Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint regarding multiple accounts inaccurately reporting my address on my credit report. This incorrect reporting is causing severe negative consequences, including identity confusion, lost correspondence, and damage to my creditworthiness. Despite my efforts to resolve these issues directly with the reporting agencies and creditors, these inaccuracies persist, violating my rights under federal law.

Below, I list the accounts involved, with the respective incorrect addresses reported, and provide a detailed explanation of how these errors violate the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, correction, and deletion of inaccurate address information to prevent further harm. 
Account 1 : [ Creditor/Collector Name ] Account Number : [ Insert account number ] Incorrect Address Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is reporting an incorrect address that I have never resided at nor authorized for use in relation to my credit history. Due to this error, I have missed critical mail related to this account and other important financial communications. This has led to confusion and potential misattribution of my credit responsibility. 
Legal basis : Under FCRA Section 1681e ( b ), furnishers and credit reporting agencies must ensure that information they report is accurate and complete. Reporting a wrong address is a clear violation of this duty to maximum possible accuracy. Furthermore, under FCRA Section 1681i, I have the right to dispute inaccuracies, and the agency must conduct a reasonable investigation yet the error remains uncorrected.

Account 2 : [ Creditor/Collector Name ] Account Number : [ Insert account number ] Incorrect Address Reported : XXXX XXXX XXXX XXXX XXXX XXXX This incorrect address has resulted in my receiving no correspondence regarding this account, which has compromised my ability to manage or resolve the debt in a timely manner. It has also exposed me to risk of identity confusion, as the wrong address may be associated with another consumers records.

Legal basis : Failure to correct this inaccurate reporting violates FCRA Section 1681i which requires prompt and thorough reinvestigation upon dispute. The continuous reporting of this wrong address also breaches FCRA Section 1681e ( b ), as the data is demonstrably inaccurate.

Account 3 : [ Creditor/Collector Name ] Account Number : [ Insert account number ] Incorrect Address Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have never lived at or authorized use of this address, and its reporting on my credit history constitutes misleading and inaccurate information. This error has impacted my ability to secure accurate credit reports and has complicated credit verifications with other lenders. 
Legal basis : This inaccurate reporting is in direct violation of the FCRA, specifically 15 U.S.C. 1681e ( b ) regarding accuracy of reported information and 15 U.S.C. 1681i for failure to properly investigate and correct errors after dispute. 
Account XXXX : [ XXXX Name ] Account Number : [ Insert account number ] Incorrect Address Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This erroneous address reporting has caused ongoing harm by associating me with an address where I have no connection, potentially exposing me to mistaken identity issues and affecting my credit reliability. 
Legal basis : The furnishing of inaccurate address information is a violation of the FCRAs mandate for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). Continued failure to update and correct my credit file after proper dispute also breaches the reinvestigation obligations outlined in 15 U.S.C. 1681i.

Summary and Demand for Relief : The inaccurate reporting of these addresses across multiple accounts shows a pattern of negligence and failure to comply with federal law. These errors have : Jeopardized my ability to receive timely correspondence, Exposed me to identity confusion risks, Caused emotional distress and potential damage to my credit reputation.

I demand the following actions : 1. Immediate and thorough investigation of the inaccurate address information reported on all listed accounts.

2. Correction or deletion of all incorrect addresses and any related inaccurate information.

3. Written confirmation that these corrections have been made.

4. Assurance that my credit report will be updated to accurately reflect my true address to prevent further harm.

If this matter is not resolved promptly, I will escalate it by pursuing legal remedies, including filing claims for violation of the FCRA and potential damages. 
Thank you for your prompt attention to this serious matter.

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