Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
To the Consumer Financial Protection Bureau I am filing this formal complaint against the credit reporting agencies and furnishers who have failed to maintain accurate and verifiable information on my consumer credit report As a consumer I have rights under the Fair Credit Reporting Act FCRA 15 USC 1681 and Fair Debt Collection Practices Act FDCPA which are being consistently violated through the continued reporting of false addresses and inaccurately reported accounts The following issues are factual misrepresentations and are damaging my financial integrity my reputation and my access to housing and employment XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Issue : Wrong Address Law : Under FCRA 1681e ( b ), credit reporting agencies must assure maximum possible accuracy of the information they report This address does not belong to me and its presence on my report is a violation of federal law It is damaging to my identity and creditworthiness and suggests a possible case of mixed file or identity theft I request immediate deletion of this address from all reporting agencies XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX Issue : Wrong Address Law : FCRA 1681c requires that only information that is accurate and verifiable be included in a consumers file I have never resided at or been associated with this address The continued reporting of this address is negligent and violates my consumer rights Immediate deletion is demanded XXXX XXXX XXXX XXXX  Date Opened XX/XX/year> High Credit {$60000.00} Issue : Late Payment Law : FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) require furnishers of information to report accurately and fairly I dispute the late payment reported on this account I have records that reflect timely payments and believe this mark is inaccurate possibly resulting from a billing or processing error The account should be reverified and the late payment removed if it can not be substantiated with full validation and billing history XXXX XXXX * * * * Date Opened XX/XX/year> High Credit {$76000.00} Issue : Charge Off Law : Under FCRA 611 and the Fair Debt Collection Practices Act FDCPA 15 USC 1692g I am requesting verification and full documentation of this charge off I have not received any proper validation or notice that supports this debt nor was I notified of a charge-off being placed on my file This could be the result of an error or identity confusion I dispute the validity and accuracy of this entry and demand immediate deletion if it can not be verified with original signed agreements billing statements and proof of ownership These errors are not only violations of federal law but also have resulted in severe harm to my financial and emotional well-being These false addresses and incorrect account data have blocked me from qualifying for housing lines of credit and employment opportunities I have suffered hardship distress and frustration over continued inaction from furnishers and credit bureaus I am requesting that the CFPB investigate these complaints and enforce accountability by requiring the immediate deletion of all incorrect information and ensuring future compliance with all consumer protection laws I have already made disputes directly with the credit bureaus but my concerns remain unresolved Therefore I am asking the CFPB to intervene and assist in the resolution of these clear violations

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