Consumer complaint received 2025-09-25 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:
To Whom It May Concern, This is a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act. I am requesting a full investigation and immediate correction of the inaccurate information listed below. These errors are damaging my creditworthiness, creating financial and emotional stress, and preventing me from living a stable life. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX Wrong Address This address is completely inaccurate and has no relation to me. Reporting false addresses is a violation of FCRA 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. Having this address attached to my profile creates confusion, raises fraud risks, and damages my reputation. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IN XXXX Wrong Address This is another false and fraudulent address linked to my file. I never resided at or had any association with this location. This misreporting violates FCRA 609 ( a ), as I have the right to accurate file disclosures. The continued presence of this wrong address suggests negligence and reckless disregard for consumer rights. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off This account is being reported inaccurately. The balance is shown as {$0.00} yet it is still listed as a charge-off, which is contradictory, misleading, and harmful. Under FCRA 607 ( b ), data furnishers and bureaus are required to maintain accuracy, and under FDCPA 807, it is unlawful to report false or misleading information regarding the status of a debt. This account reporting is deceptive and unfair. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Collection This account is reported as a collection but contains numerous inaccuracies. The balance, dates, and status are inconsistent, and I dispute its legitimacy. Under FCRA 611, I have the right to dispute and demand reinvestigation, and under FDCPA 809, debt collectors must provide proper validation. This reporting has severely harmed my credit score, resulting in denials for housing, higher insurance premiums, and financial distress. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Collection This collection account is inaccurate, unvalidated, and reported in a manner that violates consumer protection laws. No proper validation of debt has been provided, and continuing to report unverifiable debts is a direct violation of FDCPA 809 ( b ). Furthermore, the credit bureaus failure to remove this disputed account is a violation of FCRA 611 ( a ). This false reporting is unlawful and must be corrected immediately.

The continued reporting of these inaccuracies demonstrates clear violations of federal consumer protection laws. I demand that the CFPB enforce compliance and require the credit reporting agencies and furnishers to delete or correct these items immediately. 
Failure to correct these errors constitutes willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617, both of which carry liability for damages.

I request a full investigation, deletion of the inaccurate information, and written confirmation of the results within the timeline required by 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