Consumer complaint received 2025-11-03 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: CO

Complaint narrative:
I am filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated by the inaccurate and unverified reporting of several accounts and an incorrect address on my credit report. These errors have caused significant harm to my creditworthiness and financial reputation. 

1. Wrong Address Reporting An address listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is appearing on my credit report. 
I have no connection to this address, have never lived there, and have no authorized accounts linked to it. This is a clear violation of FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of consumer information. This false address must be immediately deleted from all reports. 

2. XXXX XXXX XXXX ( Account # XXXX ) Collection Account Date Opened : XX/XX/XXXX Balance : {$2200.00} This account is being reported as a collection account. I have no knowledge of this account and have never received any validation or documentation proving this debt belongs to me. Reporting this account without proper verification violates FCRA 609 ( Right to Request Disclosure ) and 611 ( Dispute Procedure ). 
I am requesting this account be fully deleted from my credit reports, as it is unverified and inaccurate. 

3. XXXX XXXX ( Account # XXXX ) Charge Off Date Opened : XX/XX/XXXX Balance : {$230.00} This account is reported as a charge-off, yet I have no knowledge or record of any account with XXXX  XXXX. This entry is unverified and erroneous. Under FCRA 602 ( A ) and 611, the furnisher and the credit reporting agency are both responsible for ensuring complete accuracy and proper reinvestigation. 
I demand this account be deleted immediately for failure to verify ownership and accuracy. 

4. XXXX XXXX / XXXX XXXX Unverified Inquiry Date of Inquiry : XX/XX/XXXX An inquiry from XXXX XXXX / XXXX XXXX was made without my authorization. I never applied for credit or gave consent for this inquiry. Under FCRA 604 ( a ) ( 3 ), no one may access a consumers credit file without a permissible purpose.

I request that this unauthorized inquiry be removed immediately from all credit reporting databases. 

Requested Resolution I am asking the CFPB to investigate these violations and ensure that : The wrong address is permanently deleted. 

The XXXX XXXX XXXX collection is deleted as unverified. 

The XXXX XXXX charge-off is deleted as unverified. 

The XXXXXXXX XXXX XXXX XXXXXXXX XXXX inquiry is removed for lack of permissible purpose. 

These inaccurate and unverified items are damaging my credit, reputation, and ability to secure fair credit opportunities. I am requesting your urgent intervention to ensure compliance with all FCRA regulations by the data furnishers and credit reporting agencies involved. 

Thank you for your immediate attention to this matter. Please confirm receipt of this complaint and notify me once corrective action has been taken.

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