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: NC

Complaint narrative:
I am filing this complaint against Equifax for gross inaccuracies, unverified data reporting, and failure to comply with the Fair Credit Reporting Act ( FCRA ). My consumer rights under federal law have been consistently violated, leading to severe damage to my credit profile and financial wellbeing. 
Despite multiple attempts to have inaccurate information corrected, Equifax continues to report unverifiable data and inquiries without permissible purpose, in direct violation of federal law. 
XXXX. XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$19000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Reporting FCRA Violation ( s ) : o 602 Congressional findings and statement of purpose : The consumer has a right to fair and accurate reporting.

o 611 Procedure in case of disputed accuracy : Equifax failed to investigate and correct the inaccurate late payment reporting.

o 623 Responsibilities of furnishers of information : The creditor reported inaccurate late payment without validating or correcting it when disputed. 
XXXX. XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : Unverified Hard Inquiry FCRA Violation ( s ) : o 604 ( a ) ( 3 ) Permissible purposes of consumer reports : I never authorized this inquiry, and Equifax did not confirm permissible purpose.

o 609 ( a ) ( 1 ) Disclosures to consumers : I requested verification, but Equifax failed to provide the name of the entity that certified permissible purpose. 
XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry FCRA Violation ( s ) : o 604 ( a ) ( 3 ) No legitimate business need or consumer-initiated transaction occurred to justify this inquiry.

o 611 ( a ) Equifax failed to remove this unauthorized inquiry after being notified.

Relief Sought : I request the CFPB to take the following actions on my behalf : 1. Immediate deletion of inaccurate late payment information from the XXXX XXXX XXXX XXXX  account. 
2. Immediate deletion of the unauthorized inquiries from XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and SXXXX XXXX XXXX XXXX  XX/XX/XXXX ). 
3. Enforcement of FCRA compliance by Equifax and imposition of appropriate penalties.

4. A full reinvestigation as required under 611 of the FCRA with verifiable proof of reporting accuracy or deletion.

Supporting Facts : I have maintained good standing with my credit accounts.

I have not authorized the listed inquiries.

Equifax failed to follow required FCRA procedures when I disputed these items.

These reporting errors have caused me financial harm by lowering my credit score and resulting in higher interest rates and denials of credit.

Declaration : I declare under penalty of perjury that all information submitted in this complaint is accurate to the best of my knowledge.

I am submittinga this complaint regarding multiple inaccurate and harmful items reported by TransUnion, including incorrect addresses, unauthorized inquiries, and inaccurate account reporting. Despite my efforts to dispute and correct these items directly with TransUnion, the errors persist, in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

These violations are causing serious damage to my financial reputation, credit score, and overall well-being.

Issue 1 : Reporting of Wrong Addresses TransUnion is reporting addresses on my credit file that are incorrect and do not belong to me. This constitutes a violation of FCRA 602 ( A ) and 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
Wrong Addresses Listed : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Violation of FCRA 607 ( b ) Failure to maintain reasonable procedures to ensure the accuracy of address information.

Issue 2 : Inaccurate Account Reporting Late Payment TransUnion is inaccurately reporting late payments on the following account, which I dispute as being either inaccurate or misleading. I have not been provided proper documentation validating the accuracy of this reporting. 
Account : XXXX XXXX XXXX XXXX  o Account # : XXXXXXXX XXXX XXXX  o High Balance : {$19000.00} o Date Opened : XX/XX/XXXX o Issue : Late Payment * * Violation of FCRA 611 & 623 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation and continued reporting of inaccurate information by the furnisher.

Issue 3 : Unauthorized Hard Inquiry A hard inquiry was recorded on my credit report without my consent or authorization. I never applied for any credit or service that would justify this inquiry. 
Inquiry Reported : XXXXXXXX XXXX XXXX XXXX Dated : XX/XX/XXXX This constitutes a violation of FCRA 604 ( a ) ( 3 ), which prohibits accessing a consumer report without a permissible purpose.

Violation of FCRA 604 ( a ) ( 3 ) No permissible purpose for inquiry. Violation of FCRA 605B & 609 ( a ) ( 1 ) Failure to provide complete disclosure and proper authorization.

Requested Relief : I respectfully request the following corrective actions be taken immediately : 1. Immediate deletion of the incorrect addresses listed above. 
XXXX. Full investigation and removal/correction of any inaccurate payment history for the XXXX account. 
XXXX. Deletion of the unauthorized inquiry from XXXX XXXXXXXX XXXX XXXX  dated XX/XX/XXXX. 
4. A full copy of the method of verification used for each item mentioned.

5. A statement confirming compliance with FCRA requirements and corrections made.

Conclusion : TransUnions ongoing failure to maintain accurate information violates multiple provisions of the FCRA and continues to negatively impact my creditworthiness. I demand that TransUnion take immediate corrective action as required by law. If unresolved, I am prepared to pursue further legal remedies.

Thank you for your prompt attention to this matter.

I am submitting this formal complaint against Experian for their failure to maintain accurate information on my consumer credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My report includes wrong addresses, unauthorized credit inquiries, and other derogatory data, which have severely impacted my creditworthiness and caused undue harm. Despite prior efforts to dispute these errors, Experian has refused to take corrective action. 
XXXX. Inaccurate Personal Address Information The following addresses are being reported on my credit file, but I have never resided at or used these addresses for any financial purpose : XXXX XXXX XXXX, XXXX, NC XXXX Incorrect and never associated with me. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX Completely false ; no connection to this address. 
Violation : FCRA 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 
XXXX. Unauthorized or Unverified Hard Inquiries I also discovered unauthorized hard inquiries that were never approved by me. These inquiries are hurting my XXXX XXXX and were made without my consent or any permissible purpose. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Violation : FCRA 1681b ( f ) A consumer reporting agency may not furnish a consumer report to any person or entity without a permissible purpose. Violation : FCRA 1681b ( a ) ( 3 ) Defines strict criteria for when a hard inquiry is permissible.

These inquiries were not associated with any credit application or transaction initiated by me, and therefore constitute unauthorized access to my credit file.

Relief Requested : I respectfully request that the Consumer Financial Protection Bureau : 1. Conduct a full investigation into Experians failure to maintain accurate personal data. 
2. Order Experian to delete the incorrect addresses from my credit report. 
XXXX. Direct Experian to remove the unauthorized hard inquiries from XXXX XXXX XXXX and XXXX XXXX. 
4. Compel Experian to provide written verification for any data they claim to have verified.

5. Pursue penalties and compliance measures under FCRA 1681n for willful noncompliance.

Declaration : I affirm that all information provided in this complaint is accurate and truthful to the best of my knowledge. I am requesting immediate intervention and resolution, as these violations are causing serious harm to my financial reputation and opportunities.

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 non-monetary relief