Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this 5th follow-up complaint regarding the ongoing inaccuracies and unverifiable data on my credit reports with Experian, Equifax, and TransUnion. Despite having previously filed several complaints, these critical issues remain unresolved, and the inaccurate information continues to negatively affect my credit profile. I am requesting expedited action from the CFPB to ensure that these violations are addressed and corrected in full compliance with the Fair Credit Reporting Act ( FCRA ). 
Outdated Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are no longer associated with me and violate FCRA XXXX07 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates maximum accuracy of consumer data. FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ] also guarantees my right to accurate identifying information. 
Inaccurate Late Payment : XXXX XXXX XXXX XXXX shows a 90-day late payment from XX/XX/year>, but this late payment does not appear on my Equifax or TransUnion reports XXXX This discrepancy violates FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 623 ( a ) ( 2 ), which require that all information be consistent and verifiable.

Unverified Collection Account : XXXX XXXX XXXX XXXX reports a balance of {$430.00}. This item is unverifiable, violates FCRA 623 ( a ) ( 1 ) ( A ), and should be deleted under FCRA 605B due to its unverified nature. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are outdated and no longer associated with me, violating FCRA 609 ( a ) ( 1 ) and FCRA 611 ( a ) ( 1 ) ( A ), which require the removal of inaccurate or outdated data. 
XXXX XXXX XXXX XXXX reports a {$430.00} balance. This account continues to be unverifiable and inconsistent across the bureaus, violating FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611. It also violates FCRA 605B, which permits the blocking or deletion of unverifiable or falsely associated accounts. 
XXXX XXXX, XXXX XXXX XXXXXXXX These addresses are outdated and misleading, violating FCRA 607 ( b ) and FCRA 611 ( a ) ( 1 ) ( A ), as they fail to reflect my current address.Inconsistent Late Payment Reporting : XXXX XXXX XXXX XXXX shows a {$0.00} balance, but includes a 30-day late payment for XX/XX/year>. This report is inconsistent with other bureaus, violating FCRA 611 and FCRA 623 ( a ) ( 2 ). 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX reports a {$430.00} balance, which mirrors the disputed XXXX XXXX XXXX XXXX collection account. This account remains unverifiable and inaccurate under FCRA 623 ( a ) ( 1 ) ( A ), FCRA 611, and FCRA 605B.

The above accounts and information violate multiple provisions of the FCRA, including : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Requires maximum accuracy in consumer reports.

FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ] : Grants consumers the right to verify the accuracy of personal information.

FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] : Mandates that inaccurate or unverifiable information be deleted within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Prohibits furnishers from reporting inaccurate information.

FCRA 623 ( a ) ( 2 ) : Requires furnishers to correct and update inaccurate information.

FCRA 605B : Permits the deletion or blocking of unverifiable or inaccurately reported data.

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