Consumer complaint received 2025-08-21 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: OH

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint because my credit report contains multiple serious inaccuracies that are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and federal bankruptcy protections. These errors have caused significant financial and emotional harm, and despite my attempts to address them, they continue to remain on my credit file. I request CFPBs assistance in holding the credit reporting agencies and furnishers accountable for these violations and ensuring that my consumer rights are fully protected. 
Below I am providing a detailed list of each error, along with the issue, the law violated, and how it has impacted me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Wrong Address Issue

: This is also not my residence and must be deleted. Law : FCRA 607 ( b ) req
uires credit reporting agencies to ensure maximum accuracy. 
Story : Wrong addresses tie my credit history to locations I never resided at, which can link me to accounts or public records that are not mine. This creates a false trail of identity that may suggest fraudulent activity. The FCRA clearly requires that consumer reports contain only accurate information, and keeping this address violates that duty. 
XXXX XXXX XXXX * Charge Off, High Balance {$850.00}, Date Opened XX/XX/XXXX * * Issue : Reported as charge off, but the information is inaccurate and not properly verified.

Law : FCRA 611 requires creditors to verify all disputed accounts with complete documentation. FDCPA also prohibits inaccurate debt collection reporting. 
Story : This account was reported as charged off, but I was never provided proper validation of the debt. The balance and history are questionable, and without proper documentation, XXXX XXXX is reporting inaccurate information. Such a mark damages my creditworthiness and reputation unfairly. 
XXXX XXXX Charge Off, High Balance {$610.00}, Date Opened XX/XX/XXXX * * Issue : Inaccurately reported charge off. 
Law : FCRA 602 and 611 require accuracy and verification of information.

Story : This negative report suggests financial irresponsibility, yet the creditor has not validated the debt. I believe this account m
ay not even belong to me, and no proof of contractual obligation has been produced. This is unfairly damaging and violates my rights. 
XXXX XXXX Charge Off, High Balance {$440.00}, Date Opened XX/XX/XXXX * * Issue : Improperly listed as charge off. 
Law : FCRA 623 requires furnishers to provide accurate and verifiable information. 
Story : The small balance listed and the charge off status are suspicious, suggesting that the debt may not have been handled or verified properly. Reporting agencies must not allow unverifiable information to remain on a consumers file. 
XXXX XXXX Charge Off, High Balance {$11000.00}, Date Opened XX/XX/XXXX * * Issue : Charge off reported incorrectly. 
Law : FCRA 609 requires creditors to provide verification upon dispute. 
Story : This is a major derogatory mark and has caused significant financial harm. However, I dispute the accuracy of both the balance and the status. Without proper proof, this account should not remain on file. 
XXXX, XXXX XXXX XXXX XXXX Collection, High Balance {$1500.00}, Date Opened XX/XX/XXXX * * Issue : No proper verification, questionable entry. 
Law : FDCPA requires collectors to validate debts and prohibits reporting unverifiable accounts. 
Story : I do not recognize this account, and no supporting documentation has been provided. Reporting agencies can not continue to publish unverified collections. 
Inquiries ( XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ) Issue : Multiple unauthorized or repetitive inquiries.

Law : FCRA 604 requires that inquiries appear only with permissible purpose.

Story : Several inquiries were made without my consent or knowledge, and others are duplicated. These inquiries harm my credit score and falsely suggest that I am seeking excessive credit. I never authorized some of these, and therefore they must be deleted. 
Conclusion The above items represent a serious pattern of inaccurate, unverifiable, and unlawful reporting by furnishers and credit bureaus. These violations of FCRA, FDCPA, and bankruptcy protections are damaging my financial life. I respectfully request CFPBs urgent assistance in requiring the credit reporting agencies and furnishers to investigate, correct, and delete these unlawful entries from my credit file. Failure to enforce the law allows these companies to continue harming consumers like me. 
Thank you for your attention to this matter. I trust that the CFPB will ensure my rights are upheld and that accurate reporting standards are enforced.

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