Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
I am writing to file a formal complaint against Experian for continued reporting of multiple inaccurate, unverifiable, and misleading accounts and personal identifying information on my credit file, despite multiple attempts to resolve the issues directly. The inaccurate data is harming my financial integrity, mental peace, and opportunities for fair credit. I am requesting immediate investigation, deletion, and corrective actions under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related laws. Details are below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This address does not belong to me and is being falsely associated with my profile. I have never resided at this location and have no connection to it. Its inclusion on my report is an egregious violation of my rights under 15 U.S. Code 1681e ( b ), which requires Experian to maintain maximum possible accuracy.

Law : FCRA 609 ( c ) ( 1 ) ( E ), 611, 1681e ( b ) Story : This wrong address continues to confuse creditors and has caused verification failures in recent applications. I believe it may have been added due to a mixed file or identity merge error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address Issue : I have never lived at or used this address. Experian has failed to properly verify personal data before publishing it to third parties. 
Law : FCRA 607 ( b ), 611 ( a ), 1681e ( b ) Story : This misinformation has caused significant emotional distress, rejections from housing providers, and a decline in my creditworthiness despite having submitted valid proof of my current residence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Status : Chargeoff Issue : This account is reporting as charged off with a {$0.00} balance, which is illogical and misleading. A charge-off implies a loss for the lender, but a XXXX balance implies no liability existed. This is a contradiction that damages my credit profile with inaccurate context. 
Law : FCRA 602 ( A ), 607 ( b ), 609 ( a ), 611 ( a ), FDCPA 807 ( 2 ) ( A ) Story : I disputed this with Experian but received no proper investigation or validation per my rights. This unresolved and misleading reporting is preventing me from securing fair financing and employment background checks are also being negatively impacted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$530.00} Date Opened : XX/XX/XXXX Status : Chargeoff Issue : This account has been marked as charged off but I was never given proper notice, and the amount reported is questionable. There is also no verification that the reporting is timely or complete. 
Law : FCRA 611 ( a ) ( 1 ) ( A ), 623 ( b ) ( 1 ), FDCPA 809 ( b ), 807 ( 8 ) Story : This account is haunting my report without complete evidence or proper updates. Despite asking for validation, the data remains with no documentation to support it. I have faced severe hardship including higher insurance premiums and inability to refinance due to this unjust entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$9100.00} Date Opened : XX/XX/XXXX Status : Chargeoff Issue : This account was charged off with an inflated balance and no breakdown or validation provided. Additionally, I believe this debt may have been sold and re-reported improperly without notice to me as a consumer.

Law : FCRA 611, 623 ( a ) ( 5 ), 623 ( b ), FDCPA 807 ( 2 ) ( A ) Story : I was in a financial hardship during the pandemic and tried to arrange payments, but this was not documented. Now it is damaging my credit profile and I am being penalized again through Experians failure to ensure accuracy and investigate my prior disputes. The lack of transparency is violating my due process rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$710.00} Date Opened : XX/XX/XXXX Status : Chargeoff Issue : This account was never validated upon request. I sent dispute letters and received no acceptable documentation. The company has a history of inaccurate and stale data reporting and Experian has failed to investigate as required. 
Law : FCRA 611 ( a ), 609 ( a ) ( 1 ), 623 ( b ), FDCPA 809 ( b ) Story : I never received full detail of the alleged debt and was never notified about the transfer of ownership. Experian failed to investigate and remove this account even after multiple certified disputes. I believe this account is either identity theft related or falsely sold without notice. The continuing damage is unfair and unlawful.

Conclusion and Remedy Requested : Under the FCRA and FDCPA, I demand that the CFPB direct Experian to investigate, validate, and remove all unverifiable, inaccurate, or outdated items listed above. Experian has repeatedly failed to meet its duty under 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of consumer reports. I also request a formal investigation into Experians dispute handling practices, including their failure to notify furnishers appropriately and to correct erroneous information after disputes. The harm I have endured is emotional, financial, and reputational. I ask for immediate resolution, deletion of all disputed entries, and confirmation in writing.

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