Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
I am filing this complaint as a consumer whose credit rights have been repeatedly violated due to false and inaccurate information being reported by XXXX XXXX and published by the three nationwide consumer reporting agenciesEquifax, Experian, and TransUnion. 

Specifically, the account labeled XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  is falsely appearing on my credit reports as a collection with a high balance of {$2400.00}, allegedly opened on XX/XX/year>. I have never applied for, opened, or maintained any account with XXXX. This account is not mine and appears to be the result of either identity theft or clerical misattribution. 

In addition, my credit reports are listing numerous addresses that are not mine and never have been. The following addresses are entirely inaccurate : 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 inaccuracies have had real-life consequences. I have been denied credit, faced obstacles in securing housing, and endured ongoing emotional distress due to the reputational damage and anxiety of having fraudulent data associated with my identity. I have submitted multiple disputes directly to all three credit bureaus with documentary evidence, including an FTC Identity Theft Report, and yet these errors remain uncorrected. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information [ 15 U.S.C. 1681e ( b ) ]. Additionally, when a consumer files a dispute, credit bureaus must conduct a reasonable reinvestigation and delete or correct inaccurate or unverifiable information within 30 days [ 15 U.S.C. 1681i ( a ) ].

Furthermore, under 15 U.S.C. 1681c-2, I am entitled to have fraudulent data resulting from identity theft blocked from my file within four business days of submitting appropriate documentation, which I have done. The failure of these agencies to comply with this obligation constitutes willful noncompliance, exposing them to liability under 1681n and 1681o. 

The repeated failure to remove this fraudulent account and incorrect addresses shows a systemic breakdown in compliance and poses an ongoing threat to my financial security and personal wellbeing. The consumer reporting agencies ' reliance on templated replies and failure to act in good faith with regard to my prior disputes further compounds the harm I have suffered. 

What would you like the company to do to resolve your issue? 
I am demanding the immediate deletion of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account from all credit reports. I am also requesting the permanent removal of all false address entries listed above. Additionally, I seek written confirmation from each credit bureau affirming that these inaccuracies have been permanently deleted and will not reappear. Should these issues remain unresolved, I will pursue legal remedies under 15 U.S.C. 1692k and seek civil damages for the ongoing harm caused by these violations.

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