Consumer complaint received 2025-09-22 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: TN

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and harmful reporting that is negatively affecting my credit profile and financial opportunities. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, guarantees me the right to fair, accurate, and verifiable credit reporting. The reporting agencies and furnishers have failed to meet their obligations under FCRA 602 ( A ) which mandates maximum possible accuracy, FCRA 611 which requires a reasonable reinvestigation of disputed information, and FCRA 609 which gives me the right to full disclosure of the information in my credit file. The accounts and inquiries listed below are reporting inaccurately and have caused harm including credit denials, higher interest rates, and emotional distress. I have disputed these multiple times and they continue to reappear or remain without proper verification which is a direct violation of my rights. I am requesting CFPB intervention to ensure these items are investigated, corrected, or deleted if they can not be 100 % verified with proper documentation. 

XXXXXXXX XXXX  XXXX XXXX XXXX, TN XXXX Wrong Address This variation of the same wrong address is equally damaging and must be deleted. Reporting multiple variations of a wrong address creates an appearance of residency history that is false, misleading, and harmful to my credit profile. There is no documentation or verifiable evidence that proves my residency at this address. Under FCRA 15 U.S.C. 1681i, you are required to confirm accuracy with original source documentation, such as signed leases, utility bills, or government-issued records, which you have not provided. Continuing to report this address exposes me to the risk of identity theft and mixed files. Your duty under FCRA 1681e ( b ) is to maintain maximum possible accuracy, which includes deleting data that can not be verified beyond doubt. I demand permanent removal of this address from my report and written confirmation once completed. 

XXXX XXXX  XXXX XXXX, TN XXXX Wrong Address I have never lived at this address, never been associated with it, and never authorized its inclusion on my credit file. Reporting this address is a clear violation of the FCRA because it falsely represents my residency history and misleads lenders and other parties reviewing my credit. You are required by FCRA 1681i ( a ) to conduct a reasonable reinvestigation and by FCRA 1681e ( b ) to ensure maximum possible accuracy of reported information. Including a completely unrelated address exposes me to potential fraud and may lead to accounts that do not belong to me being linked to my report. The continued presence of this address after previous disputes demonstrates a failure to investigate properly. You must immediately delete this address, update your systems to prevent it from reappearing, and send me written confirmation of its permanent removal. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Charge Off This account is reported as a charge off, which is inaccurate and misleading since child support obligations are not consumer credit transactions. Reporting this as a charged-off debt creates a false impression of a credit default, which violates FCRA 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy. I requested verification, including original court orders, updated balance records, and legal documentation authorizing credit reporting, yet none were provided. Under FCRA 1681i ( a ), you must conduct a reasonable reinvestigation and remove unverifiable data. Reporting this account as a charge off suggests that it was extended as a loan and defaulted on, which is legally incorrect. You are obligated to ensure this information is not misleading under FCRA 1681i ( c ). Continued reporting after failing to validate constitutes willful noncompliance and exposes you to liability under 15 U.S.C. 1681n. This account is harming my credit, affecting my ability to obtain housing, employment, and fair credit offers. I demand that you delete this account immediately and provide written confirmation once removed. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Charge Off This account continues to appear despite previous disputes, showing you have not conducted a reasonable reinvestigation as required under FCRA 1681i ( a ). I asked for original signed agreements, full payment history, date of first delinquency, and proper charge-off documentation but none were provided. Reporting without verification violates FCRA 1681e ( b ) and CFPB guidance on data accuracy. The reported balance is inconsistent with the alleged credit limit and charge-off date, suggesting inaccurate reporting. Failure to remove unverifiable data after a dispute is considered willful noncompliance under FCRA 1681n and negligent noncompliance under 1681o. The continued presence of this derogatory account is lowering my credit score and preventing me from accessing fair credit opportunities. Under the law, unverifiable information must be permanently deleted and can not be reinserted without proper certification. I demand full deletion and confirmation within 30 days. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} Charge Off This account is reported as a charge off, which mischaracterizes the nature of the obligation. I have never been provided with documentation proving the balance is correct, current, or legally reportable to a credit bureau. Under FCRA 1681i ( a ), you are required to investigate and verify the accuracy of this account, but your prior investigation was inadequate and failed to provide any supporting documentation. The accounts reporting is misleading and may result in denial of housing, loans, and employment opportunities. Continuing to report this account without verification violates the FCRAs mandate for maximum possible accuracy under 1681e ( b ). I am demanding deletion under FCRA 1681i ( a ) ( 5 ) because unverifiable information must be removed and not reinserted without full certification. If you can not produce verifiable evidence within 30 days, this account must be permanently deleted from my credit file. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Charge Off This account remains inaccurately reported and must be addressed immediately. You have not provided proof of balance validation, court order documentation, or any legal evidence authorizing credit reporting of this item. FCRA 1681e ( b ) requires that all reported data be accurate and complete, and failure to provide verification means this account is unverifiable and must be deleted. Reporting this as a charge off gives the false impression of defaulted credit, which is misleading under FCRA 1681i ( c ). I have suffered financial harm and reputational damage because of this entry, which is affecting my creditworthiness. Under FCRA 1681i ( a ) ( 5 ), unverifiable accounts must be deleted within 30 days of a dispute. Continuing to report it without validation is considered willful noncompliance, making you liable for damages. I am demanding its permanent deletion and written confirmation once removed. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} Collection This is a collection account reported by a debt buyer, which must be validated under the FDCPA and FCRA. I requested proof of ownership, a complete chain of title from the original creditor, and an itemized statement of the alleged debt, yet none have been provided. FCRA 1681i ( a ) requires you to conduct a reinvestigation and delete unverifiable data. Debt buyers often report inaccurate information, and XXXX has not validated this debt as required. Continuing to report this without validation violates FCRA 1681e ( b ) and may also constitute re-aging if dates are incorrect. This account is damaging my credit reputation, lowering my score, and creating a false impression of delinquency. Under FCRA 1681i ( a ) ( 5 ), this unverifiable collection must be deleted immediately. Failure to remove it will result in escalation to the CFPB and potential legal action. 

XXXX XXXX XXXX  XX/XX/XXXX This is a duplicate inquiry alongside the XXXX XXXX XXXX  XXXX entry. It is inaccurate for two separate inquiries to appear for what seems to be the same date and same creditor. Under FCRA 607 ( b ), you are responsible for preventing duplication and ensuring data integrity. This duplicate is misleading and overstates my credit-seeking activity, which unfairly penalizes my credit score. 

I am requesting CFPB assistance to ensure the credit bureaus and data furnishers conduct a thorough reinvestigation, provide full validation and permissible purpose documentation for each account and inquiry listed above, and delete them immediately if they can not be 100 % verified. These violations have caused harm to my financial standing and my ability to obtain credit at fair terms. The CFPB is responsible for enforcing compliance with the FCRA and FDCPA, and I am asking for your help to hold these entities accountable.

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