Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
I am submitting this fourth follow-up complaint because Experian, Equifax, and TransUnion continue to report inaccurate, unauthorized, and unverifiable information despite multiple disputes previously filed, demonstrating repeated violations of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Experian still lists incorrect addresses including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, while TransUnion continues to report XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX, none of which belong to me, were ever used by me, or were ever authorized for reporting, representing a clear failure to maintain accurate identifying information. In addition, several late closed accounts remain inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is still appearing with a {$0.00} balance but marked as late on Experian, Equifax, and TransUnion, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continues to show an inaccurate status on TransUnion despite a {$0.00} balance, violating their duty to reasonably investigate and correct entries. Multiple charge-off accounts are being unlawfully furnished without proper 1099-C documentation and contain inconsistent and unverifiable balancesviolating FCRA 607 ( b ) and 611including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at {$380.00} appearing on XXXX and TU ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at {$5000.00} appearing on XXXX and TU ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at {$0.00} on XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$2300.00} appearing identically on all three bureaus ; XXXXXXXX XXXX XXXX XXXX XXXX  reported inconsistently across XXXX ( {$2100.00} ), XXXX ( {$2300.00} ), and TU ( {$2300.00} ) ; and XXXX XXXX XXXX XXXX XXXX XXXX listed for {$4900.00} on both XXXX and TU. These discrepancies show that the bureaus are failing to obtain proper verification from furnishers and are instead continuing to report contradictory and outdated data. The pattern of reinsertion, lack of reinvestigation, and continued misreporting over multiple disputes shows a breakdown in the consumer reporting systems compliance obligations. Additionally, several unauthorized inquiries remain on my file without permissible purpose as required under FCRA 619 15 U.S.C. 1681q, 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ), including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX ( XX/XX/XXXX TU ). Because this is now the fourth time I am reporting the same issues, the repeated failures to remove these items indicate that the bureaus and furnishers are out of compliance with federal law and are allowing inaccurate, harmful information to remain on my credit profile without any valid justification or substantiated verification.

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