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: TX

Complaint narrative:
I am filing this complaint due to numerous inaccurate and harmful entries being reported on my credit file, including fraudulent addresses, charge-offs, late payments, and collection accounts that I did not authorize or validate. These entries have caused significant harm to my financial wellbeing and appear to be in violation of the Fair Credit Reporting Act ( FCRA ) and related federal laws. Despite my attempts to dispute and resolve these matters directly with the furnishers and credit reporting agencies, the false data remains uncorrected. 

Inaccurate and Fraudulent Addresses Reported The following addresses are appearing on my credit report but are completely unfamiliar to me. I never lived at or authorized the use of these addresses. Their presence raises serious concerns about identity theft or mixed file issues, and they must be investigated and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These listings violate my rights under the FCRA, 15 U.S.C . 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of consumer data. The presence of fraudulent addresses suggests a lack of reasonable procedures to ensure the accuracy of reported information. 

Inaccurate Account Information Below is a list of accounts reported with charge-offs, late payments, or collection statuses that I dispute as inaccurate, unverifiable, or potentially fraudulent. Each entry is paired with the relevant law it appears to violate. 

XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | XXXX : Charge-Off * * This account is marked as charged off with a high balance of {$0.00}, which is illogical and inconsistent. I never received any communication validating this debt.

Violation : FCRA 1681s-2 ( b ) failure to investigate and correct disputed information. 

XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Status : Charge-Off * * This account appears duplicated in multiple forms with different balances and dates, none of which I recognize. I requested validation but never received any supporting documents.

Violation : FCRA 1681g, 1681s-2 ( a ) ( 1 ) ( A ) failure to provide accurate information and validate upon request. 

XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Status : Charge-Off | Balance : {$23000.00} * * Duplicate account entry. No documentation received from XXXX. 
Violation : FCRA 1681b Permissible Purpose ; 1681s-2 ( b ) duty to correct after dispute. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Status : Charge-Off * * I did not authorize this account. No validation was provided upon dispute. 
Violation : FCRA 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate upon consumer dispute. 

XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Status : Late Payment * * This account reflects derogatory late payments that I contest. I have no recollection of these missed payments and requested full payment history without any response. 
Violation : FCRA 1681s-2 ( a ) ( 3 ) duty to report accurate data and update if found inaccurate. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX * | Opened : XX/XX/XXXX | Status : Late Payment * * This account is inaccurately reporting late payments. I requested verification from the furnisher, but they failed to provide proper documentation. 
Violation : FCRA 1681i & 1681s-2 ( b ) failure to reinvestigate and correct data. 

XXXX XXXX Account # : XXXX | Opened : XX/XX/XXXX | Status : Charge-Off XXXX XXXX I never opened an account with Uplift or XXXX Bank. This appears to be fraudulent. 
Violation : 18 U.S.C. 1028 Identity Theft ; FCRA 1681c-2 blocking fraudulent accounts upon identity theft claim. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Status : Charge-Off * * Another suspicious account that I did not open or authorize. I have reported this as potential identity theft. 
Violation : Gramm-Leach-Bliley Act ; FCRA 1681g & 1681c-2 XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Opened : XX/XX/XXXX | Status : Late Payment * * This account shows recurring late payments that I have disputed due to inaccuracies in the billing process. 
Violation : FCRA 1681e ( b ) failure to ensure accuracy. 

XXXX XXXX XXXX Account # : XXXX XXXX XXXX | Opened : XX/XX/XXXX | Status : Charge-Off * * This account is showing as opened in the future ( 2025 ), which is impossible and clearly inaccurate.

Violation : FCRA 1681e ( b ) inaccurate date reporting ; must be deleted immediately. 

XXXX XXXX XXXX Account # : XXXX | Opened : XX/XX/XXXX | Status : In Collections | Balance : {$530.00} * This collection account is unfamiliar to me. I requested validation and was ignored. 
Violation : FDCPA 809 ( 15 U.S.C. 1692g ) failure to validate debt upon written request.

Timeline of Events : XXXX : Began noticing inaccurate and unfamiliar entries on my credit report.

Mid XXXX : Sent disputes to major credit bureaus and furnishers. No sufficient investigation or corrections made. 

Early XXXX : Submitted identity theft report to the FTC ; continued follow-ups were ignored. 

P

resent : Harmful accounts and wrong addresses are still appearing, affecting my creditworthiness. Personal Impact : These inaccurate entries have severely damaged my credit score, resulting in multiple loan denials, inflated interest rates, and emotional distress. I have spent countless hours attempting to correct these errors to no av
ail. The reporting agencies and furnishers are failing in their duty to maintain and report accurate consumer information under the FCRA.

Desired Resolution : Immediate deletion of all disputed accounts and fraudulent addresses listed above.

A full reinvestigation by credit bureaus under FCRA 1681i, including results sent in writing. 

All furnishers to provide full documentation or remove unverifiable information as per FCRA 1681s-2 ( b ).

Enforcement action against repeat violators who fail to correct or respond.

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