Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this formal complaint against Experian for continued violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681, by reporting inaccurate personal information, erroneous account information, and an unauthorized credit inquiry all of which are causing me measurable harm. Despite my previous efforts to dispute these inaccuracies, TransUnion has failed to investigate, correct, or delete the false information as required by law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : This is a corrupted or mistyped version of the prior incorrect address.

Law Violated : FCRA 607 ( b ) mandates accurate data entry and recordkeeping.

Story : This typo not only proves lack of data accuracy but shows negligence by TransUnion in maintaining data integrity. It creates confusion during automated verifications with lenders. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : I have never lived in XXXXXXXX XXXX  This address is incorrectly included in my file.

Law Violated : FCRA 611 ( a ), 607 ( b ) Story : The addition of this false address has hurt my rental applications and caused suspicion about my stability and credibility. I have submitted supporting documents proving I never resided here. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Duplicate of previously mentioned false address.

Law Violated : FCRA 607 ( b ), 611 ( a ) Story : Despite prior disputes, this duplicate address remains. TransUnion failed to delete this after notice, showing poor reinvestigation process and non-compliance with FCRA.

Late Payments ( Inaccurate or Harmful ) FCRA 623 ( a ) ( 1 ) ( A ), 607 ( b ), CARES XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$1000.00} * * Issue : Incorrect late payment being reported despite timely payments.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ) Story : I made timely payments on this account. I even contacted the creditor, and they confirmed there was no delinquency. TransUnion is misreporting this, affecting my creditworthiness and causing loan denials. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$800.00} * * Issue : Late payment reported during COVID hardship period.

Law Violated : CARES Act, FCRA 623 ( a ) ( 1 ) ( A ) Story : I was approved for hardship deferment under CARES Act. Reporting me late during this period is a direct violation. I have documentation proving eligibility. 
XXXX Acct # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$2500.00} * * Issue : False late mark after payment system failure.

Law Violated : FCRA 611 ( a ) Story : Payment was made but not processed due to their system downtime. I submitted a dispute, but TransUnion continued to report it. This is harming my mortgage pre-approval. 
XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$3200.00} * * Issue : Recent account falsely flagged as late immediately after opening.

Law Violated : FCRA 607 ( b ) Story : There was no billing cycle completed when the late status appeared. This proves gross inaccuracy and lazy reporting. This kind of error has a significant impact on my newly established credit history. 
XXXX Acct # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$1000.00} * * Issue : Late mark due to internal processing delay.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) Story : I submitted a dispute through the creditor who acknowledged error but TransUnion didnt update it. They are violating their duty to maintain accurate records after notification. 
XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Multiple Accounts * * Issue : Late payments reported during deferment/IDR/forbearance periods.

Law Violated : FCRA 623 ( a ) ( 1 ) ( A ), CARES Act Story : All these student loans were in deferment or forbearanceespecially during the federal payment pause. Reporting late payments during these periods is unlawful under the CARES Act and FCRA. These entries have blocked my access to grants, refinancing, and educational loans. 
XXXX XXXX on XX/XX/XXXX Issue : Unauthorized hard inquiry on my credit without my consent.

Law Violated : FCRA 604 ( a ) ( 3 ) Story : I never applied for credit with ONEMAIN on or around this date. This hard pull was done without a permissible purpose, which is a violation of federal law. It lowered my credit score and I demand its removal. 
Conclusion : TransUnion has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by including multiple false addresses, reporting inaccurate or outdated payment information, and allowing unauthorized access to my credit file. I have disputed these entries multiple times with supporting documentation and have not received a fair or thorough reinvestigation. 
I respectfully request the CFPB to : XXXX XXXXXXXX delete all incorrect addresses Remove or correct all disputed accounts with verified inaccuracies Remove all unauthorized inquiries Ensure compliance with FCRA 607 ( b ), 611 ( a ), 623 ( a ), and the CARES Act Provide me with written notice of the actions taken

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