Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau because my credit report contains multiple inaccurate, unverified, and damaging items that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These items are harming my financial credibility, lowering my credit score, and preventing me from obtaining fair access to credit opportunities. I have outlined each issue below with the related law violations and the impact it has caused me. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : This address is inaccurately reported on my credit file. I have never lived at or been associated with this residence. 
Law : Under FCRA 602 ( A ) and 607 ( b ), credit reporting agencies must ensure that all reported information is accurate and based on reliable verification. Reporting a false address violates my rights under these provisions. 
Story : The inclusion of this false address creates the impression that I may have multiple identities or financial ties in locations where I never resided. This misinformation increases the risk of fraud, identity theft, and misattribution of debts to me. It has already resulted in confusion during loan applications, where underwriters questioned my stability and residency history. Such negligence damages my credibility and exposes me to harm that the FCRA was designed to prevent. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : Another false and unverified address being linked to my credit profile. 
Law : Under FCRA 609 ( a ) ( 1 ) and 611, I have the right to dispute and demand reinvestigation of any inaccurate personal information. The continued reporting of false addresses violates these sections. 
Story : This wrong address not only misrepresents my personal history but also directly interferes with my ability to obtain fair credit. Creditors reviewing my profile have questioned whether I attempted to conceal financial responsibility by moving frequently. This false reporting has stigmatized me as an unreliable consumer. I should not bear the consequences of a reporting system that fails to verify identity information with accuracy and diligence as required under the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$62000.00} Date Opened : XX/XX/XXXX Charge Off * * Issue : This account is being reported as a charge-off, which is damaging and inaccurate. The balance and reporting status are not being updated in compliance with accuracy standards. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. FDCPA 807 ( 8 ) also prohibits the false representation of the character, amount, or legal status of a debt.

Story : Reporting this account as a charge-off has unfairly destroyed my creditworthiness. I have attempted to seek clarification and documentation from the furnisher, but they failed to provide complete validation of the alleged debt. Without accurate validation, the continued reporting of this account is unlawful. Because of this accounts status, I have been denied housing, auto financing, and even basic lines of credit. This false charge-off paints me as irresponsible when in reality the creditor has failed to meet their legal obligation to report truthfully and fairly. 
XXXX XXXX XXXX High Balance : {$620.00} Date Opened : XX/XX/XXXX Collection * * Issue : This debt is being reported as a collection, yet I have never received proper validation or original account documentation. 
Law : FDCPA 809 ( b ) requires debt collectors to provide validation of a debt upon request. FCRA 607 ( b ) requires that all information furnished to a credit bureau must be accurate.

Story : The reporting of this collection account has caused immediate and unfair harm. I was never properly notified or given the chance to validate this alleged debt. By placing this collection on my credit file, the collector has violated both my FDCPA rights to verification and my FCRA rights to accurate reporting. Because of this, my credit score has dropped, affecting my ability to refinance my home and forcing me into higher interest rates on necessary loans. The stress and financial burden from this unlawful reporting are overwhelming. 
Conclusion : These wrong addresses, false charge-off, unvalidated collection, and unauthorized inquiry collectively show a pattern of noncompliance with federal consumer protection laws. The damage includes loss of financial opportunities, higher interest rates, emotional stress, and reputational harm. I am requesting that the CFPB investigate these violations and require the credit reporting agencies and furnishers involved to remove or correct the inaccurate and harmful information. 
Relief Requested : Permanent removal of the wrong addresses. 
Correction or deletion of the XXXX XXXX charge-off. 
Deletion of the XXXX XXXX collection account without proper validation. 
Removal of the unauthorized XXXX inquiry. 
Assurance that my credit file is updated to reflect only accurate and verified information in compliance with FCRA and FDCPA.

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