Consumer complaint received 2025-07-04 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: MI

Complaint narrative:
To Whom It May Concern, This is a formal complaint being submitted to the Consumer Financial Protection Bureau ( CFPB ) against Experian for continued and repeated reporting of inaccurate, incomplete, and unverifiable information on my credit file. I am a victim of systemic reporting failures, and despite my previous attempts to resolve these issues directly with the credit reporting agency, Experian has continued to publish erroneous data that is negatively impacting my creditworthiness, employment opportunities, housing prospects, and emotional well-being. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, and requesting an urgent investigation and correction/removal of the following false information. 
Wrong Addresses Being Reported by Experian 1. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Issue : This address does not belong to me and has never been associated with my residence. Its presence on my file is a violation of FCRA 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy.

Law Cited : FCRA 1681c ( a ) ( 4 ) prohibits reporting of outdated or incorrect identifying information.

Request : Immediate removal of this address as it is materially misleading and potentially links me to accounts or inquiries that are not mine.

2. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Issue : I have never lived at this address. Reporting it associates me with a geographic location where I have no ties.

Law Cited : FCRA 1681e ( b ) Inaccurate personal data should be removed if unverifiable.

Request : Delete this address and conduct an audit to determine how it appeared on my file.

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Issue : Another completely incorrect address, never lived there, no connection whatsoever.

Law Cited : FCRA 1681i ( a ) Requires reinvestigation when a consumer disputes inaccurate information.

Request : Permanent removal and system update to prevent reappearance.

Incorrect Accounts & Derogatory Reporting 1. XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> | Balance : {$0.00} | Status : Charge Off * * Issue : This account is being falsely reported as charged off even though it shows a {$0.00} balance. This is misleading and severely impacts my credit score by signaling negative credit behavior.

Law Cited : FCRA 1681e ( b ) Reporting must be fair and accurate.

Law Cited : FCRA 1681i ( a ) The CRA must investigate any disputed information.

Request : I demand a full investigation and immediate removal or correction of this charge-off notation. If the balance is {$0.00}, the charge-off status is not accurate and violates my rights.

2. XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> | Balance : {$510.00} | Status : Collection * * Issue : This debt is unknown to me. I was never notified of it, never validated, and never granted an opportunity to dispute or verify its legitimacy.

Law Cited : FCRA 1681g Requires the CRA to disclose all sources of data to the consumer.

Law Cited : FDCPA 809 ( a ) Consumers must be provided with notice of debt and their right to dispute.

Request : Delete this entry immediately due to lack of validation and violation of federal law. This is unverified and was never communicated to me.

3. XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> | Balance : {$230.00} | Status : Charge Off * * Issue : I have no knowledge of opening this account, and no documentation has ever been provided by Experian to verify my legal responsibility for this debt.

Law Cited : FCRA 1681i Failure to reinvestigate the validity of this account is a direct violation of my rights.

Law Cited : FCRA 1681s-2 ( b ) Furnishers of data must correct and update inaccurate information.

Request : Permanent deletion of this fraudulent charge-off account.

4. XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> | Balance : {$4100.00} | Status : Charge Off * * Issue : I did not authorize or open this account. This is either an error or a case of identity theft. I have not received any collection notices or billing statements tied to this account. 
Law Cited : FCRA 1681c-2 I have the right to block any information resulting from identity theft.

Law Cited : FCRA 1681e ( a ) CRAs must maintain reasonable procedures to avoid such errors.

Request : This account should be deleted immediately due to lack of verification and potential fraud exposure.

Relief Requested I am requesting that the CFPB initiate a full investigation into Experians practices of reporting unverifiable and inaccurate information. The inclusion of wrong addresses, false charge-offs, and unvalidated collection accounts demonstrates a willful disregard for the accuracy obligations under the Fair Credit Reporting Act. These errors are causing irreparable harm to my creditworthiness, emotional XXXX, and potential housing and employment instability. I have repeatedly attempted to have these corrected through Experians internal dispute process to no avail. This complaint serves as a final recourse. 
I request that the CFPB compel Experian to : Delete the incorrect addresses immediately Remove all unverifiable charge-off and collection accounts Provide a corrected copy of my credit report Conduct a thorough reinvestigation as required by law Impose regulatory penalties for noncompliance where applicable

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