Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I am filing this complaint because the credit bureaus and furnishers have failed to maintain accuracy, integrity, and proper reinvestigation obligations as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The errors listed below are damaging my creditworthiness and causing financial and reputational harm. These items must be investigated thoroughly and corrected immediately to comply with federal law. 

XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX Wrong Address This address has never belonged to me, yet it continues to appear on my credit report despite repeated disputes. Its presence creates confusion about my true identity and opens the door to possible identity theft concerns. By associating me with an address that is not mine, you are damaging my credibility with lenders, insurers, and potential employers who rely on your reports. Section XXXX ( b ) of the FCRA requires you to maintain maximum possible accuracy in all consumer reporting, and yet you have failed to uphold that duty. I have never received mail, bills, or any financial correspondence at this address, and you can not prove otherwise. Continuing to report this false address is reckless and negligent, suggesting that no proper reinvestigation has been done. If you had properly verified this information, you would have removed it after the first dispute. Instead, it remains as a stain on my report, creating unnecessary red flags. Section 611 of the FCRA requires reinvestigation within XXXX  days, but you have ignored this. Keeping unverifiable and inaccurate information on file violates my rights and is evidence of noncompliance. I am demanding its immediate deletion because there is no legal or factual basis for it to remain. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address This address is also completely inaccurate and has no connection to me whatsoever. Reporting a false address causes serious harm to my personal and financial reputation because it creates the appearance of residency at a location I have never lived at, never rented, and never been associated with. By leaving this on my report after multiple disputes, you are showing a blatant disregard for your obligations under the FCRA. Section 602 of the FCRA makes it clear that inaccurate reporting directly harms consumers in credit markets, and this is exactly the harm I am suffering. Lenders and creditors see conflicting addresses and may assume instability or fraud. I have requested multiple times for you to provide proof of association, yet nothing has been supplied, proving that you can not validate this data. Section 611 requires deletion if information can not be verified, yet this false address remains. This continued misreporting suggests either gross negligence or willful disregard of federal law. The address must be removed immediately because you are in violation of your duty to maintain accurate consumer records. Leaving unverifiable information in place is a violation of my rights and is unacceptable under the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$16000.00} Date Opened : XX/XX/year> Charge Off This account is reported as a charge off, but it is inaccurate, unverifiable, and misleading. I have repeatedly demanded proof of the alleged debt, including original signed contracts, itemized account statements, and validation of the balance claimed, but nothing has been provided. Reporting unverifiable data is a direct violation of Section 611 of the FCRA, which requires deletion of items that can not be proven accurate. The FDCPA also requires debt validation before collection or reporting can occur, yet this account remains without lawful verification. Continuing to publish this information harms my creditworthiness, inflates my debt-to-income ratio, and prevents me from accessing fair financial opportunities. This creates financial injury and reputational damage in direct conflict with Section 602 of the FCRA. A proper reinvestigation would have resulted in the deletion of this account, but instead you have chosen to disregard your responsibilities. By reporting unverifiable charge offs, you are communicating false and damaging information in violation of FDCPA Section 807, which prohibits the use of false credit data. This account is incomplete, misleading, and can not remain in my file under federal law. Deletion is the only lawful solution, and I demand you act immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$3000.00} Date Opened : XX/XX/year> Charge Off This account continues to be reported inaccurately despite my repeated disputes. I have asked for proof of the debt, including all supporting documentation, but none has been provided, which makes this account unverifiable. Under Section 611 of the FCRA, unverifiable accounts must be deleted if not proven within the XXXX reinvestigation period. The fact that this item continues to be reported proves that you are ignoring your obligations and harming my consumer rights. Section 602 of the FCRA clearly states that inaccurate reporting harms consumers and prevents them from accessing fair credit opportunities, which is exactly what I am experiencing. By reporting this alleged charge off without proof, you are communicating false information in violation of FDCPA Section 807. This account lowers my credit score, misrepresents my financial standing, and damages my ability to secure loans, housing, and employment. A charge off of this nature can not lawfully remain without full validation, which you have failed to provide. The continuation of this false reporting is reckless and negligent, and it shows a pattern of willful disregard for federal law. Immediate deletion is required to correct this unlawful and damaging error. 

I request your immediate assistance in compelling the credit bureaus and furnishers to delete or correct these errors, provide full validation of the accounts in question, and comply with all applicable laws to restore accuracy and fairness to my credit reports.

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