Consumer complaint received 2025-09-15 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: IN

Complaint narrative:
This is a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Consumer Financial Protection Act. The following accounts and inquiries are inaccurate, unverifiable, and continue to cause me severe financial and emotional harm. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address this address is also not mine and its continued reporting violates the same statute the presence of this address has created a mixed file situation with another consumer that has nothing to do with me and I have received mail and collection notices for accounts that do not belong to me I have been placed under unnecessary financial stress and emotional distress because creditors assume I am tied to debts linked to this address this is a direct violation of FCRA 611 ( a ) ( 5 ) which prohibits reinsertions without proper notice yet the bureau has re-reported it after previous disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address this is a completely fabricated association I have never lived here and never applied for any credit with this address yet it remains on my file creating a misleading credit profile I have been denied auto financing because of the risk factor tied to this wrong address which is financial damage and reputational harm under FCRA 623 ( a ) ( 1 ) ( A ) the reinsertion of this address after removal shows willful noncompliance with federal law XXXXXXXX XXXX XXXX XXXX  XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Charge Off * * this account is being reported as a charge off but no creditor has provided validation under FCRA 609 and FCRA 611 I have never received any signed contract or itemized statements proving this alleged balance reporting it as a charge off without verification is false and unlawful this negative reporting caused me to be denied a mortgage pre-approval and the lender cited this exact charge off as the reason I have spent months attempting to resolve it with no proof provided yet the bureau continues to damage my financial reputation which is actionable under FCRA 616 & 617 XXXX XXXX * High Balance : {$290.00} Date Opened : XX/XX/XXXX Late Payment * * this account is inaccurately showing late payments when in fact I never received proper billing statements to prove any delinquency the creditor has failed to provide evidence and is knowingly reporting false information in violation of FCRA 623 ( a ) ( 1 ) ( A ) this negative reporting lowered my score significantly which directly impacted my ability to rent a home for my family as the landlords system flagged me as high risk I had to pay higher deposits and faced humiliation and financial loss because of an error that is not mine XXXX XXXXXXXX XXXX * High Balance : {$690.00} Date Opened : XX/XX/XXXX Collection This collection account is being reported without validation of the alleged debt in violation of FDCPA 809 ( b ). I have disputed this multiple times and no original signed contract or itemized statement has ever been provided. The continued reporting of this unverifiable account violates FCRA 623 ( a ) ( 1 ) ( A ) which prohibits knowingly reporting false information. As a result of this collection I was denied a rental application and forced to pay a higher security deposit which created direct financial harm.

I am demanding immediate and permanent deletion of these inaccurate charge off collection and unauthorized inquiries from my credit file these items are unverifiable and reported in violation of federal law if not removed I will pursue legal remedies including but not limited to filing suit for damages under FCRA 616 & 617 and FDCPA 813 I respectfully request the CFPB to investigate these violations hold the credit bureaus and furnishers accountable and ensure that my consumer credit file reflects only accurate and verifiable information as required under the law

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