Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
To Whom It May Concern : I am filing this complaint to formally report multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws by [ Credit Bureau Name ] and certain furnishers of information. These violations involve inaccurate personal information, erroneous account reporting, and unauthorized credit inquiries that are currently appearing on my credit file.

The disputed items are listed below, along with the specific nature of the inaccuracy, the laws being violated, and how these errors are harming me : The presence of incorrect addresses, erroneous account statuses, and unauthorized inquiries is causing severe harm to my creditworthiness, ability to obtain financial services, and overall financial standing. I have never lived at some of the addresses reported, I have accounts listed that are inaccurate or unverified, and I have inquiries I did not authorize. This situation creates the appearance of fraudulent activity and significantly undermines the integrity of my credit history. 
Below, I have listed each item with its corresponding Issue, the Law being violated, and my detailed Story explaining the harm caused. 
XXXX XXXX XXXX, AZ XXXX Wrong Address Issue : This address does not belong to me and is incorrectly reported.

Law : FCRA 602 ( A ) and 607 ( B ) Credit reporting agencies must maintain maximum possible accuracy and can not report unverified or false identifying information. 
Story : I have never resided at, received mail at, or had any association with this address. Including it on my credit report creates the impression that I may be linked to accounts or debts tied to this location. This misrepresentation exposes me to identity theft risks and makes it appear that I have unstable residency history, potentially lowering my creditworthiness in the eyes of lenders and employers. 
XXXXXXXX XXXX XXXX  XXXX, TX XXXX Wrong Address Issue : Incorrectly listed as one of my residences.

Law : FCRA 607 ( B ) Duty of accuracy in consumer reports.

Story : I have never lived at or been affiliated with this property. Wrong addresses create confusion during credit verification, delay approvals, and can cause lenders to suspect fraudulent behavior. 
XXXX  XXXX XXXX Charge-Off Issue : Account status is reported as a charge-off, but this is inaccurate and unverifiable.

Law : FCRA 623 ( A ) Furnishers must report accurate information ; 611 ( A ) Disputed data must be reinvestigated.

Story : The charge-off designation is damaging my credit score substantially. I have requested verification from the furnisher, but they have failed to provide proper documentation that proves this account belongs to me and is reported correctly. Reporting a charge-off without adequate validation is a direct violation of the FCRA and has resulted in credit denials, higher interest rates, and XXXX XXXX 
XXXX XXXX Collection Issue : Collection account is inaccurate and lacks proper verification.

Law : FCRA 609 ( A ) ( 1 ) Right to request all information in the file ; FDCPA 809 ( B ) Debt collectors must cease collection until debt is validated. 
Story : I do not recognize this account, nor have I been provided documentation linking me to this alleged debt. This account is severely harming my credit standing and is a potential case of mistaken identity or fraudulent activity. 
XXXX XXXX XXXX XXXX  Inquiry ( XX/XX/year>2023 ) Issue : Unauthorized inquiry. 
Law : FCRA 604 ( A ) ( 2 ) Inquiries must have permissible purpose.

Story : I never applied for credit with this entity on the reported date. This inquiry is unauthorized and suggests possible fraud. Each unauthorized inquiry reduces my credit score and damages my creditworthiness. 
XXXXXXXX XXXX Inquiry XXXX XX/XX/year>2023 ) Issue : Inquiry without my consent. 
Law : FCRA 604 ( A ) ( 2 ).

Story : I did not grant permission for this inquiry. It was made without a permissible purpose, which violates my rights and negatively impacts my score.

Requested Resolution : Immediate removal of all inaccurate addresses.

Deletion of unverifiable charge-off and collection accounts.

Removal of all unauthorized credit inquiries.

Written confirmation of the corrections made.

These violations have resulted in financial loss, denial of credit, increased interest rates, and XXXX XXXX. The continued reporting of these inaccurate items damages my reputation and violates federal law. 
I respectfully request the CFPB to take appropriate enforcement action to ensure my rights are protected and to compel the parties involved to correct these violations immediately.

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