Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau concerning widespread, unresolved inaccuracies and procedural violations by the nationwide credit reporting agenciesTransUnion, Experian, and Equifaxthat have materially impacted my financial standing, personal identity integrity, and emotional well-being. 
Despite multiple dispute submissions in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., these agencies have failed to investigate and correct the following patently inaccurate address records : XXXX XXXX XXXX, XXXX, CT XXXX ( Incorrect Address ) XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX ( Incorrect Address ) XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( Incorrect Address ) XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX Incorrect Address ) These entries are completely unrelated to my residence history and create a significant risk of identity confusion and credit misassociation. The inclusion of multiple, false addresses violates my rights under 609 [ 15 U.S.C. 1681g ], which mandates the disclosure and accuracy of personally identifiable information. 
I have also contested several accounts with factual inaccuracies that remain uncorrected : XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charge-Off, {$3400.00}, Opened XX/XX/XXXX ) : Disputed and unresolved despite documentation ; reflects failure to comply with 611 [ 15 U.S.C. 1681i ] and 623 [ 15 U.S.C. 1681s-2 ]. 
XXXX XXXX XXXX # XXXX ( Collection, {$2400.00}, Future Opening Date XX/XX/XXXX ) : An impossible future date that alone invalidates the record under 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. 
XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late Payments, {$430.00}, Opened XX/XX/XXXX ) : Misreported payment history continues to harm my credit standing without justification. 
XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Late Payments, {$61000.00}, Opened XX/XX/XXXX ) : Duplicate and damaging reportingpotential FCRA and IRS regulation violations if any charge-off was accompanied by Form 1099-C. 
Additionally, I did not authorize the following hard inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Both inquiries were conducted without my knowledge or consent, breaching 604 ( a ) [ 15 U.S.C. 1681b ], which limits the permissible purposes for obtaining consumer reports.

All three credit bureaus have either ignored or inadequately addressed my disputes. Their failure to investigate and correct the above errors is a continued violation of my rights under FCRA 611 and constitutes willful and/or negligent noncompliance under 616 and 617 [ 15 U.S.C. 1681n, 1681o ].

I am requesting immediate enforcement action and an investigation into these agencies systemic noncompliance with federal law. My creditworthiness and privacy have been severely compromised, and I am seeking relief, deletion of erroneous items, and assurance of future compliance.

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