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: GA

Complaint narrative:
To Whom It May Concern, I am writing this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). These federal laws require credit reporting agencies, furnishers, and collectors to maintain the highest level of accuracy, fairness, and verifiability of consumer credit data. I also invoke my rights under the Consumer Financial Protection Bureau ( CFPB ) rules, which empower consumers to challenge unfair, deceptive, and abusive reporting practices. The following items appearing on my credit file are inaccurate, unverifiable, or misleading, and I am demanding their immediate investigation and deletion in full compliance with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address Issue : Incorrectly attached to my report. Law : FCRA 605 mandates accurate reporting of public records and background data. FDCPA 807 ( 8 ) prohibits false credit information. Story : Associating me with a Georgia address where I never lived harms my reputation and makes me appear connected to accounts in that region. If any collection accounts from Georgia are tied to my name, this wrong address will make it harder to dispute them. This creates unnecessary stress and damages my ability to rebuild financial stability. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address Issue : This is another inaccurate address. Law : FCRA 607 ( b ) requires bureaus to follow reasonable procedures to assure maximum accuracy. Story : The repeated listing of multiple wrong addresses gives the impression of fraud or deliberate misrepresentation. Employers and landlords who run background checks may view me as unreliable, when in truth, this is simply negligent reporting by the bureaus. This is damaging to my character, financial profile, and opportunities. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Credit Limit : {$3200.00} Charge Off Issue : This account is being reported as charged off inaccurately. Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from providing inaccurate data. FDCPA 807 prohibits misrepresentation of debt. FACTA requires full disclosure of account information upon request. Story : This charge off has been reported without full validation. I was not given proper notice, and the alleged balance is inconsistent with my records. Reporting this as a charge off without validation misrepresents my financial behavior and unjustly lowers my credit score. This harms my ability to obtain auto loans, housing, or employment opportunities, violating my rights to fair credit consideration. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Credit Limit : {$3200.00} Charge Off Issue : Wrongly reported as a charge off. Law : Under FCRA 611, all negative tradelines must be verified with original source documents. If the furnisher can not produce those documents, the bureau must delete the item. Story  : This entry paints me as irresponsible when in fact no valid documentation has been provided. It has already caused me loan denials and embarrassment when applying for credit. Without proof, keeping this account on my file is a violation of federal consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Credit Limit : {$400.00} Late Payment Issue : Late payments are being reported that are not valid. Law : FCRA 605 ( a ) ( 5 ) regulates the time limits for reporting delinquencies, and furnishers must comply with 623 obligations of accuracy. Story : These lates are inaccurate and unverifiable. By keeping them on file, the bureau creates a false narrative of financial irresponsibility, which directly prevents me from obtaining fair credit. I dispute these as unlawful, and they must be removed. 
XXXX  XXXX Bankruptcy Reference # : XXXX Court : U.S. Bankruptcy Court Bankruptcy Issue : Bankruptcy reporting is inaccurate and improperly verified. Law : FCRA 611 ( a ) ( 2 ) requires verification directly with the court system, not through third parties. If verification can not be obtained from the original source, the record must be deleted. Story : This bankruptcy has been reported in a way that is damaging and misleading. If there is no direct certified record from the court, then reporting it is unlawful. This false entry stigmatizes me as financially irresponsible and continues to cause denials, humiliation, and financial setbacks. 
In conclusion, every one of these items is either inaccurate, unverifiable, or incomplete under the law. The FCRA, FDCPA, and CFPB rules mandate that consumer reports must be accurate, fair, and free from misleading data. I demand a full investigation and removal of these items within 30 days as required by law. If these inaccuracies are not corrected, I will escalate this matter to the CFPB, FTC, and the Attorney Generals office and consider private legal action for violations of my consumer rights.

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