Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccurate items on my credit report, including a wrong address and several charge-off accounts. Under the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 611, and 623, I am entitled to accurate reporting and a thorough reinvestigation of any disputed information. I request immediate action to correct these inaccuracies and to ensure that all items reported are legally compliant and verified. The reporting of these inaccurate items has caused significant distress, harmed my creditworthiness, and impaired my ability to obtain fair financial opportunities. I demand full reinvestigation, deletion of unverifiable items, and confirmation that all corrections have been made. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address is not associated with me and should never have been reported. Continuing to keep this address in my file misrepresents my identity and ties me to accounts and activity that are not mine. Under FCRA 1681c ( f ), you can not knowingly report inaccurate or incomplete personal information, and under 1681e ( b ), you must ensure reasonable procedures for accuracy. Keeping this address creates confusion, potential identity mix-ups, and directly damages my credit standing. It is your legal responsibility to remove unverifiable addresses to maintain integrity of my file. 
Account : XXXX XXXX XXXX # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} Charge Off * * This account is being reported as a charge off but is riddled with inaccuracies. I have previously disputed it, yet you continue to maintain it without furnishing proof of its legitimacy. XXXX has a long history of regulatory violations, and inaccurate reporting of balances and payment history is a direct violation of FCRA 1681i which requires a reinvestigation when a consumer disputes. By reporting a balance of {$9500.00}, you are damaging my credit without providing validation. If you can not provide my original signed contract, complete payment history, and chain of custody for this debt, you are legally required to delete it. Any attempt to continue reporting unverifiable negative information will constitute willful non-compliance. 
Account : XXXX XXXX XXXX # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} Charge Off * * This XXXX XXXX account is inaccurate, unverified, and reported in a way that fails to meet the accuracy requirements of FCRA 1681e ( b ). The balance reported is questionable, and there has been no verification of how this debt was acquired or validated. Debt buyers often fail to maintain proper records, and unless you can prove that this account is mine with legal documents and accurate reporting, it must be deleted. Continuing to report this item without proof constitutes negligent reinvestigation under 1681i. As a consumer, I demand removal unless you can fully substantiate this account with permissible, documented evidence. 
Account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Charge Off * * This account is inaccurate and creates major harm to my file. Reporting a charge off of {$4400.00} with no verifiable proof is reckless and violates the FCRAs duty of accuracy. Accounts tied to apartment complexes or rental arrangements are often misreported, and I have no legal obligation for this debt as presented. You are required under 1681i ( a ) ( 1 ) to conduct a reasonable reinvestigation, yet no proof has been provided. If you can not obtain proper validation and supporting documentation from the furnisher, you must delete this item. Continuing to maintain an unverifiable account is a violation of consumer protection laws and demonstrates your failure to follow proper procedures. 

I request CFPB oversight in ensuring that all above-referenced items, including the incorrect address and disputed accounts, are fully investigated, corrected, or removed as required by law. I am exercising my rights under the FCRA to dispute these inaccuracies, demand reinvestigation, and expect confirmation once corrections have been implemented. The impact of these inaccuracies on my financial well-being has been substantial and unjust. I ask the CFPB to ensure compliance, monitor corrective actions, and hold responsible parties accountable.

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