Consumer complaint received 2025-06-06 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: NC

Complaint narrative:
To Whom It May Concern, I am filing this complaint as a consumer whose rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) have been repeatedly violated. I am requesting the CFPB to launch an immediate investigation into the following inaccuracies and unlawful reporting practices appearing on my credit report, which have negatively impacted my financial standing, creditworthiness, and emotional well-being. 
I. Incorrect Address Reporting ( Violation of FCRA 604, 607 ( b ) ) The following addresses are falsely being reported on my credit report. I have never lived at, received mail at, or been associated with these addresses : XXXX XXXX XXXX XXXX XXXX Wrong Address XXXX XXXX, XXXX, XXXX  XXXX Wrong Address XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Wrong Address XXXX XXXX XXXX, XXXX, XXXX  XXXX Wrong Address Despite multiple disputes submitted to credit bureaus, these addresses continue to appear, violating FCRA 607 ( b ) which mandates accurate and verified reporting. Their continued presence may also indicate a possible case of mixed file or identity theft, which requires immediate remedial action. 
II. Inaccurate, Outdated, and Unlawful Account Reporting 1. XXXX - Account # : XXXX Date Opened : XX/XX/XXXX Status : Charge-Off, Balance : {$0.00} This account was resolved and shows a {$0.00} balance, yet it is still being reported as a charge-off. Continued reporting of derogatory status on a resolved account is misleading and violates FCRA 605 ( a ) and 623 ( a ) ( 1 ) ( A ). 
2. XXXX XXXX XXXX XXXX - Account # : XXXX Date Opened : XX/XX/XXXX High Balance : {$22000.00} This account is being reported with inconsistent information regarding balance and payment status across credit bureaus. Additionally, any debt beyond the statute of limitations ( typically 3-6 years depending on state ) should not be legally collectible or reported derogatorily under FCRA 605 ( a ). 
3. ( Please add the remaining accounts if you provide more, I will include them in the same structured format ) III. Legal Violations and Consumer Rights FCRA 602 : States consumers have the right to fair and accurate reporting.

FCRA 611 : Obligates credit reporting agencies to properly investigate disputes.

FCRA 607 ( b ) : Requires furnishers to maintain accuracy in reported information.

FDCPA 807 : Prohibits false, deceptive, or misleading representation of debts. 
Despite repeated attempts to rectify these issues via direct disputes to Equifax, Experian, and TransUnion, these inaccuracies persist. The continued presence of false addresses and erroneous tradelines indicates either negligence or willful noncompliance, for which I am requesting regulatory enforcement action and penalties where applicable. 
Requested Resolution : 1. Immediate removal of all incorrect addresses listed above from all credit bureaus.

2. Deletion or accurate correction of all tradelines and charge-off accounts that are either : o Re-aged o Inaccurate o Outside the statute of limitations o Misleadingly reported 3. Investigation into the data furnishers and CRAs for failing to comply with FCRA/FDCPA.

4. Assurance of non-recurrence and possible compensation for damages caused.

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