Consumer complaint received 2025-06-05 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: MO

Complaint narrative:
Dear CFPB Team, I am writing to formally file a complaint concerning multiple inaccuracies and unfair reporting practices on my credit report by various creditors and collection agencies. These errors have significantly harmed my creditworthiness, caused me emotional distress, and potentially violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 
Below is a detailed list of the inaccurate information and wrongful reporting for each account, along with the legal grounds for disputing these practices Incorrect Address Reporting ( Violation of FCRA 1681e ( b ) Duty to Ensure Accuracy ) My credit reports include multiple addresses that are not mine and have never been associated with me, which negatively impacts my credit profile and may lead to identity confusion. 
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 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 inaccurate addresses should be immediately removed from my credit reports as they violate the requirement to maintain maximum possible accuracy Charge-Off Accounts ( Violation of FCRA 1681i & 1681s-2 Duty to Investigate and Correct ) Several accounts have been improperly reported as charge-offs despite either being paid, settled, or inaccurate. This falsely lowers my XXXX XXXX and misrepresents my creditworthiness. 
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 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 I dispute these charge-offs as inaccurate or incomplete. Under FCRA 1681i and 1681s-2, the creditors and reporting agencies must conduct a reasonable investigation and correct or delete any inaccurate data. This has not been done. 
Late Payment Reporting ( Violation of FCRA 1681i, 1681s-2 and FDCPA 1692e False or Misleading Representation ) I also dispute the late payments reported on the following accounts. These late payments are inaccurate or unverifiable and unfairly damage my credit profile. 
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 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 Under the FCRA and FDCPA, I am entitled to accurate reporting and no deceptive or misleading statements by creditors or collection agencies. 
Impact These errors have caused me significant financial harm, including denial of credit and increased borrowing costs, and emotional distress due to the uncertainty and stress of handling wrongful reporting. I demand immediate correction of all inaccurate information to reflect the true status of my accounts and removal of the incorrect addresses. 
Request for Relief 1. Conduct a thorough reinvestigation of the above accounts as required by FCRA 1681i.

2. Remove all incorrect charge-offs and late payments not supported by accurate evidence.

3. Delete all inaccurate addresses from my credit reports immediately.

4. Provide me with a corrected copy of my credit report reflecting these changes.

5. Ensure compliance with the FDCPA to prevent further harassment or misrepresentation related to these accounts.

Please treat this matter with urgency as these reporting errors have caused and continue to cause undue harm. 
Thank you for your prompt attention.

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