Consumer complaint received 2025-09-17 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:
I am filing this complaint because my credit report contains inaccurate, fraudulent, and harmful information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and my consumer protection rights. These errors are damaging my financial life and must be corrected immediately. 
Wrong Address Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX This address is not mine, never belonged to me, and its presence on my credit report exposes me to identity theft risks. Under FCRA 605B and FCRA 611, credit bureaus must block and delete any information resulting from identity theft once notified. Keeping this address violates my rights and damages my profile. Story : Because of this wrong address, lenders are questioning my identity and treating me as a possible fraud risk. I have faced embarrassing denials when applying for housing, and I feel unsafe knowing someone else may have used this address in my name. This is a clear case of identity theft risk, and I demand this to be permanently deleted. 
XXXX XXXX  Account : XXXXXXXX XXXX XXXX  Charge Off * * High Balance : {$0.00} Date Opened : XX/XX/XXXX This account is being reported as a charge-off with a {$0.00} balance, which is inaccurate and misleading. Reporting a {$0.00} balance account as a charge-off violates FCRA 607 ( b ), which requires accurate reporting. Additionally, under FDCPA 807 ( 8 ), furnishing false credit information is a deceptive practice. This account does not belong to me and should be permanently deleted. Story : This false charge-off has made it extremely hard for me to qualify for a simple credit card or personal loan. Even though the balance is showing {$0.00}, lenders still see the word charge-off and automatically deny me. This misleading reporting has damaged my reputation and caused stress every time I apply for credit. 
XXXX Account : XXXX Charge Off * * High Balance : {$0.00} Date Opened : XX/XX/XXXX This tradeline is inaccurate and fraudulent. It shows a charge-off with no balance, which can not exist without an outstanding debt. This indicates identity theft or mixed-file reporting. Under FCRA 605B, I request this account be blocked and removed as it is not mine. Continuing to report this account without validation violates FCRA 611 ( a ) ( 1 ) ( A ). Story : I never opened or authorized this XXXX account. Its false reporting is lowering my score and making it seem like I am financially irresponsible when in fact this is identity theft. I feel humiliated when employers or landlords check my credit and assume I defaulted on this account. The emotional distress and lost opportunities are real and ongoing. 
XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off * * High Balance : {$0.00} Date Opened : XX/XX/XXXX This account is being wrongfully reported. I never had such an account, and reporting it as a charge-off with a XXXX balance is misleading, harmful, and fraudulent. FCRA 602 ( A ) requires fair and accurate reporting. This account must be deleted as it can not be verified as belonging to me. Story : Because of this false XXXX charge-off, I have been denied multiple credit applications. I am being forced to pay higher deposits for utilities and even cell phone services. This has created unnecessary financial strain. I have also wasted countless hours writing disputes and explaining to lenders that this account is not mine. 
Overall Harm These false addresses, fraudulent charge-offs, and unauthorized inquiries are destroying my creditworthiness, reputation, and peace of mind. I have suffered denials, financial losses, higher interest rates, and emotional distress. Under the law, the bureaus and furnishers are required to ensure maximum possible accuracy and protect consumers from identity theft. They have failed to do so in my case. 
Relief Requested 1. Permanent deletion of all false addresses, charge-offs, and inquiries listed above.

2. Blocking of fraudulent accounts under FCRA 605B.

3. Written confirmation of deletion within 30 days.

4. Enforcement of compliance with FCRA, FDCPA, and CFPB regulations.

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