Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against the credit reporting agencies and furnishers for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), specifically related to the inaccurate reporting of addresses and unverifiable accounts on my credit report. I have attempted to resolve these disputes directly with the credit bureaus, but the issues remain unresolved. 
INCORRECT ADDRESSES. XXXX XXXX XXXX, MI XXXX WRONG ADDRESS I have never lived at or used this address in any personal, financial, legal, or residential capacity its presence on my credit report is inaccurate and creates confusion with identity and account linkage this address may have been added through clerical error or due to a mixed file situation the presence of this address violates FCRA Section 607 ( b ) which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy because of this wrong address I have experienced stress, loss of creditworthiness, and suspicion of fraud I am demanding the immediate deletion of this address. XXXX XXXX XXXX XXXX, MI XXXX WRONG ADDRESS This address is unfamiliar and unrelated to any point in my life it is not on any credit, bank, employment, or housing application I have submitted I suspect this address was erroneously added possibly due to identity confusion or credit file merging with another individual the listing of this incorrect address is damaging my credit profile and is in violation of FCRA Section 611 and 607 ( b ) Ive been denied financial products due to suspicion surrounding my report which is worsened by incorrect addresses I demand immediate removal of this incorrect address DISPUTED ACCOUNTS. XXXX XXXX XXXX Account # XXXX CHARGE OFF High Balance : {$19000.00} | Date Opened : XX/XX/XXXX This account is reporting as a charge-off with a high balance which I do not recognize nor agree with I have previously disputed this account and no valid documentation has ever been provided to confirm the validity of the debt I have not received any signed loan agreement, itemized statements, or payment breakdown from the creditor this violates FCRA Section 609 ( a ) ( 1 ) which requires furnishers to provide evidence of account accuracy and Section 1681s-2 ( b ) which requires proper investigation upon dispute this account has caused my credit to drop severely resulting in denial of housing, employment, and transportation I request immediate deletion unless it can be fully verified with actual signed legal documents. XXXXXXXX XXXX  Account # XXXX CHARGE OFF High Balance : {$21000.00} | Date Opened : XX/XX/XXXX This account is being reported as a charge-off under my credit profile but I have no knowledge or record of ever applying for or receiving a loan from this lender I believe this may be a case of identity theft or erroneous linking due to a similar name or social security number I have never received bills, statements, or contact from XXXX XXXX which proves there was no relationship between us under FCRA Section 609 I have the right to see documentation verifying the validity of the debt no such evidence has been provided and this entry continues to damage my credit and mental well-being I request permanent deletion of this account unless proper legal documents are shown to verify it SUMMARY OF HARMS Due to the inclusion of multiple wrong addresses and unverified accounts, I have suffered from : Denials of credit, loans, and housing Suspicion of fraud and identity theft Emotional distress and XXXX  Increased interest rates due to damaged credit Reputational harm Despite multiple disputes and evidence submitted, the credit bureaus and furnishers have failed to act in compliance with federal law. 
REQUEST FOR CFPB INTERVENTION I respectfully request the CFPB investigate this matter and ensure the credit bureaus and data furnishers comply with the Fair Credit Reporting Act by : 1. Permanently removing the four incorrect addresses from my credit report 2. Deleting or ceasing to report the disputed accounts if validation can not be legally and properly provided 3. Imposing accountability on the furnishers and bureaus for failure to investigate and correct these inaccuracies Thank you for your time and assistance in protecting my consumer rights.

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