Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because I have identified multiple inaccurate addresses, accounts, and inquiries appearing on my credit report which are harming my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. I am demanding a thorough reinvestigation, immediate correction, and deletion of all unverifiable, inaccurate, or incomplete information. These errors have negatively affected my ability to obtain credit, housing, and fair interest rates, which is a direct violation of FCRA 602 and 607. I am asserting my rights under FCRA 611 ( a ) ( 1 ) ( A ) to dispute this information and request full compliance within the 30-day reinvestigation period. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address This address is not mine and is being reported in error, which is misleading and damaging to my credit file. I have no lease agreements, utility bills, or official documentation that connect me to this location. FCRA 607 ( b ) obligates consumer reporting agencies to ensure maximum possible accuracy, yet this address is a clear inaccuracy that must be corrected. Wrong addresses can lead to mixed files, the appearance of fraudulent accounts, and improper debt collection activities against me. I am concerned that continuing to report this address may violate FCRA 605B if it results in me being associated with accounts that are fraudulent. Please investigate thoroughly, remove this address, and ensure that no accounts are being attached to my report using this false address information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Collection XXXX XXXX This collection account is being reported without any validation of the debt or proof of ownership, which is a violation of both FCRA and FDCPA. Under FDCPA 809, debt collectors must provide validation of the debt upon request, including the name of the original creditor and an itemized accounting of the balance. Under FCRA 611, you are required to reinvestigate disputed accounts and delete them if they can not be verified. To date, I have not received any contract, signed agreement, or billing statement proving that this debt belongs to me. Reporting a collection without proper documentation damages my creditworthiness, creates an inaccurate credit file, and exposes you to liability for furnishing unverifiable information. I demand that you contact the furnisher, request original documentation, and if they can not provide it within the time allowed by law, permanently delete this item. 

XXXX XX/XX/XXXX Inquiry This inquiry is also unauthorized and must be removed under FCRA 604 ( a ) ( 3 ) and 611. I did not authorize this company to access my credit report, nor did I apply for any credit product with them. Allowing unauthorized parties to access my file is a breach of my privacy rights under FCRA 604 ( c ), which limits access to my credit report only to entities with a legitimate need and my consent. I demand removal of this inquiry immediately to restore the accuracy of my report.

I respectfully request that the Consumer Financial Protection Bureau ensure that the credit bureau and data furnishers conduct a proper reinvestigation, provide me with the method of verification, and permanently delete any item that can not be 100 % verified with documentation. Failure to comply with the FCRA and FDCPA within the required timeframe could result in legal action for statutory damages under FCRA 616 and 617. I am exercising my rights and requesting your immediate assistance to protect my credit profile and ensure accuracy, fairness, and compliance under 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