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: CA

Complaint narrative:
I am filing this formal complaint against TransUnion for their failure to maintain accurate information in my consumer report. Specifically, TransUnion is reporting two inaccurate and unauthorized addresses on my credit file, which are listed below : Inaccurate Addresses Reported by TransUnion : XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Never lived at this address ) XXXX XXXX XXXX, XXXX, CA XXXX ( Never lived at this address ) These addresses are incorrect, do not belong to me, and are being falsely associated with my credit profile. I have never lived at, been associated with, or authorized use of these addresses. Their presence on my file has caused confusion, potential misidentification, and risk of inaccurate credit reporting. 
Violation of Federal Law : TransUnions reporting of these inaccurate addresses is a direct violation of several sections of the Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( 15 U.S. Code 1681 - Congressional Findings and Statement of Purpose ) : Mandates the credit reporting agencies to ensure fairness, accuracy, and privacy of personal information. TransUnion is violating this by associating addresses that are not mine.

FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

FCRA 611 ( 15 U.S. Code 1681i ) : Mandates prompt reinvestigation and correction of disputed items in a consumers file. I previously requested correction, and these inaccurate addresses remain.

Relief Sought : I am requesting the following : 1. Immediate deletion of the following addresses from my TransUnion credit report : o XXXX XXXX XXXX XXXX XXXX, CA XXXX o XXXX XXXX XXXX, XXXX, CA XXXX XXXX. An investigation into how these addresses were associated with my file. 
3. Written confirmation from TransUnion confirming removal of these incorrect addresses.

4. Assurance that TransUnion has updated all data furnishers and affiliated reporting entities with corrected information.

Conclusion : This false association has not only violated my rights under federal law but has also exposed me to potential identity theft and inaccurate data being used in lending decisions. I demand swift action to correct this situation.

I am attaching a copy of my ID and proof of current address for verification.

Thank you for your attention to this matter.

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian, due to their failure to maintain accurate, fair, and verifiable information on my credit report, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 et seq. 
Despite previous attempts to dispute these items directly with Experian, the following accounts are being inaccurately reported and are severely affecting my creditworthiness : XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Issue : Charge-Off being reported inaccurately. Violation : This account is being reported as a charge-off without proper validation or documentation. This is a violation of FCRA Section 611 [ 15 U.S.C. 1681i ], which requires the consumer reporting agency to investigate and remove unverifiable information. " A consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1200.00} Issue : Inaccurate Late Payment history reporting. Violation : Experian has failed to provide proper documentation validating the late payment status reported on this account. According to FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], Experian must follow reasonable procedures to assure maximum possible accuracy. " Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Relief Requested : 1. Immediate deletion or accurate correction of the above accounts from my Experian credit file.

2. Written confirmation of the results of your reinvestigation and the actions taken.

3. Enforcement action against Experian for non-compliance with the Fair Credit Reporting Act.

I respectfully urge the CFPB to investigate these FCRA violations and take necessary action to ensure Experian complies with the law.

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