Consumer complaint received 2025-07-09 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:
To Whom It May Concern, I am filing this formal complaint against TransUnion for multiple violations under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act. I have repeatedly attempted to correct inaccurate, outdated, and unverifiable data on my credit file, yet TransUnion has continued to report these items negligently and with reckless disregard for accuracy, fairness, and due process. Below are the items I am disputing with complete details including the applicable legal violations. I demand an immediate and permanent correction and removal of these entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address I never lived at this location. This listing misrepresents my identity and personal history and could expose me to fraud risk. TransUnion has failed in its duty to assure accurate information under FCRA 607 ( b ) and failed to investigate as required under FCRA 611. Continuing to publish and disseminate false addresses constitutes willful noncompliance under FCRA 616. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address I have never had any connection with this address. Its presence misrepresents my credit history and identity and has led to false assumptions by lenders. I have submitted disputes but TransUnion failed to reinvestigate or provide documentation verifying this address in violation of FCRA 609 ( a ) ( 1 ) and FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment * * This account was reported with late payments which I strongly dispute. I had documented hardship during the pandemic, and submitted payment plans, forbearance requests, and communications with the lender. These late marks are unjustified, unverified, and violate FCRA 611, FCRA 607 ( b ), and FCRA 605 ( b ) for continuing to report derogatory information without reinvestigation. I also request the payment history be corrected under CFPB Bulletin 2014-01 which addresses consumer protections in credit reporting. Failure to update or suppress derogatory information related to pandemic hardship constitutes unfair, deceptive, and abusive acts under U.S. Code 5531 - Prohibiting Unfair, Deceptive, or Abusive Acts or Practices. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Status : Charge-Off * * This account is being reported as a charge-off without verifying my identity or the underlying debt. I have repeatedly asked TransUnion for validation and documentation under FCRA 609 ( a ) ( 1 ) and FCRA 611, but have received none. Reporting a charge-off without full documentation and validation is a violation of FCRA 602 ( b ) and FCRA 607 ( b ). Moreover, this account may have been settled or sold, yet TransUnion has failed to update the status and is publishing misleading data which violates FCRA 623 ( a ) ( 2 ) and FCRA 605 ( a ). Additionally, this could be the result of re-aged debt, which is illegal under FCRA 605 ( c ). By allowing XXXX XXXX  to misrepresent the charge-off, TransUnion is facilitating unlawful debt collection practices. 
XXXX XXXX XXXX  Inquiry on XX/XX/XXXX I did not initiate any application with this entity. This inquiry was made without my consent and TransUnion has failed to provide any permissible purpose or documentation, violating FCRA 604 ( a ) and 609 ( a ) ( 1 ). 
XXXX XXXX Inquiry on XX/XX/XXXX I never authorized this inquiry nor did I apply for any credit with this institution. This is a false hard inquiry and violates FCRA 604 ( a ) ( 2 ) and 604 ( f ) for failing to obtain written instructions. 
XXXX XXXX XXXX Inquiry on XX/XX/XXXX Another variation of the above inquiry without authorization. Possibly duplicate or fraudulent. Reporting unauthorized inquiries lowers my credit score and creates reputational damage. Violates FCRA 604, 609, 611. 
Relief Requested Immediate removal of all inaccurate and unverifiable addresses Permanent deletion or correction of the listed account entries Deletion of all unauthorized and unverifiable hard inquiries Reinvestigation under FCRA 611 with full documentation from furnishers Written verification of actions taken and updated credit file Civil liability imposed under FCRA Section 616 and 617 for willful and negligent noncompliance TransUnion has shown a consistent pattern of failure to fulfill its legal obligations. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate and take enforcement action for these serious violations.

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