Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against TransUnion for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute incorrect, outdated, and unverifiable information on my credit file, TransUnion has failed to fulfill its obligations under federal law. The inaccurate data has severely impacted my creditworthiness, leading to financial hardship and emotional distress. 
TransUnion has violated the following sections of the FCRA : 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy.

1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

1681g : Failure to provide complete and accurate information upon request.

1681s-2 ( b ) : Failure to properly respond to a furnisher dispute.

1681c ( a ) : Inclusion of outdated or obsolete information.

1681c-2 : Failure to block information resulting from identity theft or mixed file issues. 
Disputed Items on My TransUnion Credit Report : Wrong/Incorrect Addresses ( Mixed File or Identity Theft Suspected ) XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX I have never lived at this address. 
XXXX. XXXX XXXX XXXX, XXXX, TX XXXX This address is not associated with me. Violation : 1681c-2, 1681e ( b ) XXXX or XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Issue : Marked as charge off with no verified contract or signed agreement. Violation : 1681e ( b ), 1681i  ( a ) XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$590.00} Date Opened : XX/XX/XXXX Issue : Reported as late payment without accurate records or validation. Violation : 1681e ( b ), 1681s-2 ( b ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1600.00} Date Opened : XX/XX/XXXX Issue : Charged off without proper investigation or dispute resolution. Violation : 1681i ( a ), 1681e ( b ) XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$17000.00} Date Opened : XX/XX/XXXX Issue : Charge off reporting without documentation or resolution of dispute. Violation : 1681e ( b ), 1681g 7. XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$12000.00} Date Opened : XX/XX/XXXX Issue : Late payments reported despite forbearance and dispute. Violation : 1681e ( b ) XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$12000.00} Date Opened : XX/XX/XXXX Issue : Late payment inaccurately listed ; loan in administrative deferment at the time. Violation : XXXX ( b ), XXXX ( a ) XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX High Balance : {$820.00} Date Opened : XX/XX/XXXX Issue : Collection account with no notice, no debt validation. Violation : XXXX, XXXX XXXX. XXXX & XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$730.00} Date Opened : XX/XX/XXXX Issue : Unverified collection account, not mine. Violation : 1681s-2, 1681e ( b ) XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$160.00} Date Opened : XX/XX/XXXX Issue : Charged off without dispute notice or contract validation. Violation : 1681i ( a ), 1681g Hard Inquiry Dispute : 12. XXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : Unfamiliar hard inquiry ; I did not authorize this request. Violation : 1681b ( c ), 1681c-2 ( Possible identity theft ) Harm Experienced : Due to these violations and TransUnions refusal to address them even after multiple disputes, I have : Been denied credit and housing opportunities.

Faced higher interest rates.

Suffered emotional distress and reputation damage.

Lost trust in the integrity of the credit reporting process.

Relief Sought : 1. Immediate deletion of all inaccurate and unverifiable accounts and addresses listed above.

2. A full reinvestigation into how these accounts were verified.

3. Enforcement of civil penalties against TransUnion for violating the FCRA.

4. Monetary compensation for the harm and damages caused.

5. A guarantee that these errors will not be reinserted without full compliance with 1681i ( a ) ( 5 ) ( B ).

I request CFPB to take strict regulatory action against TransUnion and ensure their compliance with federal credit reporting standards.

To Whom It May Concern, I am writing to file an official complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), 1681i, and 1681c. Despite multiple attempts to correct the inaccuracies listed below, Experian has failed to conduct a reasonable investigation or remove disputed items from my credit report, causing ongoing financial and emotional distress.

1. Inaccurate Addresses Reported ( FCRA 1681e ( b ) ) Experian is reporting addresses that I have never lived at or been associated with. These entries are false, misleading, and in violation of your obligation to maintain maximum possible accuracy : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address Violation : Reporting inaccurate address violates FCRA 1681e ( b ) maximum possible accuracy requirement.

2. Inaccurate or Unverified Accounts The following accounts are reported inaccurately and remain unverified or uncorrected, even after dispute. Each account is associated with late payments, charge-offs, or collections and is either incorrect, outdated, or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$300.00} Date Opened : XX/XX/XXXX Issue : Charge-Off Violation : Experian failed to verify the accuracy of this charge-off per FCRA 1681i ( a ) and continued reporting it after dispute. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$590.00} Date Opened : XX/XX/XXXX Issue : Late Payments Violation : Under FCRA 1681s-2 ( b ), Experian must investigate and correct any incomplete or inaccurate information. No such investigation or correction was conducted. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1600.00} Date Opened : XX/XX/XXXX Issue : Charge-Off Violation : Experian is reporting this charge-off without proper verification, violating FCRA 1681e ( b ) and 1681i. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$17000.00} Date Opened : XX/XX/XXXX Issue : Charge-Off Violation : This debt is beyond the 7-year reporting period per FCRA 1681c ( a ) ( 4 ) and should be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$12000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Violation : Reporting of outdated or unverifiable late payments violates FCRA 1681e ( b ) and 1681i. 
XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  High Balance : {$820.00} Date Opened : XX/XX/XXXX Issue : Collection Violation : No validation of this debt has been provided per FCRA 1681i ( a ) and FDCPA 809 ( 15 U.S.C. 1692g ). This collection account is unverified and must be removed. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$160.00} Date Opened : XX/XX/XXXX Issue : Charge-Off Violation : Experian is reporting this charge-off without validating the debt, violating FCRA 1681e ( b ) and 1681i ( a ).

3. Unauthorized Hard Inquiry Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Issue : Unauthorized inquiry Violation : Under FCRA 1681b ( c ), a hard inquiry must be backed by a permissible purpose. I did not authorize this inquiry. 
Summary of Legal Violations by Experian : FCRA Section Violation 1681e ( b ) Failure to ensure maximum possible accuracy 1681i Failure to investigate and correct disputed information 1681c ( a ) ( 4 ) Reporting obsolete accounts ( over 7 years ) 1681s-2 ( b ) Continued reporting of inaccurate information 1681b ( c ) Hard inquiry without permissible purpose Relief Requested : 1. Immediate deletion of the inaccurate addresses listed 2. Full investigation and removal of all inaccurate, unverifiable, and obsolete accounts 3. Removal of the unauthorized hard inquiry dated XX/XX/XXXX 4. A formal letter confirming all corrections and removals XXXX. Compliance with all applicable provisions of the FCRA and FDCPA I have suffered ongoing damage to my creditworthiness, emotional distress, and lost financial opportunities due to Experian 's negligence and non-compliance. If not resolved promptly, I will escalate this matter further and pursue all legal remedies available.

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