Consumer complaint received 2025-06-04 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: NV

Complaint narrative:
I am submitting this complaint because several inaccurate and fraudulent accounts, as well as unauthorized addresses, continue to appear on my credit report despite my repeated efforts to dispute them. These errors are severely impacting my financial stability, and I believe they reflect violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and potentially 18 U.S.C. 1028 ( Identity Theft ).

Timeline and Discovery I first noticed these errors after being denied for a major loan. Upon pulling my credit reports from all three credit bureaus, I discovered several addresses where I have never lived and accounts I never opened or that contain inaccurate derogatory information. I have already submitted formal disputes to the credit bureaus and some furnishers, along with supporting documentation, but the inaccuracies persist.

Inaccurate Addresses ( Violation of 15 U.S.C. 1681e ( b ) failure to maintain accurate and up-to-date credit file ) The following addresses are appearing on my credit report, even though I have never resided at or used these addresses. Their continued presence suggests possible identity theft and constitutes inaccurate reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses should be immediately removed from my credit file. Their presence violates the FCRAs requirement that consumer reporting agencies maintain maximum possible accuracy.

Disputed and Fraudulent Accounts XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Charge-Off reported with {$3500.00} balance Violation : 15 U.S.C. 1681s-2 ( b ) failure to reasonably investigate dispute ; potential identity theft under 18 U.S.C. 1028 I did not authorize this account and have disputed it with no resolution. 

XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : {$19000.00} Charge-Off Violation : Same as above erroneous reporting without validation or proper investigation XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate listing of same charge-off account for {$3500.00} Violation : 15 U.S.C. 1681c ( f ) duplicate entries ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) reporting inaccurate info XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Issue : Duplicate charge-off reported for {$5900.00} Violation : FCRA 1681e ( b ) failure to ensure accuracy ; potential identity misuse XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : {$4000.00} Charge-Off Violation : 15 U.S.C. 1681s-2 ( b ) failure to correct disputed item XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Issue : {$9900.00} Charge-Off Violation : Inaccurate balance reporting ; dispute unresolved XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : {$26000.00} Charge-Off Violation : Failure to validate account after dispute as required by FCRA 611 ( 15 U.S.C. 1681i ) XXXX. XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Issue : {$530.00} in collection opened XX/XX/2024 Violation : FDCPA 809 ( 15 U.S.C. 1692g ) no debt validation was provided upon request Legal and Personal Impact Due to these errors : I have been denied credit, housing, and employment opportunities My credit score has suffered significant damage I have experienced emotional distress, XXXX, and lost time in disputing and attempting to correct these issues I have submitted FTC Identity Theft documentation and dispute letters, yet the data furnishers and credit bureaus have failed to conduct reasonable investigations as required by law Requested Resolution I am requesting that the CFPB : Investigate all inaccurate and fraudulent accounts and addresses listed above Ensure the removal of all unverifiable or incorrect information from my credit report under FCRA 1681i Hold the data furnishers accountable for failing to properly investigate and respond to my disputes under 1681s-2 ( b ) Ensure compliance with FDCPA 809 for any debt collectors reporting or pursuing unverifiable debts I am attaching supporting documents including my FTC Identity Theft Report, prior dispute letters, and copies of credit reports showing the violations.

I ask the CFPB to compel all credit reporting agencies and furnishers to comply with federal law and restore accuracy to my credit profile.

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