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: VA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Equifax for willfully and negligently reporting inaccurate and unverifiable information on my credit report, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

Despite multiple attempts to correct these errors, Equifax continues to report false personal information and an inaccurate account, which has caused me significant financial and emotional distress, including loan denials and increased interest rates. 
Inaccurate Addresses Being Reported Equifax is reporting addresses that do not belong to me, were never associated with me, and are completely unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Violation of FCRA 607 ( b ) : A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Equifax failed to follow such procedures and did not verify the accuracy or ownership of these addresses. 
Inaccurate Account Information XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2700.00} Issue : Charge-Off ( Inaccurate and unverifiable reporting ) This account is being reported with a charge-off status that I have disputed multiple times without resolution. I have not received any proof of verification or reinvestigation results, as required by law.

Violation of FCRA 611 ( 15 U.S. Code 1681i ) : When a consumer disputes the accuracy of any item, the CRA must conduct a reasonable reinvestigation to determine whether the disputed information is accurate, and must delete or modify the item if it can not be verified.

Violation of FCRA 609 ( a ) ( 1 ) : I requested documentation from Equifax to verify this account 's ownership and validity, but none has been provided.

Violation of FCRA 602 ( Congressional Findings and Statement of Purpose ) : Consumers have the right to fair and accurate credit reporting, and failure to do so can result in unjust denial of credit and other financial harm.

IMPACT Due to Equifaxs failure to maintain accurate information : I was denied for credit cards and auto financing.

My credit score has been unfairly reduced.

I have suffered emotional stress and reputational damage.

DEMAND FOR RESOLUTION I respectfully request the Consumer Financial Protection Bureau to investigate this matter and instruct Equifax to : 1. Delete the incorrect addresses : o XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Remove or verify the XXXX XXXX  account ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with full documentation. If Equifax is unable to provide verification, this account must be deleted immediately per FCRA 611.

3. Provide a written explanation of the investigation results, with copies of any verification received.

To Whom It May Concern, I am submitting this formal complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and correct inaccurate information on my credit report despite multiple disputes.

1. Reporting of Inaccurate Addresses ( Violation of FCRA 607 ( b ) ) TransUnion is reporting the following addresses which are incorrect and not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address These addresses are inaccurate and have caused confusion in the verification of my identity and credit profile. According to FCRA 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Failure to correct this is a clear violation.

2. Inaccurate and Unverified Account Reporting ( Violation of FCRA 611, 607 ( b ), and 602 ) TransUnion is also reporting inaccurate, outdated, and unverified derogatory information on the following accounts : XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2700.00} Issue : Charge-Off This account is inaccurately reported and has not been validated despite prior disputes. The balance and account status are disputed. Reporting outdated charge-offs without proper investigation violates FCRA 611 ( failure to reinvestigate disputed information ) and 607 ( b ) ( failure to ensure accuracy ). 
XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3000.00} Issue : Charge-Off Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1300.00} Issue : Charge-Off Both accounts are showing as charged-off. However, I have reason to believe that either these accounts are duplicates or incorrectly reported. I requested verification, but TransUnion failed to provide evidence that these tradelines are accurate and legally reportable under the FCRA. 
According to FCRA 611, if a consumer disputes the accuracy of any item of information contained in their file, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item.

Legal Grounds for This Complaint FCRA 602 Consumer credit reporting must be fair and equitable to the consumer.

FCRA 607 ( b ) Obligation to ensure maximum possible accuracy.

FCRA 611 ( a ) Duty to reinvestigate disputes.

FCRA 609 ( a ) Right to request verification and sources of information.

FCRA 605 ( a ) Certain adverse information must not be reported beyond 7 years.

Requested Relief I am respectfully requesting the following : 1. Immediate removal of the incorrect addresses from my credit report.

2. Complete investigation and deletion or correction of the listed accounts due to inaccurate or unverifiable data.

3. A full explanation and documentation showing how these items were verified.

4. Compensation for any harm or credit denials caused by the negligence in reporting.

If TransUnion continues to report these items without proper validation and correction, I am prepared to escalate this matter further, including seeking legal representation under the FCRA 's private right of action ( 616 and 617 ).

Dear CFPB, I am filing this complaint to formally report Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) by including and failing to remove the following incorrect and unauthorized address from my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have never resided at this address, nor have I ever been associated with it in any legal, financial, or personal capacity. The continued presence of this address on my credit report is a clear violation of FCRA 607 ( b ), which requires credit reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of the information they report.

Violation of Law : FCRA 607 ( b ) : Experian is obligated to report accurate information and correct or delete inaccurate data after proper investigation.

FCRA 611 : When a consumer disputes any information on their credit report, the CRA is required to conduct a reasonable investigation within 30 days. Experian has failed to do so.

FCRA 609 ( a ) ( 1 ) : As a consumer, I have the right to know the source and reporting party of every piece of information listed on my report. I have not received any proof verifying how or why this address was added to my file.

Background : This erroneous address has caused me serious harm, including : Mismatched account verifications and loan denials Suspicion of file merging or identity confusion Distress in correcting future reporting issues tied to this address Despite multiple disputes and direct contact with Experian, this address remains on my credit file. Experians failure to remove this inaccurate information constitutes willful noncompliance and negligence under the FCRA.

Requested Resolution : I respectfully request that the CFPB : 1. Investigate Experians reporting and reinvestigation process in this matter 2. Order the immediate deletion of the inaccurate address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Enforce compliance and impose penalties if Experian is found to have willfully violated the FCRA 4. Require Experian to send written confirmation to me that the address has been removed from my credit file Thank you for your attention to this matter. I trust the CFPB will hold Experian accountable for their failure to meet federal standards for credit reporting.

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