Consumer complaint received 2025-06-10 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:
Dear CFPB Officer, I am submitting this complaint regarding the ongoing, severe, and unlawful mishandling of my personal credit information by multiple furnishers and credit reporting agencies. My credit report contains numerous inaccurate, unverifiable, and misleading entries, including false addresses, wrongful charge-offs, improper collections, and late payments. These entries are causing serious harm to my creditworthiness and financial stability and violate my rights under federal law.

Despite multiple disputes filed with the credit bureaus, the inaccurate information remains unresolved. I believe this is in clear violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

CARES Act & Higher Education Act For federally backed student loans.

WRONG ADDRESSES ( Never Lived At, Not Authorized, or Fraudulently Reported ) The following addresses are incorrectly associated with my credit file. I never lived at these locations, nor did I authorize any reporting associated with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information in my credit file. 
INACCURATE AND DAMAGING ACCOUNT REPORTING CHARGE-OFFS : 1. XXXX Acct : XXXXXXXX XXXX High Balance : {$460.00} | Opened : XX/XX/XXXX o Issue : Improper charge-off, not properly validated. 
o Violation : FCRA 1681s-2 ( b ), FDCPA 809.

2. XXXX XXXX XXXX Acct : XXXXXXXX XXXX High Balance : {$1000.00} | Opened : XX/XX/XXXX o Violation : Reporting charged-off status without investigation ; multiple entries from same creditor. 
o FCRA 1681i, 1681e ( b ) 3. XXXX XXXX XXXX  Acct : XXXXXXXX XXXX  High Balance : {$510.00} | Opened : XX/XX/XXXX o Duplicate / Inaccurate Reporting. 
o Violation : FCRA 1681c-2.

4. XXXX XXXXXXXX XXXX XXXXXXXX Acct : XXXX XXXX  High Balance : {$24000.00} | Opened : XX/XX/XXXX o Issue : Improper charge-off not communicated to me, and no proper validation. 
o Violation : FDCPA 807, 809 ; FCRA 1681s-2.

5. XXXXXXXX XXXX XXXXXXXX Acct : XXXXXXXX XXXX  High Balance : {$2000.00} | Opened : XX/XX/XXXX o Issue : No billing statements or validation provided. 
o Violation : FDCPA 809. 
LATE PAYMENTS ( STUDENT LOANS ) : XXXX XXXX XXXX / XXXX Accts : XXXX | Amounts : {$2700.00}, {$6000.00}, {$1700.00}, {$3500.00} | Dates : XX/XX/XXXX XX/XX/XXXX | Issue : Late payments were reported during administrative forbearance under the CARES Act. 
Violations : o CARES Act 3513 ( c ) Prohibits negative credit reporting during COVID relief.

o FCRA 1681s-2 ( a ) Unlawful furnishing of inaccurate information. 
COLLECTION ACCOUNTS : XXXX. XXXX XXXX XXXX Acct : XXXX High Balance : {$760.00} | Opened : XX/XX/XXXX o No debt validation received. 
o Violation : FDCPA 809, FCRA 1681i.

2. XXXX XXXX XXXX Acct : XXXX High Balance : {$470.00} | Opened : XX/XX/XXXX o Re-aged collection, reported multiple times. 
o Violation : FDCPA 807 ( 8 ), FCRA 1681c.

3. XXXXXXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX : {$110.00} | Opened : XX/XX/XXXX o No written validation upon request. 
o Violation : FDCPA 809.

4. XXXX XXXX XXXX Acct : XXXX High Balance : {$1300.00} | Opened : XX/XX/XXXX o Reporting old account as new. 
o Violation : FCRA 1681c Obsolete information.

5. XXXX XXXX XXXX Acct : XXXX * High Balance : {$700.00} | Opened : XX/XX/XXXX o Known for purchasing and re-reporting expired debt. 
o Violation : FDCPA 807, FCRA 1681e ( b ).

6. XXXX XXXX ( Duplicate entry ) o Issue : Multiple entries for same account, damaging credit score.

o Violation : FCRA 1681s-2 ( b ), FDCPA 808.

LEGAL GROUNDS FOR CFPB INVESTIGATION : 1. FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure accuracy.

2. FCRA 1681i ( a ) : Failure to properly investigate disputes within 30 days.

3. FCRA 1681c : Reporting obsolete information.

4. FCRA 1681s-2 ( b ) : Duty of furnishers to investigate disputed information.

5. FDCPA 809 : Lack of debt validation upon request.

6. FDCPA 807 : False, misleading, or deceptive reporting.

7. CARES Act 3513 ( c ) : Prohibits negative reporting on federally held student loans during forbearance.

RELIEF REQUESTED : Immediate deletion of all incorrect addresses.

Permanent removal or correction of all inaccurately reported accounts.

Written explanation and evidence of resolution from each data furnisher.

Sanctions for creditors who fail to comply with federal 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