Consumer complaint received 2025-06-29 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: OH

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian for reporting inaccurate, incomplete, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Experian has repeatedly failed to maintain maximum possible accuracy in my file and has continued to report outdated and inaccurate accounts and addresses despite multiple disputes and requests for reinvestigation under Section 611 of the FCRA. Below is a list of the false addresses and accounts along with a detailed explanation of the errors and applicable laws XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Wrong Address Issue : This address is incorrectly associated with me. I have never lived at, worked at, or had any financial relationship tied to this address Law : FCRA 607 ( b ) Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports Story : The presence of this false address has led to misidentification and the inclusion of inaccurate accounts on my credit file. This misreporting is damaging my credit standing and is a serious violation of my rights under the FCRA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Wrong Address Issue : I have no connection to this address. It is not a former or current address of mine, and its presence is misleading and factually incorrect Law : FCRA 605 ( b ) & 610 Experian must ensure that consumer reports contain only accurate and verified personal identifying information Story : This address has resulted in the blending of my file with that of another individual, a practice known as " mixed file, '' and it has introduced derogatory accounts that do not belong to me, impacting my ability to obtain credit and financial opportunities XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Charge Off Date Opened : XX/XX/year> | High Credit : {$10000.00} Issue : This account is being reported as a charge-off despite being inaccurate and unverifiable. I have no recollection or record of this account being valid, and all requests for verification have gone ignored Law : FCRA 609 ( a ) ( 1 ) A consumer has the right to request and receive all information in their file including the sources of information. FCRA 611 ( a ) Credit reporting agencies must reinvestigate disputed information within XXXX  days and delete any information that can not be verified Story : This account is causing significant damage to my creditworthiness. I have repeatedly requested proof of this debt, but Experian has failed to provide any documentation or verification from the data furnisher. Reporting an unverifiable account as a charge-off is reckless and unlawful, and it is affecting my housing and employment prospects. Experian has failed its obligation to ensure the accuracy and integrity of consumer information under the FCRA and continues to harm me through negligent reporting Experians continued failure to delete or correct this information despite my written disputes shows willful noncompliance with federal law. I am requesting the CFPB to conduct a thorough investigation into Experian 's reporting practices and demand immediate correction and removal of the false addresses and the unverifiable charged-off account. Additionally, I request Experian be held accountable for these violations under the FCRA and appropriate enforcement actions be taken

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