Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
I am filing this complaint because my consumer report contains false, inaccurate, and unverifiable information that is severely damaging my credit profile and violating my consumer protection rights under federal law. I have consistently requested fair investigation and correction, but the credit bureaus and furnisher have failed to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am now seeking the Consumer Financial Protection Bureaus intervention to ensure these violations are corrected immediately. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX This address is not connected to any verified or authorized credit activity. Continued reporting violates FCRA 607 ( b ) and 611 ( a ). It links my profile to unrelated data, putting my identity at risk. Failure to remove this wrong address reflects a lack of proper reinvestigation and accuracy control under federal law. I demand its immediate deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have no verified connection with this address. Reporting it violates FCRA 602A and 611 ( a ) ( 1 ) ( A ). Its continued presence suggests poor verification procedures and data negligence. It exposes my credit file to cross-contamination with another consumers data. Please remove this address immediately to ensure accuracy and compliance. 

ACCOUNTS XXXXXXXX XXXX XXXX # XXXX XXXX Balance : {$16000.00} Opened : XX/XX/year> Charge Off This account remains unverified and inaccurate. No original contract, proof of ownership, or account validation has been provided. Reporting an alleged debt without proof violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ). The inconsistent balance reporting shows unreliable data. I demand deletion for failure to validate under FCRA 611 ( a ). 

XXXX XXXX # XXXXXXXX XXXX Balance : {$3000.00} Opened : XX/XX/year> Charge Off This charge-off has never been properly validated. XXXX  has failed to produce signed documentation or verified proof. Reporting unverifiable data violates FCRA 607 ( b ), 609 ( a ) ( 1 ) ( A ), and 611 ( a ). Inconsistent information and missing documentation prove lack of accuracy. I request immediate deletion for repeated noncompliance.

I respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations. The reporting entities have ignored my previous disputes and continue to report false, incomplete, and unverifiable data. I demand immediate deletion of the false address and the inaccurate XXXXXXXX XXXX XXXX charge-off account, as they are both violating my rights under federal law. Continued reporting of inaccurate data after dispute is a knowing and willful act of non-compliance. I am requesting confirmation of all actions taken to resolve these violations and restore the accuracy of my credit report in accordance with federal consumer protection laws.

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