Consumer complaint received 2025-08-08 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: HI

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) I am filing this formal complaint against certain credit reporting agencies and furnishers for reporting inaccurate, unverifiable, and misleading information on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 604, 607, 609, and 611, and in some cases, the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ).

The following personal addresses are being falsely reported as my past or current residences, which is completely inaccurate : XXXX XXXX  XXXX, XXXX, XXXX XXXX Issue : Wrong Address Law : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure all addresses reported are accurate and up-to-date to protect consumer rights.

Story : This incorrect address has been unfairly listed on my credit file without my consent. It causes significant damage to my financial reputation, resulting in difficulties with banking, loan approval, and identity verification. Despite repeated requests for correction, no remedial action has been taken, severely affecting my credit profile. 

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Issue : Wrong Address Law : Per FCRA section 15 U.S.C. 1681e ( b ), reasonable procedures must be employed to ensure maximum accuracy of credit reporting data. 
Story : I have never lived at this address. Its unauthorized listing restricts my access to jobs, loans, and exposes me to breaches of personal data. Persistent correction requests have been ignored, perpetuating this harmful error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Issue : Wrong Address Law : CFPB and FTC regulations mandate the utmost precision and verification of consumer address information. 
Story : Though I have no connection to this location, it remains linked to my credit file. This misinformation has caused repeated rejection from financial institutions and tangible financial loss due to erroneous credit assessments. 

XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Issue : Charge Off Law : Verification requirements under FCRA must prevent misreporting of accounts not belonging to the consumer. 
Story : This account does not belong to me but is flagged as " Charge Off '' on my credit file. This misattribution damages my creditworthiness, causing financial hardship despite my repeated disputes. 

XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$10000.00} Issue : Late Payment Law : FCRA 1681c-2 and the Equal Credit Opportunity Act provide for error correction and equal treatment in credit reporting.

Story : The reported late payment is incorrect ; I have made all payments on time. This inaccurate reporting harms my credit score and reduces my access to further credit. The error remains despite formal disputes demanding prompt correction. 

XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$520.00} Issue : Late Payment Law : FCRA dispute provision ( 1681i ) requires erroneous information to be corrected upon dispute.

Story : The late payment record shown is false. It negatively affects my financial history with no basis. Despite my disputes, the incorrect data is still present, causing unwarranted damage. 

XXXX XXXX Open Date XX/XX/XXXX High Balance {$4500.00} Issue : Charge Off Law : CFPB Regulation V ensures fair dispute resolution processes. 
Story : I do not own or have any responsibility for this account, yet it is reported as charged off. This error could stem from identity theft or reporting mistakes. I demand immediate deletion in compliance with the law. 

XXXX XXXX Date Opened XX/XX/XXXX High Balance {$210.00} Issue : Collection Law : CFPB and FDCPA prohibit deceptive collection practices and inaccurate reporting. 
Story : This collection record is baseless. Despite my dispute, inaccurate and harmful information persists, continuously lowering my credit score and financial credibility. 
Requested Resolution : I request that the CFPB investigate these violations, require the credit reporting agencies and furnishers to provide complete validation with original documentation, and if they can not, order the immediate deletion of these inaccurate entries. Furthermore, I request a written confirmation of all actions taken. 
If these errors are not corrected, I reserve the right to pursue legal action for damages under FCRA 616 & 617.

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