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: NV

Complaint narrative:
I am submitting this complaint to formally report serious inaccuracies on my credit report, including fraudulent accounts, incorrect addresses, and violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable federal identity theft statutes. 

Timeline of Discovery and Disputes In early XXXX, while reviewing my credit report from all XXXX  major credit bureaus ( Experian, Equifax, and XXXX XXXX, I noticed a series of unauthorized addresses and fraudulent accounts reported in my name. I have never resided at the following addresses : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXV XXXX Wrong Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address These addresses are not associated with me in any capacity and indicate possible identity theft or data mixing. I submitted disputes to the credit bureaus under 15 U.S.C. XXXXi and provided documentation of my true residence history and identity. Despite this, the false addresses remain on my report. 

Unauthorized or Fraudulently Reported Accounts Below is a list of accounts I did not open or authorize. Their continued presence on my report is damaging and unlawful. 

XXXX. XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( High Balance : {$690000.00}, Opened : XX/XX/XXXX ) XXXX XXXX Reported as Charge Off Violation : No permissible purpose under 15 U.S.C. XXXXb ; Failure to investigate under XXXX XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( High Balance : {$0.00}, Opened : XX/XX/XXXX XXXX XXXX XXXX Reported as Charge Off Violation : Inaccurate reporting and no verification under XXXX ( b ) XXXX. XXXX XXXX Account # XXXX XXXX XXXX ( High Balance : {$0.00}, Opened : XX/XX/XXXX ) XXXX * Reported as Charge Off Violation : Account appears fraudulent ; no prior relationship XXXX. BANK XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( High Balance : {$69000.00}, Opened : XX/XX/XXXX ) XXXX XXXX Reported as Charge Off Violation : No signed agreement; investigation request ignored under XXXX XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX ( High Balance : {$130000.00}, Opened : XX/XX/XXXX XXXX XXXX  * Reported as Charge Off Violation : No supporting contract ; identity theft suspected XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( High Balance : {$91000.00}, Opened : XX/XX/XXXX XXXX XXXX XXXX Reported as Charge Off Violation : Data furnished without my consent under XXXX ( a ) XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX ( High Balance : {$140000.00}, Opened : XX/XX/XXXX XXXX XXXX XXXX Reported as Charge Off Violation : I have no affiliation with this institution XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( High Balance : {$19000.00}, Opened : XX/XX/XXXX ) XXXX XXXX  Reported as Charge Off ( Date in future indicates false reporting ) Violation : Impossible open date ; XXXX ( b ) accuracy standard violated XXXX. XXXX XXXX Account # XXXX ( High Balance : {$740.00}, Opened : XX/XX/XXXX ) * In collections Violation : No validation provided per 15 U.S.C. XXXXg ( a ) XXXX. XXXX XXXX  XXXX Account # XXXX XXXX ( High Balance : {$1200.00}, Opened : XX/XX/XXXX ) * * In collections Violation : No prior notice or verification under FDCPA XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  ( High Balance : {$2700.00}, Opened : XX/XX/XXXX ) * * In collections Violation : Failure to validate per XXXX ( b ) XXXX. XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX ( High Balance : {$0.00}, Opened : XX/XX/XXXX ) * * Reported as Charge Off Violation : No evidence of consumer responsibility XXXX. XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX ( High Balance : {$0.00}, Opened : XX/XX/XXXX ) * * Reported as Charge Off Violation : Old unauthorized account, improperly re-aged possibly XXXX. XXXX BANK XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( High Balance : {$0.00}, Opened : XX/XX/XXXX ) * * Reported as Charge Off Violation : No application or activity authorized by me Legal Rights Violated FCRA XXXX Right to timely dispute investigation FCRA XXXX ( a ) - ( b ) Duty of furnishers to report accurately and correct after dispute FCRA XXXX ( b ) Obligation to maintain accuracy in credit reports FDCPA XXXX Right to debt validation XXXX XXXX. XXXX Federal identity theft statute Personal Harm As a result of these inaccurate and fraudulent entries : I have been denied credit and housing My credit score has dropped drastically I have suffered emotional distress and anxiety I have spent significant time and money trying to resolve these issues Documents Attached/Available Upon Request FTC Identity Theft Report Police Report ( if needed ) Copies of disputes sent to credit bureaus Proof of residence and identity Requested Resolution Immediate deletion of all unauthorized accounts and incorrect addresses Investigation and penalties for data furnishers who violated FCRA A written confirmation of the deletion and corrections Assurance that these accounts will not reappear ( re-aging or reinsertion without notice under XXXX ( a ) ( XXXX ) ) Review of each data furnisher for potential enforcement action Please take swift regulatory action and compel the involved furnishers and bureaus to comply with federal law. I assert my rights under the FCRA and FDCPA and demand accurate reporting and protection from identity theft.

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