Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
To Whom It May Concern I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian for continuously reporting inaccurate, unverifiable, and damaging information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). I have made multiple attempts to resolve these issues directly with Experian, but they have failed to conduct proper investigations or remove erroneous entries as required by law. The information reported is not only inaccurate but also harmful to my creditworthiness, financial stability, and mental well-being. I am demanding immediate investigation and removal of the following : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX Wrong Address I have never lived at this address nor have I ever used it in connection with any credit, banking, rental, or financial account. Experians inclusion of this address on my file violates FCRA 1681e ( b ), which requires the use of reasonable procedures to ensure maximum possible accuracy of the information. This false address poses a risk of identity confusion or fraud and has caused me to be denied rental applications and delayed financial verifications. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX Wrong Address This address has never been associated with me in any capacity. Its appearance on my credit report reflects a gross failure on the part of Experian to maintain accurate identifying information, violating FCRA 1681c ( a ) ( 4 ). Despite my previous disputes, Experian has continued to retain this address which is misleading and could be indicative of identity theft or file mixing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$600.00} Date Opened : XX/XX/XXXX Status : Charge Off This account is being reported as a charge-off, but I have never received proper validation from the furnisher. Despite submitting a formal dispute, neither the creditor nor Experian provided original documentation or proof that the debt is valid and belongs to me. Reporting this account violates FCRA 1681s-2 ( b ), FCRA 1681e ( b ), and FDCPA 809 ( b ) as they failed to conduct a reasonable investigation or ensure accuracy. This inaccurate charge-off has contributed to loan rejections and harmed my creditworthiness unfairly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$5200.00} Date Opened : XX/XX/XXXX Status : Collection I do not recognize this collection account and have never received any notice or communication from this company. I sent a debt validation request as allowed under FDCPA 809 ( b ), but they failed to respond. Under FCRA 1681i ( a ), Experian must delete unverifiable information after a consumer dispute, yet they continue to report it. This entry is false and has negatively impacted my ability to secure auto financing and added severe stress to my daily life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1900.00} Date Opened : XX/XX/XXXX Status : Collection This collection was placed on my credit file without any verification or contract agreement. I never conducted any business with this company and received no written validation or itemized statement. Experians continued reporting of this debt violates FCRA 1681e ( b ), FCRA 1681i ( a ), and FDCPA 807. This account caused me to be denied a student loan application and increased financial hardship. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXigh Balance : {$4700.00} Date Opened : XX/XX/XXXX Status : Charge Off I never opened this XXXX XXXX account. I believe this may be a result of identity theft or a mixed file. When I disputed this with both XXXX and Experian, I was never provided any original application, signature, or billing statement that proves I was the responsible party. Continuing to report this unverified account after dispute is a direct violation of FCRA 1681s-2 ( b ), FDCPA 807, and FCRA 1681n. This charge-off has caused me to be denied rental housing and affected my job screening. 
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXX Status : Charge Off I have no knowledge of this account and never financed any product or service through XXXX XXXX. This may be a case of identity mix-up or inaccurate reporting. My dispute has gone unresolved, and no documentation has been provided to verify the accuracy of this debt. This is a violation of FCRA 1681c-2, 1681e ( b ), and FDCPA 809. This incorrect charge-off has affected my ability to qualify for housing and disrupted my financial standing. 
Experians repeated failure to correct or remove inaccurate, unverified, and damaging information violates multiple sections of the FCRA and FDCPA. I have suffered emotionally, financially, and personally as a direct result of their negligence. Under FCRA 1681i, they are required to complete an investigation within 30 days, but no proper resolution was provided. I request that the CFPB investigate these matters, take enforcement action if necessary, and help ensure that these inaccurate items are permanently removed from my credit report. Please also ensure that Experian provides me with a full and updated copy of my corrected credit report once the investigation is completed.

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