Consumer complaint received 2025-06-04 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report contains numerous inaccuracies, including wrongful address reporting, improper charge-offs, and unfair collection practices related to the following accounts : XXXX. Wrong Address Reporting The following addresses are being incorrectly reported on my credit file, which violates FCRA Section 611 ( 15 U.S.C. 1681i ) regarding the duty of furnishers and credit reporting agencies to maintain accurate and complete information : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not associated with me and negatively affect my creditworthiness and privacy. I demand immediate removal of these erroneous addresses from my credit report.

2. Charge-Off Accounts The following accounts have been charged off inaccurately or without proper validation, constituting a violation of FCRA Section 609 ( 15 U.S.C. 1681g ) which requires validation and verification of debts before reporting : XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$400.00} XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX, High Balance : {$1000.00} XXXX XXXX XXXX  ( Acct XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX, High Balance : {$8700.00} XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX, High Balance : {$40000.00} These charge-offs have been reported without proper notification or substantiation. Under FCRA Section 611, I have the right to dispute and receive a full investigation into the validity of these debts. Furthermore, if these accounts have been sold or transferred to third parties, this must be clearly disclosed in compliance with FDCPA Section 809 ( 15 U.S.C. 1692g ) regarding debt validation. 
XXXX. Collection Account XXXX  ( Acct : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$540.00} This collection account reflects inaccurate information and has caused unwarranted harm to my credit score. According to the FDCPA, debt collectors must provide accurate and complete information, avoid deceptive practices, and cease collection if the debt is not verified. This collection account has not been properly validated as required, violating FDCPA Sections 807-808 ( 15 U.S.C. 1692e-f ).

Summary of Demands : 1. Conduct a thorough investigation of all reported accounts and addresses.

2. Immediately remove all incorrect addresses from my credit report.

3. Provide full validation and proof of all charge-offs and collection accounts before reporting.

4. Correct or delete any inaccurate or unverifiable information in compliance with the FCRA and FDCPA.

5. Notify all credit bureaus and furnishers of these disputes and corrections. 
6. Provide me with a detailed report of actions taken in response to this complaint. 
I expect swift action to rectify these violations to prevent further damage to my credit and financial reputation. Failure to comply with these laws will leave me no choice but to pursue additional legal remedies. 
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