Consumer complaint received 2025-06-24 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:
Dear CFPB Officer, I am filing this formal complaint regarding multiple inaccuracies and violations on my credit report that are severely affecting my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681, Fair Debt Collection Practices Act ( FDCPA ), and related federal regulations. Despite prior disputes to the credit bureaus, these errors remain unresolved. I request immediate investigation, enforcement, and correction as mandated by federal law. 
WRONG ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are inaccurate and I have never lived at any of these locations. Continued reporting of these addresses violates FCRA 1681e ( b ), which mandates that consumer reporting agencies maintain accurate and up-to-date information.

CHARGE-OFFS 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$1000.00} ) * * XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXX, Balance : {$1000.00} ) * * These are duplicate charge-off entries from the same creditor, reflecting inconsistent account opening dates and balances, which constitutes a violation of FCRA 1681i ( a ). Reporting the same debt twice artificially inflates my delinquency.

3. U.S. Dept. of EdXXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$3400.00} ) * * This loan is inaccurately marked as a charge-off. Federal student loans are not typically charged off in this manner, and I was never notified of such a designation as required under 20 U.S.C. 1080a. This may constitute an error or improper handling by the servicer.

COLLECTIONS 1XXXX XXXX ( Original Creditor : XXXX XXXX at XXXX XXXX ) # XXXX This debt is unknown to me and never validated. Reporting unverified collections is a violation of FDCPA 809 ( a ) and FCRA 1681e ( b ).

2. XXXX XXXX # XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX # XXXX ( Original Creditor : XXXX XXXX XXXX Signature ) These debts appear duplicative and vague, and I was never served with debt validation notices in writing. Violation of FDCPA 809 and FCRA 1681b ( a ) ( 2 ) applies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) * * This collection is being reported without supporting evidence of the original contract or service obligation. Violation of FCRA 1681i ( a ). 
XXXX. XXXX XXXX # XXXX * * ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX I was never treated at this facility. I have submitted disputes to verify this medical debt, but no response was provided. This violates HIPAA privacy rules and FCRA requirements for verified reporting. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  This collection account has been paid, but continues to be reported as active. Failure to update or delete violates FCRA 1681c ( a ) ( 5 ) and FCRA 1681s-2 ( a ) ( 2 ).

7. XXXX XXXX XXXX # XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) * * Debt never validated. Reporting without proof of debt violates FDCPA 809 ( b ). 
LATE PAYMENTS DPT EDXXXX All accounts below are reported with late payments, many during periods where administrative forbearance or deferment was in effect due to COVID-19 relief or hardship. According to CARES Act 4022, during federally declared emergencies, these student loans were to be placed into automatic forbearance without negative credit reporting. Continued late reporting is in violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty to report accurate information CARES Act Relief Provisions for Federal Student Loans Accounts in question : # XXXX Balance : {$950.00} # XXXX Balance : {$2500.00} # XXXX Balance : {$3300.00} # XXXX Balance : {$1200.00} # XXXX Balance : {$3300.00} # XXXX Balance : {$910.00} # XXXX Balance : {$1200.00} # XXXX Balance : {$4400.00} # XXXX Balance : {$2100.00} # XXXX Balance : {$200.00} # XXXX Balance : {$4400.00} # XXXX Balance : {$3300.00} # XXXX Balance : {$1100.00} # XXXX Balance : {$3400.00} # XXXX Balance : {$3200.00} # XXXX Balance : {$9500.00} # XXXX Balance : {$4100.00} # XXXX Balance : {$3300.00} Each of these accounts reflects either inaccurate timing, improper reporting during forbearance, or duplication of late marks, which artificially depresses my credit score and places me in a false light.

REQUESTED RELIEF Immediately delete all inaccurate addresses Remove duplicate or invalid charge-offs and collections Correct or remove inaccurate late payment notations for student loans Compel the data furnishers to provide full debt validation documentation Enforce compliance with FCRA, FDCPA, and CARES Act regulations Require credit bureaus to reinvestigate under FCRA 1681i ( a ) and correct or delete unverifiable information within 30 days. 
Thank you for your attention to this serious matter. I request a full investigation and expect a resolution to these issues that align with the law and protect my consumer rights.

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