Consumer complaint received 2025-06-09 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to report serious and repeated violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ) by the credit reporting agencies and the following financial institutions.

Despite my attempts to resolve these matters directly with the credit bureaus, the following false information continues to appear on my credit reports, harming my creditworthiness and causing severe emotional and financial distress.

Wrong Addresses Reported on My Credit Report ( FCRA 602, 607 ( b ) ) The following addresses do not belong to me, and I have never resided at these locations. These false addresses suggest identity confusion or mixed file errors, which is a direct violation of FCRAs mandate to maintain maximum possible accuracy. 
XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address Violation : FCRA 607 ( b ) Failure to maintain accurate information.

Remedy Requested : Immediate deletion of all incorrect addresses from all bureaus ( Experian, Equifax, and TransUnion ).

Account-Level Errors and Legal Violations 1. XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$600.00} Issue : Charge Off Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate or incomplete information FDCPA 807 Misrepresentation of the legal status of debt Lack of proper validation under 15 U.S. Code 1692g Remedy Requested : Full deletion of the charged-off status and proper investigation per FCRA guidelines. 
2. XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$480.00} Issue : Late Payments Violation : FCRA 611 Failure to reinvestigate disputed information Inaccurate reporting after direct disputes 3. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$65.00} Issue : Late Payments Violation : FCRA 602 ( A ) Failure to ensure fair and accurate credit reporting FACTA Section 312 Failure to respond to identity theft or errors properly 4. XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1000.00} Issue : Late Payments Violation : FCRA 623 ( b ) ( 1 ) ( D ) Failure to review and delete inaccurate data after dispute Violates maximum possible accuracy standard of 607 ( b ) 5. XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2600.00} Issue : Late Payments Violation : FCRA 623 ( a ) ( 1 ) ( A ) Unverified reporting without sufficient consumer verification 6. XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$15000.00} Issue : Late Payments Violation : FCRA 611 ( b ) Inadequate reinvestigation FDCPA 807 Misrepresentation of status and failure to validate under dispute 7. XXXX XXXX ( Duplicate Reporting ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1500.00} Issue : Late Payments Violation : FCRA 605B Reporting of potentially fraudulent information Duplicate accounts causing harm to credit score FCRA 607 ( b ) Relief Requested 1. Immediate deletion of all inaccurate addresses listed above.

2. Reinvestigation and correction/deletion of the accounts listed with errors.

3. Validation documentation under 15 U.S.C. 1692g for all negative items.

4. Compensation for damages under FCRA 616 and 617, if applicable.

5. Written confirmation of resolution and updated credit reporting.

Supporting Laws Referenced FCRA 602, 607 ( b ), 611, 623 FDCPA 807, 809 ( 15 U.S.C. 1692g ) FACTA Section 312 Accuracy and Integrity Rule I respectfully urge the CFPB to investigate this matter and ensure compliance by the reporting agencies and furnishers. The persistence of this misinformation reflects a disregard for federal law and consumer protection standards.

Thank you for your assistance in resolving this matter.

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