Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate and harmful items, including false addresses, unverifiable charge-offs, misreported late payments, and duplicate collection accounts. These errors violate my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). Despite my efforts, these mistakes remain on my report and continue to cause me serious harm.

Wrong Addresses XXXX XXXX, XXXX, CA XXXX Issue : Wrong address associated with my file. 
Law : FCRA 609 ( a ) ( 1 ) Consumers are entitled to accurate identifying information.

Story : I have never lived at this address, nor do I have any personal, business, or financial connection to it. By including this address, the report suggests ties to unknown debts, activities, or people. This makes me vulnerable to mistaken identity, fraud, and negative assumptions by creditors. When I applied for an auto loan, the lender questioned why I had multiple conflicting addresses, and it almost cost me the approval. These mistakes are more than clericalthey directly damage my reputation and future opportunities. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Issue : Business/commercial address inaccurately tied to me. 
Law : FCRA 604 Credit reports must only contain relevant consumer information.

Story : This is not a residence but a commercial property, yet it is attached to my credit file. This misleads creditors into thinking I may have undisclosed business dealings or fraudulent connections. The inclusion of such irrelevant information causes embarrassment when explaining to lenders and gives the impression of instability or deception. This is both harmful and unfair, and it must be corrected immediately.

Accounts XXXX  XXXX ( Acct : XXXX ) High Balance : {$6100.00} Opened : XX/XX/XXXXXXXX  Charge Off Issue : Reported as charge-off without proper validation. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers can not knowingly report false data. FDCPA 807 ( 8 ) Prohibits false credit reporting.

Story : This tradeline is listed as charged-off, but XXXX XXXX has failed to provide proper validation of the debt. I was never shown complete documentation proving the balance, ownership, or legitimacy of the account. Yet, it continues to appear as though I defaulted and abandoned my responsibility. This paints me as financially reckless to any future lender. In reality, I have always taken my financial obligations seriously, but this false entry undermines my credibility, blocks my access to fair credit, and causes emotional stress. 
XXXX XXXX  ( Acct : XXXX ) High Balance : {$7200.00} Opened : XX/XX/XXXXXXXX  Charge Off Issue : Charge-off being reported without verification. 
Law : FCRA 611 ( a ) Gives me the right to dispute and demand reinvestigation.

Story : This account was marked charged-off, yet there is no proof of how this conclusion was reached. I was never properly notified, nor given a fair chance to address the alleged balance. Reporting this item inaccurately makes it appear that I walked away from my responsibilities, which is not true. This has resulted in embarrassment when discussing credit with lenders, increased interest rates, and repeated denials. The harm to my financial reputation is severe and unjust.

XXXXXXXX XXXX XXXX ( Acct : XXXXXXXX XXXX ) High Balance : {$2400.00} Opened : XX/XX/XXXX Charge Off Issue : Inaccurate charge-off reporting. 
Law : FDCPA 809 Requires validation of debts upon dispute.
Story : Barclays has reported this account as charged-off, but no documentation or validation has been provided to me. Without proof, it is unfair and unlawful to keep reporting this debt. Such false reporting leads others to believe that I defaulted without care, which directly contradicts my actual history of working hard to meet obligations. This causes unnecessary harm, making me look like a repeat defaulter, when in truth this is simply an unverified and improperly reported debt.

XXXXDept of Education ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) High Balances : {$940.00} / {$3000.00} / {$2300.00} Opened : XXXX Late Payments Issue : Late payments inaccurately reported during periods of deferment or forbearance. 
Law : FCRA 623 ( a ) ( 5 ) Furnishers must report accurate payment history.

Story : These student loan accounts show late payments, but in reality, some of these periods were during forbearance or deferment, meaning they should not have been reported as late at all. Mislabeling these payments damages my record and makes it look like I deliberately ignored my obligations, when in fact I was under legally approved relief programs. This mistake unfairly portrays me as careless with federal loans, which is deeply damaging and could impact future opportunities such as mortgage approvals or educational financing. 
XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX and XXXXXXXX XXXX XXXX ) High Balance : {$900.00} Opened : XX/XX/XXXX Collections Issue : Duplicate entries of the same collection account. 
Law : FCRA 607 ( b ) Accuracy required; FDCPA 807 ( 2 ) ( A ) Prohibits misrepresentation of amount or character of debt.

Story : The same debt has been reported twice, making it look as though I have multiple collections for different accounts, when in reality it is only one. This is a false and damaging representation. Because of this duplication, my credit score has dropped further than it should have, resulting in rejection for credit cards, auto financing, and personal loans. It has also led to emotional distress because I am being punished twice for one single matter. Such unfair duplication is extremely harmful and must be removed immediately.

Harm Caused These errors have caused me substantial harm : Denial of credit opportunities Higher interest rates on loans Emotional distress and reputational damage Difficulty securing housing and employment opportunities I have acted in good faith and requested validation and corrections, but these items remain on my report. The reporting agencies and furnishers are failing their obligations under federal law. 
Requested Action I am requesting the CFPB to investigate these matters and ensure : 1. Immediate correction or deletion of all inaccurate addresses.

2. Removal of all unverifiable charge-offs and duplicate collection accounts.

3. Correction of student loan late payment reporting that occurred during deferment/forbearance.

4. Enforcement of compliance with FCRA and FDCPA by the reporting agencies and furnishers. 
If these violations are not corrected, I reserve my right to seek further remedies, including legal action for willful noncompliance under FCRA 616 and 617.

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