Consumer complaint received 2025-12-15 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: MA

Complaint narrative:
I am submitting this second follow-up CFPB complaint because, after carefully reviewing my credit reports from Experian, Equifax, and TransUnion, I continue to find inaccurate, outdated, unverifiable, and improperly documented information tied to both my personal identifying data and multiple charge-off accounts and inquiries. Despite my prior disputes, the credit bureaus have failed to correct or remove information that is not reported with maximum possible accuracy, in direct violation of the Fair Credit Reporting Act. 

My only true and current address is XXXX XXXX XXXX, XXXX, MA XXXX. While this address is correctly listed, each bureau continues to report older and incorrect addresses that I do not use and have no legitimate purpose remaining on my credit file. Experian continues to report XXXX XXXX XXXX, XXXX XXXX, MA XXXX and XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX while TransUnion continues to report XXXX XXXX XXXX, XXXX XXXX MA XXXX and XXXX XXXX XXXX, XXXX XXXX, MA XXXX XXXX These addresses do not belong to me and their continued reporting violates FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ) because they are inaccurate, unnecessary, unverifiable, and create a serious risk of misidentification and file contamination.

In reviewing the accounts reported across all three bureaus, I also found multiple outdated charge-off accounts reporting zero balances that continue to appear as negative entries despite no longer being active, collectible, or verifiable. Under FCRA 605B, 607 ( b ), and 611, credit bureaus are prohibited from maintaining outdated or unverifiable accounts that no longer serve a valid reporting purpose. Experian reports XXXX XXXX XXXX ( opened XX/XX/XXXX, {$0.00} balance ), XXXX XXXX XXXX ( opened XX/XX/XXXX, {$0.00} balance ), and XXXXXXXX XXXX XXXX XXXX  ( opened XX/XX/XXXX, {$0.00} balance ). Equifax reports the same accounts under slightly different numbering, and TransUnion reports those same accounts as well, all with XXXX balances. These accounts serve no legitimate purpose and continue to harm my credit through outdated and unverifiable reporting that is required to be deleted under the FCRA.

Additionally, all three bureaus are reporting two XXXX XXXX XXXXXXXX charge-off accounts with balances exceeding {$600.00}, yet no IRS Form 1099-C has ever been issued to me for either account. Under IRS regulations, a creditor must issue a 1099-C when a debt of {$600.00} or more is canceled, and because no such form has been issued, these debts have not been formally forgiven or discharged. Despite this, the bureaus continue to report these accounts as Profit and Loss Write-Offs or Charge-Offs, which is misleading and harmful. Experian reports XXXX XXXX XXXXXXXX account XXXX ( opened XX/XX/XXXX, balance {$23000.00} ) and account XXXX ( opened XX/XX/XXXX, balance {$1700.00} ). Equifax and TransUnion report the same accounts under their respective numbering. This reporting violates FCRA 605B, 607 ( b ), and 611, because the accounts are not being reported accurately or in a verifiable manner and continue to damage my credit through misleading status designations.

Another ongoing issue is the reporting of unauthorized and unverifiable credit inquiries, which violates FCRA 604 ( a ) ( 3 ) because a consumer report may only be accessed with a valid permissible purpose. I have the right under FCRA 611 and 609 ( a ) ( 1 ) to dispute and demand proof of authorization for these inquiries, yet none were initiated by me. Experian reports XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXX/XX/XXXX ), and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ). Equifax reports XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XX/XX/XXXX ). TransUnion reports XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). These inquiries are not associated with any application or authorization from me and should have been removed during prior investigations. 

What is most concerning is that these violations appear across all three major credit bureaus simultaneously, demonstrating a pattern of noncompliance and failure to maintain reasonable procedures to ensure accuracy. Instead of properly verifying disputed information or deleting what can not be verified, the bureaus have allowed incorrect addresses, outdated XXXXbalance charge-offs, misleading charge-off reporting without a 1099-C, and unauthorized inquiries to continue damaging my credit file.

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