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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint against TransUnion for reporting inaccurate personal information, including unauthorized inquiries and incorrect addresses, which violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 
Despite my efforts to have these errors corrected directly with TransUnion, the information remains uncorrected, resulting in reputational harm, credit denials, and emotional distress. 
Disputed Personal Information ( Wrong Addresses ) : The following addresses have never been associated with me and must be immediately deleted from my credit file : XXXX XXXX XXXX, XXXX, TN XXXX Wrong Address XXXX XXXX XXXX, XXXX, TN XXXX Wrong Address These entries are factually inaccurate and were possibly linked to fraudulent activity or reporting error.

Applicable Law : FCRA 602 ( A ) Consumers have the right to fair and accurate credit reporting.

FCRA 609 ( a ) ( 1 ) I have the right to a full and accurate file disclosure.

FCRA 611 ( a ) I have the right to dispute any inaccurate or unverifiable information.

Disputed Inquiries ( Unauthorized or Unverified ) : The following hard inquiries were not authorized by me and do not reflect any legitimate application for credit initiated by me : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX These inquiries have negatively impacted my credit profile and appear to be unauthorized, as I did not apply for any credit with these entities on or around these dates. 
Applicable Law : FCRA 604 ( a ) ( 3 ) Credit reporting agencies may only issue a credit report for a permissible purpose.

FCRA 607 ( a ) Credit bureaus must maintain procedures to avoid reporting unauthorized inquiries.

FCRA 611 ( a ) I have the right to dispute and demand deletion of unauthorized inquiries.

Statement : These inaccuracies are damaging my creditworthiness and have led to multiple issues including loan denials, high interest rates, and mental stress. TransUnion is required under FCRA 15 U.S.C. 1681 to maintain maximum possible accuracy in the information it furnishes.

I am formally requesting that TransUnion : 1. Immediately remove the incorrect addresses from my credit report.

2. Delete the unauthorized inquiries from my file.

3. Provide a corrected copy of my credit report.

4. Conduct a reasonable reinvestigation under FCRA 611 ( a ).

Supporting Documents ( to be uploaded with complaint ) : Government-issued ID Utility bill / lease for current address proof Screenshot or PDF of the disputed TransUnion report ( if available ) Resolution Requested : Deletion of wrong addresses Removal of unauthorized inquiries Updated credit report sent to my verified mailing address Confirmation that corrections have been made To Whom It May Concern, I am filing this formal complaint against Experian due to multiple serious violations of my rights under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Consumer Financial Protection Act.

Despite repeated efforts to correct my credit file, Experian continues to report false addresses and unauthorized hard inquiries that are damaging my credit standing and ability to secure housing and credit.

Disputed Addresses Never Resided The following addresses are being falsely reported under my credit file. I have never lived at or been affiliated with these locations : XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX Violation of FCRA Section 607 ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting addresses Ive never lived at is a direct violation of this law.

Unauthorized Hard Inquiries The following inquiries were made without my permission. I did not apply for credit with these companies on or around these dates, and no permissible purpose under FCRA 604 ( a ) was established. 
Creditor Name Date of Inquiry Issue XXXXXXXX  XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry XXXX  XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX Unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX Unauthorized Inquiry Violation of FCRA 604 ( a ) ( 3 ) : No permissible purpose was provided for these hard pulls. 
Violation of FCRA 604 ( c ) : Credit pulls for marketing or without written permission are prohibited.

Violation of FACTA 211 ( a ) : Credit agencies must block unauthorized inquiries upon consumer request. Experian failed to do so.

Narrative/ Harm Statement These inaccurate addresses and unauthorized inquiries have directly harmed me and my family. We have suffered financial loss and credit denials due to Experians failure to properly verify and maintain accurate information in my report. I am currently trying to rebuild my life after the loss of my home and vehicles, and these inaccuracies are causing significant distress.

Despite repeated efforts, Experian has failed to perform proper investigation or block these entries. Their negligence continues to negatively affect my ability to obtain essential credit, housing, and financial stability.

Relief Requested Under FCRA, FACTA, and the Consumer Financial Protection Act, I am requesting that Experian : 1. Permanently delete the false addresses listed above 2. Permanently delete all unauthorized hard inquiries listed 3. Conduct a full reinvestigation of these items within the time period allowed under law ( 30 days under FCRA 611 ) 4. Provide me a written confirmation of each deletion or correction Declaration I affirm that all information provided in this complaint is true to the best of my knowledge and request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure Experian complies with the law.

Company response to consumer: Closed with non-monetary relief