Consumer complaint received 2025-06-20 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:
I am filing this formal complaint against Experian for repeatedly reporting inaccurate, outdated, and unverifiable personal address information and delinquent accounts in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous attempts to resolve these inaccuracies directly with Experian, they have failed to correct the errors, leading to ongoing damage to my creditworthiness, reputation, and peace of mind.

I. Wrong Address Reporting ( Violation of FCRA 1681e ( b ), 1681i ) The following addresses were falsely reported on my Experian credit report. I have never lived at, owned, rented, or been associated with any of these locations. Reporting these addresses is a failure to maintain reasonable procedures to assure maximum possible accuracy, in violation of FCRA 1681e ( b ), and failure to reinvestigate after dispute, violating FCRA 1681i : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, Broken XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, VA XXXX These addresses have no legitimate, legal, or factual basis for appearing in my report and should be removed immediately. 
XXXX. Account-Level Issues ( FCRA 1681e ( b ), 1681i ) XXXX XXXX  XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX  High Balance : {$11000.00} Date Opened : XX/XX/XXXX Issue : Charge Off FCRA Violation : Reporting this account as a charge-off with outdated and inaccurate information without proper verification is a violation of FCRA 1681e ( b ) and 1681i. 
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  High Balance : {$23000.00} Date Opened : XX/XX/XXXX Issue : Charge Off FCRA Violation : This account was previously disputed for incorrect balance and charge-off date, but no investigation results were provided. This constitutes a violation of FCRA 1681i for failure to reinvestigate and respond. 
XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  High Balance : {$470.00} Date Opened : XX/XX/XXXX Issue : Collection FCRA Violation : This account was reported without proper validation or communication under the FDCPA and remains inaccurately marked in my file. 
XXXX. XXXX XXXX XXXX ( Entry XXXX ) Account Number : XXXX XXXX  High Balance : {$970.00} Date Opened : XX/XX/XXXX Issue : Collection FCRA Violation : The balance is inaccurate, and this collection entry lacks validation and violates FCRA 1681e ( b ). 
XXXX. XXXX XXXX XXXX ( Entry XXXX ) Account Number : XXXX XXXX XXXX  High Balance : {$1600.00} Date Opened : XX/XX/XXXX Issue : Collection FCRA Violation : Duplicate reporting by the same agency in different formats, violating 1681e ( b ) for duplicative and conflicting entries. 
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX High Balance : {$380.00} Date Opened : XX/XX/XXXX Issue : Collection FCRA Violation : Entry was previously paid and resolved, but Experian failed to mark as paid in violation of 1681c ( a ) ( XXXX ). 
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX High Balance : {$590.00} Date Opened : XX/XX/XXXX Issue : Collection FCRA Violation : This account appears with a future open date, which is not logically possible and clearly indicates a data error and violation under FCRA 1681e ( b ). 
XXXX. Unjust Hard Inquiry XXXX XXXX  XXXX of Inquiry : XX/XX/XXXX Issue : Hard inquiry without consumer consent FCRA Violation : This inquiry was not authorized by me and violates FCRA 1681b ( c ), which prohibits inquiries not initiated by the consumer. 
Requested Relief : XXXX. Immediate removal of all incorrect addresses listed above. 
XXXX. Complete deletion or correction of all account errors as outlined. 
XXXX. Removal of the unauthorized XXXX XXXX XXXX inquiry. 
XXXX. Formal explanation from Experian detailing how these entries were verified and why they were reported inaccurately. 
XXXX. Compensation or damages ( if applicable ) for emotional distress and harm caused due to Experians negligent and non-compliant behavior.

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