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: NY

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint concerning numerous inaccuracies and violations found on my credit report, including multiple incorrect addresses associated with my accounts, unverified charge-offs, and collection accounts. Despite my efforts to dispute these errors with the credit reporting agencies ( CRAs ), I have received no satisfactory resolution. I am requesting your assistance to investigate and enforce compliance under applicable federal laws. 
The following details outline the problematic accounts and addresses reported, alongside the relevant legal protections violated under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
1. Incorrect Address Reporting The following addresses have been erroneously reported in connection with my credit file, none of which are or have been my residences. These incorrect addresses misrepresent my identity and negatively affect my creditworthiness : 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 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 XXXX XXXX XXXX Violations : FCRA 609 ( c ) ( 2 ) ( 15 U.S.C. 1681g ( c ) ( 2 ) ) Right to accurate disclosure of information in consumer report. 
FCRA 611 ( 15 U.S.C. 1681i ) Duty to reinvestigate and correct inaccurate information promptly. 
Reporting of false information constitutes willful non-compliance with the obligation to maintain maximum possible accuracy under FCRA 607 ( b ). 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$29000.00} Date Opened : XX/XX/XXXXXXXX  Issue : This account is reported as a Charge-Off without proper notification or validation. I dispute the accuracy and completeness of this reporting. 
Violations : FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation.

FDCPA 809 ( b ) Failure to provide debt validation upon dispute.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate or incomplete information. 
XXXX. XXXX  Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$470.00} Date Opened : XX/XX/XXXXXXXX  Issue : This account is listed as a Collection but I have never received proper debt verification or notice. This collection is inaccurate and unverifiable. 
Violations : FDCPA 809 ( a ) ( b ) Debt collector 's obligation to validate debt upon request. 
FCRA 611 Failure to conduct reasonable investigation after dispute.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies. 
XXXX. XXXX XXXX Account Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$470.00} Date Opened : XX/XX/XXXX Issue : Similarly reported as a Collection without verification or documentation. 
Violations : Same as above, FDCPA 809 and FCRA 611 violations apply. 
Summary & Request These multiple incorrect addresses, charge-offs, and collections reported without proper validation violate my rights under federal consumer protection laws. These inaccuracies cause significant harm to my credit profile and financial wellbeing. 
I request that the CFPB : Investigate these accounts and related credit reporting agencies for compliance with FCRA and FDCPA requirements. 
Ensure all inaccurate addresses are removed immediately from my credit report. 
Verify and validate all disputed charge-offs and collections before they are reported. 
Remove or correct any unverifiable or inaccurate information in accordance with the law. 
Thank you for your prompt attention to this serious matter.

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