Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against multiple credit reporting agencies and furnishers for inaccurate, incomplete, and misleading information appearing on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

I. INCORRECT ADDRESSES BEING REPORTED The following addresses are inaccurately associated with my credit profile. I have never resided at nor have any verifiable connection to the following addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX These addresses are severely damaging my credit profile by associating me with accounts and locations I have no relation to. Reporting false addresses is a direct violation of FCRA 607 ( b ), which requires agencies to follow reasonable procedures to ensure maximum possible accuracy.

II. DISPUTED ACCOUNTS & ISSUES Below are specific accounts reporting inaccurate, outdated, or unverified negative information. These accounts are materially affecting my ability to obtain credit, housing, and employment. 
1. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$20000.00} Issue : Late Payments * * Late payments have been reported on this account without providing any proof that proper notice was given or that the payments were in fact late. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information if they know or have reasonable cause to believe that it is inaccurate. 
2. XXXX XXXX XXXX, XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Issue : Collection Account * * This is a third-party debt collection account with no prior verification, notice, or proof of debt validation sent to me as required under FDCPA 809 ( a ). Reporting this collection without validation violates my rights.

3. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Issue : Collection Account * * I was never notified about any balance owed nor was I offered an opportunity to dispute the debt. This constitutes a violation of FDCPA 807 ( 8 ) for attempting to report a collection account without prior communication and FCRA 611 for failing to ensure data accuracy.

III. LEGAL BASIS & DEMAND Under the FCRA ( 15 U.S.C. 1681i ), I am entitled to an investigation into disputed information on my credit file. The inaccurate reporting of addresses and unverifiable debts, especially when linked to addresses I have never lived at, creates a misleading impression of my creditworthiness.

Additionally, under the FDCPA ( 15 U.S.C. 1692g ), I have the right to request debt validation from collectors before the debt can be reported to credit bureaus.

I have previously disputed these issues with the credit bureaus, yet the information remains unchanged, which suggests a failure to reasonably investigate, further violating FCRA 1681i ( a ) ( 1 ) ( A ).

IV. RELIEF REQUESTED I am respectfully requesting that the CFPB investigate the following : 1. Immediate deletion of all incorrect addresses listed above from all three major credit bureaus ( Equifax, XXXX, and Experian ).

2. Thorough investigation and deletion of all inaccurate or unverified account information as detailed above.

3. Enforcement of civil penalties for any data furnishers or credit reporting agencies found to be in willful noncompliance with federal law.

4. Provide a full report of findings and ensure future compliance with federal law regarding the accuracy and fairness of my credit report. 
Thank you for your assistance in this matter. I am attaching a copy of my ID and recent utility bill as proof of identity and residency. 
Sincerely, XXXX XXXX

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