Consumer complaint received 2025-07-08 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:
I am submitting this complaint against Experian for gross negligence and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Experian is reporting multiple inaccurate accounts, incorrect addresses, and derogatory entries on my credit report without proper investigation, validation, or notice. These actions are harming my financial life, causing emotional distress, and violating my federally protected rights. The following issues are raised for immediate correction : XXXX. Wrong Addresses Reported Without My Authorization XXXX XXXX XXXX XXXX XXXX I have never lived at this address. It is incorrect and falsely associated with me. 
XXXX XXXX XXXX, CA XXXX This is another incorrect address that has never belonged to me. 
Both entries violate FCRA Sections 604 ( c ), 607 ( b ), and 602 ( A ) which require credit bureaus to maintain accurate and verifiable consumer information. These false addresses suggest negligence in identity verification and possible file mixing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-Off * * High Balance : {$5600.00} | Date Opened : XX/XX/XXXX This account is being reported as charged-off without proper validation or prior notice. I never received any debt verification or right to dispute under FDCPA Section 809 ( a ), and Experian failed to ensure accuracy under FCRA Section 611 and 623 ( b ). 
XXXX. XXXX Acct : XXXX Charge-Off High Balance : {$4400.00} | Date Opened : XX/XX/XXXX This account is also marked as a charge-off. No debt validation was provided. It is inaccurate and being reported without any evidence of communication, violating FCRA Section XXXX23 ( a ) ( 7 ) and FDCPA Section 809 ( b ). 
XXXX XXXX XXXX XXXX XXXX Charge-Off High Balance : {$4000.00} | Date Opened : XX/XX/XXXX Another invalid charge-off being reported without proper debt validation. I dispute this account entirely and have not received required notice. This violates FCRA Section 611 ( a ) and FDCPA Section 809. 
XXXX. XXXX XXXX Acct : XXXX * Late Payment * * High Balance : {$21000.00} | Date Opened : XX/XX/XXXX This account reflects inaccurate late payments. I was never notified or given a chance to correct the record. No proper investigation was conducted under FCRA Section 611. These errors are negatively impacting my creditworthiness. 
XXXX. XXXX Acct : XXXX * Charge-Off * * High Balance : {$13000.00} | Date Opened : XX/XX/XXXX This entry was reported as a charge-off without any communication from the creditor. No validation of this debt has occurred. This is a violation of both FCRA Section 623 ( b ) ( 1 ) and FDCPA Section 809 ( a ).

My Story and Harm I have submitted prior disputes directly to Experian, yet these items remain unchanged. I have suffered from credit denials, emotional harm, and financial loss due to Experians refusal to uphold its legal obligations under the FCRA and FDCPA. They continue to report unverifiable and damaging data without lawful investigation, in direct violation of consumer protection laws. 
Requested Resolution I respectfully request the CFPB to investigate Experians willful non-compliance and direct them to : Delete all unverified and inaccurate accounts listed above Remove the two incorrect addresses immediately Provide written confirmation of compliance and corrections I am also requesting compensation for the distress, credit denial, and elevated interest rates Ive suffered due to these violations. 
Thank you for your attention to this 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