Consumer complaint received 2025-08-07 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: CO

Complaint narrative:
Dear CFPB XXXX, I am submitting this formal complaint because my credit report contains inaccurate addresses, duplicated and unverifiable accounts, and false collection entries that are negatively affecting my financial life and mental well-being. Despite attempts to dispute these with the credit reporting agencies and furnishers, they continue to appear without validation, correction, or removal. I am requesting the CFPB to investigate and enforce correction under the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Wrong Address Entries XXXX XXXX XXXX XXXX, CO XXXX Issue : I have never lived in XXXX XXXX, Colorado. I have no personal, residential, or financial connection to this address. The presence of this incorrect address suggests possible mixed file reporting or identity confusion. 
Law : XXXX FCRA XXXX ( b ), credit bureaus must ensure maximum possible accuracy. Reporting an unrelated address is a violation. 
XXXX : This false address has created suspicion during credit verifications and resulted in the denial of an apartment lease. This is unacceptable, and I request its permanent deletion from all credit records. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : This is not and has never been my address. This false address was never listed on any of my official documents. 
XXXX : FCRA XXXX ( b ) obligates the bureau to maintain accurate address records. 
Story : Due to this incorrect address, I was flagged during a pre-employment background check and asked to provide proof of residence, delaying the hiring process. 
Accounts and Charge-Offs XXXX  XXXX XXXX High Balance : {$480.00} Date Opened : XX/XX/XXXX Issue : This account is marked as charged off, yet I was never given a final warning, settlement option, or account statement to resolve it. 
Law : XXXX FCRA XXXX and FDCPA XXXX ( a ), the furnisher and collector must report accurate status and validate any disputed debt. 
Story : During this time, I experienced financial hardship due to medical expenses. I made multiple attempts to communicate with XXXX XXXX, but no resolution was offered, and the account was charged off without notice. 
XXXX XXXX XXXX High Balance : {$380.00} Date Opened : XX/XX/XXXX Issue : This account is newly opened and already reporting late payments which is incorrect. No billing statements or welcome package was received, raising suspicion of identity error or fraud. 
Law : FCRA XXXX allows consumers to request blocking of information resulting from identity theft. 
Story : I had no idea this account was even active until I checked my credit report. I suspect that this is a case of mistaken identity or system glitch. 
XXXX XXXXXXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : This account was closed a long time ago, and I made payment arrangements. It was not supposed to be charged off. 
Law : XXXX FCRA XXXX ( b ), inaccurate status reporting is prohibited. 
Story : I took the necessary steps to settle this account. This charge-off status is not only misleading but hurts my score unfairly. 
XXXX XXXX XXXX High Balance : {$270.00} Date Opened : XX/XX/XXXX Issue : This account is reporting late payments within a XXXX  or XXXX of opening, which is not possible unless theres a reporting error. 
Law : FCRA XXXX prohibits the reporting of inaccurate information by furnishers. 
Story : Ive received no documents, cards, or access to this account. Its presence feels fraudulent or mistaken. 
XXXX XXXX XXXX XXXX : {$11000.00} Date Opened : XX/XX/XXXX Issue : This auto loan was voluntarily surrendered due to inability to pay after job loss. The company promised it would not be charged off. 
XXXX : FCRA XXXX ( a ) ( XXXX ) ( A ) and FDCPA XXXX misrepresentation of voluntary surrender as default. 
Story : I made responsible decisions during hardship and communicated with the lender. Its unfair that my responsible behavior is punished with a charge-off. 
XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : This account was sold and charged off with no notice. I was still making payments through a portal. 
Law : FDCPA XXXX and FCRA XXXX require proper consumer notice before negative reporting. 
Story : I was shocked to see this marked as charged off after following all instructions. This has harmed my credit standing severely. 
Collections and Duplicates XXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Issue : This is a collection duplicate of another XXXX  account. Duplicate collections severely damage my credit. 
Law : FCRA XXXX prohibits multiple listings of the same debt. 
XXXX : This double-reporting has misled lenders and denied me fair credit evaluations. 
XXXX XXXX  XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Issue : Duplicate of above with minor variation. 
Law : FCRA XXXX requires deletion of duplicate or unverifiable items. 
XXXX : This double-hit lowers my credit unfairly despite full compliance. 
XXXX XXXX XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Issue : Duplicate of above Portfolio account. 
XXXX : FCRA XXXX ( a ) ( XXXX ) ( A ) Story : Unjust duplicate account doubling the damage to my credit file. 
XXXX XXXX XXXX XXXX High Balance : {$670.00} Date Opened : XX/XX/XXXX Issue : Duplicate of above. 
Law : FCRA XXXX XXXX : This false duplicate is harming my efforts to secure a mortgage. 
XXXX XXXX XXXX  XXXX High Balance : {$120.00} Date Opened : XX/XX/XXXX Issue : Appeared on my credit report without communication or bill. 
Law : FCRA XXXX and FDCPA XXXX XXXX : This entry blindsided me and dropped my score unexpectedly. 
Resolution Requested I am requesting the CFPB to conduct a full investigation into these accounts and compel the credit reporting agencies and furnishers to : Delete all incorrect addresses Remove all unverifiable, inaccurate, and duplicate accounts Provide documentation for accounts they claim are valid Correct my credit file in compliance with FCRA and FDCPA Thank you for your time and attention. I am attaching a copy of my credit report highlighting the disputed entries. I request that you provide confirmation once this complaint is under review and notify me of the outcomes.

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