Consumer complaint received 2025-08-18 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: NV

Complaint narrative:
Dear CFPB, I am submitting this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are being violated by the credit reporting agencies and furnishers of information. My credit file contains multiple wrong addresses, inaccurate account information, and unauthorized inquiries. These errors are severely harming my creditworthiness, financial opportunities, and emotional well-being. Despite my rights under FCRA to accurate, verifiable, and fair reporting, these violations continue. 
Below are the specific items being reported inaccurately : Wrong Addresses XXXX XXXX XXXX, XXXX XXXX, NV XXXX Issue : Wrong Address Law : FCRA XXXX ( b ) Story : I have never been to this property, let alone resided there. When lenders see XXXX XXXX, NV addresses on my report, they assume I have ties there and may have unpaid accounts connected to Nevada jurisdictions. This false association is damaging because it creates doubt about my honesty and credibility, and it has already led to one rejection on a loan application where the underwriter questioned why my credit report shows addresses in two completely different states. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Issue : Wrong Address Law : FCRA 611 ( a ) ( 1 ) Story : This address is not mine and never has been. Keeping it listed makes my credit profile look unstable, as if I am constantly moving or hiding my true location. In reality, I have maintained stable residency, but these errors make me appear unreliable in the eyes of lenders, landlords, and even employers. This error also increases the likelihood of a mixed file situation, where someone elses accounts get reported under my name. 
Accounts CRDT First Acct : XXXX * * * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} Issue : Late Payment Law : FCRA 607 ( b ) ; FDCPA 809 Story : Just like the XXXX account, this account reflects false late payment history. I have been portrayed as someone who does not pay bills on time, which is damaging to my reputation. I was denied a credit card upgrade because of this false entry. Such reporting harms my ability to secure fair credit terms and creates unnecessary stress in my daily life. 
XXXX XXXX Acct : XXXX * Date Opened : XX/XX/XXXX | Balance Owed : {$40000.00} Issue : Charge Off Law : FCRA 611 ( a ) ; FDCPA 807, 809 Story : This so-called charge-off is completely unrecognizable to me. I never signed for or authorized any account with XXXX XXXX for {$40000.00}. This is a massive amount of money to be reported without any verification. The presence of this charge-off has made me look like a high-risk borrower and has resulted in denial of credit and increased interest rates on applications where I was approved. The reporting of an unverifiable and false debt of this size is extremely damaging to my life, my financial opportunities, and my peace of mind. This must be removed immediately. 
Conclusion These repeated violations of the FCRA and FDCPA are causing me financial harm, denial of credit, reputational damage, and emotional distress. I am requesting that CFPB hold the credit reporting agencies and furnishers accountable for these failures to comply with federal law. 
I am demanding : Removal of all wrong addresses listed above. 
Deletion of false late payment notations from XXXX XXXX and XXXX XXXX. 
Removal of the unverifiable XXXX XXXX charge-off. 
Deletion of the unauthorized XXXXXXXX XXXX  DE and XXXX inquiries. 
Confirmation that my credit file has been corrected and updated. 
I respectfully request that CFPB investigate these violations and ensure that the credit reporting agencies and furnishers comply with their legal obligations under the FCRA and FDCPA. I expect a full response and corrective action as required by law.

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