Consumer complaint received 2025-07-28 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 filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts, address inaccurately reported on my credit file by creditors and debt collectors. Despite my repeated efforts to dispute these items with the credit reporting agencies, the inaccurate, unverifiable, and misleading information continues to appear on my report, causing serious harm to my creditworthiness and financial stability. I respectfully request the CFPB to intervene, investigate these matters thoroughly, and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have outlined each disputed account below with supporting facts and applicable legal violations. 
Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Issue : This address is being inaccurately reported on my credit file though I have never resided there. 
Law Violation : FCRA Section 602 ( A ) ensures only accurate, verifiable data can be reported. Reporting this address without my authorization or proof of residency violates this.

Story : I have never lived at or been associated with this address in any personal, financial, or legal capacity. The continued reporting of this address misrepresents my identity, affects my creditworthiness, and is being wrongfully used to link unrelated derogatory items. 
Instruction : Immediately remove this inaccurate address from my credit file in accordance with FCRA Section XXXX and provide me written confirmation of its deletion. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Issue : This is another inaccurate address that should not be part of my credit report. 
Law Violation : Under FCRA 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting this address fails to comply with that.

Story : I do not have any legal, residential, or transactional link to this address. Its presence on my report could be the result of identity confusion or data merging error and is causing damage to my credit profile. 
Instruction : Delete this inaccurate address from all records and update my file accordingly, with confirmation of the correction sent to me. 
Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance Owed : {$18000.00} Status : Charge-Off * * Issue : This account is being reported as charged-off inaccurately and unfairly. 
Law Violation : FCRA XXXX ( a ) requires full reinvestigation of disputed accounts. FDCPA XXXX ( XXXX ) prohibits furnishing false or misleading credit information. 
Story : I dispute the validity, accuracy, and completeness of this charge-off entry. I was not properly informed, and the reporting lacks verified documentation of default or efforts to resolve the account. The balance also appears inflated. 
Instruction : Please conduct a complete reinvestigation under FCRA, remove the negative entry if it can not be validated with original signed contracts and payment records, and notify me of your findings. 
These accounts, address have significantly harmed my creditworthiness and mental well-being. I respectfully request that the CFPB take immediate action by initiating an investigation, compelling the data furnishers to provide full documentation verifying these debts or instructing the credit bureaus to delete the accounts due to failure to comply with federal consumer protection laws. I am also requesting that all credit bureaus update or delete any inaccurate information resulting from this dispute. I am exercising my rights under the FCRA and FDCPA and seeking the assistance of the CFPB to enforce fair and accurate reporting practices as guaranteed under federal law.

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