Consumer complaint received 2025-08-26 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: IN

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

ACCOUNT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Late Payment Law : FCRA XXXX ( A ), XXXX ( B ), XXXX ( A ) requiring maximum accuracy and proper reinvestigation Issue : This account is showing late payment history that I do not recognize or authorize Story : I have no recollection of missing payments on this account, and the reporting of late payments is harming my credit standing. If the furnisher can not validate with complete records, including my signed contract and accurate payment history, this account must be corrected or deleted ACCOUNT : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Collection Law : FCRA XXXX ( A ), XXXX ( B ), FDCPA XXXX ( B ) validation of debts required before reporting Issue : A collection account is listed without proper validation of debt Story : I never received notice of any debt owed to XXXX  nor validation from a third-party collector. Without proper documentation, this account is unverified and must be deleted ACCOUNT : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00} Collection Law : FCRA XXXX ( A ), XXXX ( B ), FDCPA XXXX ( B ) debt must be validated Issue : This large collection balance is inaccurate and unverifiable Story : I dispute this account as I never received any formal validation from XXXX XXXX XXXX or any collector. The balance seems inflated and is not backed by supporting documentation. Without verifiable records, this must be deleted ACCOUNT : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00} Charge Off Law : FCRA XXXX ( A ), XXXX ( B ), XXXX ( A ) furnisher must report accurate information Issue : Charge-off account reporting is not accurate and is disputed Story : I do not acknowledge this account. I was never provided proper validation, and the reporting of a charge-off is misleading and harmful. Since I can not verify this debt, it must be removed ACCOUNT : XXXX  XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} Collection Law : FCRA XXXX ( B ), XXXX ( A ), FDCPA XXXX ( B ) Issue : Collection is being reported without proper validation Story : I do not recognize this account in collections. The reporting lacks supporting evidence and is inaccurate. This must be removed unless proper validation is provided ACCOUNT : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Collection Law : FCRA XXXX ( A ), XXXX ( B ), FDCPA XXXX ( XXXX ), XXXX ( B ) Issue : Collection account not validated Story : I never received notification of this debt or any proof it belongs to me. This reporting is damaging and unverifiable. The account must be deleted I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

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