Consumer complaint received 2025-09-26 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:
To the Consumer Financial Protection Bureau : I am filing this complaint regarding multiple inaccuracies on my credit report that have caused and continue to cause significant financial harm, misrepresentation of my creditworthiness, and denial of credit opportunities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate information, investigate disputes, and correct or delete unverifiable information. Despite prior attempts to resolve these errors directly with the reporting agencies, the inaccuracies persist, and I am requesting immediate intervention by the CFPB to ensure full correction. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Story : I have never resided at this address, nor have I authorized any accounts or financial activity linked to this location. The inclusion of this address misrepresents my residence history and may confuse creditors regarding my identity. It creates a false appearance of liability or credit activity that I did not authorize. This address does not match my personal records, utility bills, or legal documents. Reporting this address may expose me to potential fraud alerts or erroneous collections. Creditors relying on this information could deny credit based on inaccurate data. Its presence causes reputational harm and misleads financial institutions. I demand removal and verification. Accurate residence history is critical to my credit profile and any reporting of incorrect addresses violates my rights. I have maintained a consistent residence history documented by utility bills, lease agreements, and other official records. The misreporting of this address undermines the accuracy of my credit file and is an ongoing source of harm and confusion. Correcting this information is imperative to prevent further damage. 
Law/Issue : FCRA 1681i ( a ) requires reinvestigation of disputed information. 1681e ( b ) mandates accuracy of reported addresses, and reporting incorrect addresses is a direct violation. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Story : I do not reside, nor have I ever resided, at this address. Its inclusion misattributes potential financial activity that is not mine. Reporting this address creates a false identity link and may result in creditors or collection agencies contacting the wrong person. This can lead to unauthorized assumptions about my credit habits or residence. Any accounts or activity linked to this location are inaccurate. This misinformation affects my creditworthiness, limits my ability to obtain credit, and may generate fraudulent inquiries or collections. I have evidence of my actual residence, including utility bills and government records, proving this address is false. Its inclusion is misleading and harmful. Continuous reporting of inaccurate addresses violates the integrity of my credit report. It may also indicate inadequate verification processes by the credit bureau. I request immediate removal and confirmation that this address has been corrected. Correcting this ensures accurate reporting and prevents further misrepresentation. 
Law/Issue : FCRA 1681e ( b ) requires accurate reporting. 1681i ( a ) mandates proper reinvestigation of disputed addresses to maintain accurate credit files. 

In conclusion, the inaccurate address, false collection account, and unauthorized inquiry described above are clear violations of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and have caused significant financial and reputational harm. I am requesting the CFPB to investigate these issues, require the credit reporting agencies to reinvestigate and correct or delete the inaccurate entries, and provide written confirmation of the results. Prompt action is required to prevent further violations of federal law and continued damage to my credit profile.

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