly displays XXXX XXXX XXXX XXXX, MD XXXX as my current address, as well as XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. TransUnions file lists inaccurate names XXXXXXXX XXXX  and XXXX, XXXXXXXX XXXX, and shows the wrong current address XXXX XXXX XXXX, MD XXXX along with XXXX XXXX  XXXX, MD XXXX. These are incorrect and misleading identifiers that must be deleted. Both agencies have failed to maintain the accuracy of my identifying information in violation of FCRA 607 ( b ), and I am requesting that all incorrect names and addresses be removed and replaced only with my correct and current information. Upon further review, I found that both credit bureaus are reporting late close accounts differently, creating inconsistencies that call into question the accuracy and verifiability of these entries. Under FCRA 623 ( a ) ( 2 ) Duty to Correct and Update, furnishers are obligated to ensure that reported information is accurate across all bureaus. Additionally, 15 U.S. Code 1666 Correction of Billing Errors and FCRA 611 Dispute Inaccurate Info, provide that such errors must be investigated and corrected. The affected accounts include those reported by XXXX XXXX XXXX XXXX XXXX Experian reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX as current with a balance of {$0.00} and last activity on XX/XX/XXXX, whilXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows late 30 days with the same activity date. However, TransUnion shows the opposite, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX reflecting a late 30-day payment status and last activity on XX/XX/XXXX, while XXXX XXXX XXXX XXXX XXXX XXXX XXXX  appears current with last activity on XX/XX/XXXX. These differences clearly indicate that the information being reported is not uniform or verifiable. Since both agencies have conflicting data from the same furnishers, the accounts should be removed in full under FCRA 611 as unverifiable and inaccurate. I also found that both Experian and TransUnion continue to report charge-off accounts that have already been resolved or reflect a XXXX balance. Under FCRA 605B Blocking of Information from Identity Theft, unverifiable or identity theft-related accounts must be blocked once supporting documentation is provided. FCRA 607 ( b ) obligates credit bureaus to maintain accuracy, and 611 affirms my right to dispute inaccurate or outdated information. The charge-off accounts that should be deleted include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts all report balances of {$0.00} but continue to appear as charge-offs. The continued presence of XXXX-balance charge-offs misrepresents my current credit standing and violates the FCRAs requirement for maximum possible accuracy. Additionally, both agencies report collection accounts that appear unverifiable and inconsistent with other information. FCRA 623 ( a ) ( 1 ) ( A ) clearly states that no entity shall furnish data it knows or should know to be inaccurate, and FCRA 611 provides me the right to dispute any unverifiable information. Furthermore, FCRA 605B states that unverifiable or identity theft-related data must be blocked. The accounts in question are XXXX  Original Creditor : Mission Place Apartments XXXXXXXX XXXX with a balance of {$4000.00} and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1100.00}. These collection accounts are inconsistent with other bureau data, and their ownership and balance amounts can not be verified, making their reporting misleading. Both should be removed in their entirety from my Experian and TransUnion reports. The most concerning issue involves charge-off accounts with balances above {$600.00} that continue to be reported as Profit and Loss Write-Off or Charge-Off without any IRS Form 1099-C issued, as required by tax law when a debt of {$600.00} or more is canceled. The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The absence of a 1099-C indicates that these debts were never formally forgiven or canceled. According to IRS regulations, a creditor must issue Form 1099-C to both the consumer and the IRS when a debt of {$600.00} or more is discharged. Without such documentation, continuing to report these accounts as charge-offs is misleading, especially if the creditors are no longer pursuing active collection. The continued negative reporting without proper documentation creates an inaccurate representation of my financial responsibility and may be considered a violation of FCRA 607 ( b ), which requires maximum accuracy in reporting. I have also stated in my letters that I want to dispute the current reporting status of these charge-off accounts because they misrepresent the true standing of my obligations. I clarified that no 1099-C has been issued, which means the debts were not formally forgiven. The absence of such proof shows that either the creditor is still attempting to collect, or the account should not be reported as a write-off. In either case, this inconsistency violates FCRA 607 ( b ) and 611 because the data is unverifiable and misleading.

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