Consumer complaint received 2025-06-05 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: AL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint concerning multiple inaccuracies on my credit report that are severely damaging my creditworthiness. These issues include incorrect addresses that are not mine and a wrongful charge-off reported by XXXX XXXX XXXX  XXXX XXXX Despite my repeated requests for correction, these errors remain unresolved. 
1. Incorrect Address Reporting My credit report inaccurately lists the following addresses, which have never been my residence or mailing address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect address reporting is a violation of the Fair Credit Reporting Act ( FCRA ), Section 609 and 611, which requires credit reporting agencies to maintain accurate and complete information. The inclusion of these addresses can indicate negligent or fraudulent reporting, negatively impacting my credit and potentially exposing me to identity theft risk. 
2. Wrongful Charge-Off Reporting : XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> High Balance : {$780.00} Issue : This account has been inaccurately reported as Charge Off. 
Under FCRA Section 611, I have the right to dispute inaccurate information, including wrongful charge-offs. This charge-off is incorrect and has not been properly validated by the creditor, violating FDCPA Section 809, which requires debt collectors and creditors to provide validation of the debt before reporting adverse information. The charge-off has also caused significant damage to my credit score and is unjustified. 
Legal Basis for Complaint : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x Requires credit reporting agencies and furnishers to report accurate information and promptly correct errors upon dispute.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p Mandates debt validation and prohibits unfair or deceptive collection practices, including inaccurate reporting. 
Requested Resolution : Immediate investigation into the inaccurate addresses listed on my credit report with prompt removal of any incorrect information. 
Correction or deletion of the wrongful charge-off status on my XXXX XXXX XXXX XXXX XXXX  XXXX account unless validated with proper documentation. 
Confirmation in writing that these corrections have been made. 
Notification to all credit reporting agencies to update my credit file accordingly. 
I expect this matter to be handled with urgency as these inaccuracies are causing me considerable financial and personal hardship. I reserve all rights to take further legal action if this complaint is not resolved satisfactorily. 
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