Consumer complaint received 2025-07-29 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, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate and harmful entries on my credit report, including false addresses and improperly reported charge-off accounts. These errors violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These inaccuracies are causing serious financial and personal distress and have not been properly addressed by the consumer reporting agencies ( CRAs ) or furnishers after previous disputes. I respectfully request CFPBs investigation and enforcement intervention. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX WRONG ADDRESS Issue : This address is not and has never been associated with me Law : FCRA 1681b mandates that consumer information only be used for permissible purposes and accurate profiling Story : I have no connection to this address. I never lived, worked, or visited this residence. Continued reporting of this false data indicates a breakdown in internal validation systems, and failure to remove it constitutes willful noncompliance that may warrant legal escalation. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX WRONG ADDRESS Issue : Incorrectly reported as a residence on my credit report Law : Under FCRA 602 ( a ) and 611 ( a ), I have the right to dispute false or inaccurate data Story : This address appeared without my knowledge and has never been part of my documented history. Its presence has contributed to inaccurate risk assessments and has resulted in my credit being declined by lenders assuming false residence history. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$20000.00} CHARGE OFF Issue : Account reported as charge off without validation Law : FDCPA 809 ( b ), FCRA 623 ( a ) ( 8 ) Story : I was never given the opportunity to dispute or validate this account. No written notice or account summary was sent. I suspect that this charge-off was done prematurely or based on incorrect data. Under the law, you must provide verifiable documentation proving that I owe this debt before reporting it. Continued inclusion without validation is unlawful. 
XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$15000.00} CHARGE OFF Issue : Account misreported as charge-off Law : FCRA 611, FDCPA 809 Story : This account shows a charge-off but I never defaulted without communication. I attempted to settle the balance and was never advised of charge-off proceedings. No evidence has been provided to support this derogatory mark. I demand full validation or deletion in compliance with federal law. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$26000.00} CHARGE OFF Issue : Disputed charge-off status and reporting error Law : FCRA 1681s-2 ( b ) Story : This auto loan was impacted by COVID-19-related hardship and insufficient flexibility from the lender. My attempts to negotiate were ignored. The charge-off was unfair and unvalidated. This caused tremendous hardship when applying for housing. I request its immediate review and removal due to violations of my consumer rights. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$14000.00} CHARGE OFF Issue : Duplicate and aged account Law : FCRA 605 ( a ), 623 Story : This entry appears to be duplicated with another XXXX XXXX  account. If it stems from the same debt, it constitutes duplicate reporting. Moreover, it is over XXXX XXXX XXXX and should be removed under FCRAs obsolescence provision. Keeping this record falsely inflates my derogatory status and is unlawful. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$15000.00} CHARGE OFF Issue : Account obsolete and unverifiable Law : FCRA 605 ( a ) ( 4 ) Story : This charge-off is from over 13 years ago. Even if it were valid, which I dispute, it is well beyond the 7-year reporting window. It must be deleted for being obsolete and prejudicial to my current credit status. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$5100.00} CHARGE OFF Issue : No verification provided for the debt Law : FDCPA 809, FCRA 609 Story : I do not recall ever owning a card with this balance or issuer. I have not received any collection letters, statements, or itemized balances. Under federal law, you must provide written proof upon dispute. Continued listing without validation is willful misreporting. 
XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX High Credit : {$9400.00} CHARGE OFF Issue : Account too old to be reported Law : FCRA 605 ( a ) Story : This charge-off stems from a decade ago and exceeds the 7-year legal limit. It must be removed immediately. Keeping obsolete data affects my ability to obtain new credit and is not compliant with the law. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Credit : {$2100.00} CHARGE OFF Issue : Unrecognized account, likely fraudulent Law : FCRA 621, 1681c-2 Story : I never opened or authorized this account. I request an immediate fraud block and investigation. If this account was opened under stolen or mixed credentials, it must be deleted under FCRAs fraud provisions. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX High Credit : {$7100.00} CHARGE OFF Issue : Disputed ownership, unverifiable Law : FCRA 609 ( a ) ( 1 ) Story : This card was either opened without my knowledge or misused. I asked for proof of ownership and got none. Until verified through signed agreements and billing history, it must be removed. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$2300.00} CHARGE OFF Issue : Unauthorized account Law : FCRA 621 ( b ), FDCPA 809 Story : I have no knowledge of this account. It does not belong to me. If you can not provide proof, this is fraud and must be blocked under 1681c-2. This charge-off should never have been on my report. 
XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX High Credit : {$510.00} CHARGE OFF Issue : Outdated and disputed Law : FCRA 605 ( a ) ( 4 ) Story : This account is over 7 years old. Even if it was valid ( which I dispute ), it is past the legal reporting window. It is negatively affecting my score and must be removed. 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$7200.00} CHARGE OFF Issue : Incomplete verification and harmful error Law : FCRA 609 Story : This account was misreported with an inflated balance and never verified. I attempted to contact the furnisher for details and received no reply. I demand either proper documentation or immediate deletion. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$9800.00} CHARGE OFF Issue : Legally outdated Law : FCRA 605 ( a ) Story : This account is far beyond the 7-year reporting limit. Its presence on my report is illegal and harmful to my current credit efforts. I demand it be removed immediately. 
REQUEST : I am requesting that the CFPB investigate these violations and instruct the CRAs and data furnishers to remove the inaccurate addresses and charge-off accounts from my credit report. The failure to validate or correct this information after dispute is not only harmful but unlawful under multiple provisions of the FCRA and FDCPA. These issues have caused denials for housing, employment background checks, and emotional distress due to false and damaging data tied to my name.

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