Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against the credit reporting agencies ( Experian, XXXX XXXX XXXX ) and the furnishers of the following accounts for reporting inaccurate, unverifiable, and fraudulent information on my credit report. Despite being legally required under the Fair Credit Reporting Act ( FCRA ) to maintain maximum possible accuracy of consumer data, the bureaus and furnishers have failed to comply with multiple sections of federal law. 
The errors on my credit report have caused significant emotional distress, financial harm, and denial of credit opportunities. These items are false, misleading, and unverified, and appear to be associated with incorrect addresses that have no connection to me. 
WRONG ADDRESSES REPORTED : These addresses are completely incorrect and have no connection to me. I have never lived, received mail, nor been affiliated with these locations. Their presence on my credit report suggests severe data mismatch or possible identity misuse. 
XXXX XXXX XXXX, XXXX XXXX, NY XXXX Wrong Address XXXX XXXX XXXX, XXXX XXXX, NY XXXX Wrong Address These addresses must be permanently deleted from my credit file as they are creating confusion and linking me to accounts I have no connection with. 
ACCOUNTS REPORTED IN ERROR : Below are the accounts that are either fraudulent, misreported, or completely unverifiable. Each of these entries contains inaccurate data, is not associated with my verified credit history, and appears to be linked to those incorrect addresses. 
XXXX Account No : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$7500.00} Reported as Charge Off XXXX XXXX  This account is being falsely reported as charged off. I have no recollection or contractual agreement with XXXX XXXX related to this account number. There has never been a charge-off under my legitimate accounts. This inaccurate entry is causing severe harm to my credit profile and is in violation of FCRA 607 ( b ) which requires accurate and verifiable reporting. I demand immediate removal unless the furnisher provides legal proof of ownership and payment history verified directly from original signed documents. 
XXXX Account No : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6200.00} Reported as Charge Off XXXX XXXX This account is being falsely reported as a charge-off. I never received any notice, billing, or communication about delinquency from XXXX XXXX. If this was a legitimate account, proper verification and validation must exist. Until such proof is provided under FCRA 611 ( a ) ( 5 ) and 623 ( a ) ( 1 ) ( A ), this entry must be deleted immediately from all credit reports. 
XXXX XXXX Account No : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$13000.00} Reported as Charge Off XXXX XXXX I strongly dispute this entry as inaccurate. I have never held or defaulted on any XXXX XXXX Bank card in this amount. The reporting of a charge-off without prior verification is a direct violation of my rights under FCRA 623 ( b ). I request proof of the original signed application, full payment record, and validation of ownership. If such documentation can not be provided, this account must be deleted. 
XXXX XXXX XXXX Account No : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Charge Off * * This entry is completely false and inconsistent. Reporting a charge-off with a XXXX balance is illogical and misleading. I have never owned or financed any vehicle through XXXX XXXX XXXX. This inaccurate listing is highly damaging and must be deleted immediately under FCRA 602 ( A ) for failure to maintain accuracy and integrity in consumer data reporting. 
XXXX XXXX Account No : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3800.00} Reported as Collection * * This is a false collection entry. I have no knowledge of any account with XXXX XXXX or any associated debt. No validation letter or collection notice has ever been sent to me. Reporting such unverified information constitutes a violation of FCRA 609 ( a ) ( 1 ) and Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). This entry must be immediately removed.

RELIEF REQUESTED I respectfully request that the Consumer Financial Protection Bureau : 1. Conduct an immediate investigation into the reporting practices of the credit bureaus and furnishers listed above. 
2. Compel the bureaus and furnishers to delete all inaccurate and unverifiable information listed in this complaint.

3. Enforce compliance with FCRA and FDCPA obligations to ensure the accuracy and integrity of all future credit reporting.

4. Provide a formal written response confirming the resolution and corrective actions taken.

Supporting Documentation Copy of my government-issued ID Proof of current address Credit report highlighting the disputed accounts and wrong addresses

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