Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding the grossly inaccurate and damaging information being reported by Equifax, Experian, and TransUnion on my credit report. This includes multiple incorrect addresses and several account inaccuraciesincluding charge-offs that are either inaccurate, incomplete, or not verified in compliance with federal law. 
Despite my efforts to resolve these issues directly with the credit bureaus, they have failed to conduct proper investigations or remove the false information. I am now requesting CFPB intervention to enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and if applicable, the Fair Debt Collection Practices Act ( FDCPA ).

Wrong Addresses Reported Without My Authorization or Residency : These addresses were never associated with me, and their presence on my credit file is a violation of FCRA 1681e ( b ), which requires the credit reporting agencies to maintain maximum accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Applicable Law : FCRA 1681e ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy.

FCRA 1681i ( a ) : Upon dispute, the CRA must reinvestigate and delete inaccurate information. 
Disputed Accounts Inaccurately Reported ( Charge-Offs ) : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Marked as Charge-Off This account has been reported as a charge-off, yet I have not received sufficient documentation validating this debt, nor was I properly notified or given an opportunity to dispute the balance before it was charged off. This negatively impacts my credit and violates multiple sections of the FCRA. 
Violations : FCRA 1681s-2 ( b ) : Furnishers must conduct a reasonable investigation of disputed information.

FCRA 1681e ( b ) : Duty to report accurate information.

FDCPA 809 ( b ) : Debt collectors must validate the debt upon request. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  High Balance : {$540.00} Date Opened : XX/XX/XXXX Issue : Charge-Off This charge-off entry has been posted without providing verifiable proof of the debt or how it was calculated. The amount and delinquency timeline appear inaccurate and inconsistent with my records. No proper notice was given.

Violations : FCRA 1681i ( a ) : Failure to investigate disputed information.

FCRA 1681e ( b ) : Inaccurate and unverified reporting.

15 U.S. Code 1692g ( b ) : Debt must be validated if disputed. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX High Balance : {$14000.00} Date Opened : XX/XX/XXXX Issue : Charge-Off I dispute the accuracy of this charge-off. XXXX XXXX failed to notify me prior to charging off the account, and I have not received sufficient documentation of how this balance was reached. Furthermore, this negative item is disproportionately damaging my credit profile.

Violations : FCRA 1681s-2 ( b ) : Duty to investigate disputed information by data furnishers.

FCRA 1681c : Incomplete or outdated information must not be reported.

FCRA 1681e ( b ) : Information must be reported with maximum accuracy.

Summary of Complaint : These inaccuracies have caused serious harm to my creditworthiness, resulting in denied credit opportunities, financial stress, and reputational damage. I have made several attempts to resolve these issues through direct disputes, yet the credit bureaus have failed in their obligation to properly investigate and correct the errors. 
Requested Resolution : 1. Immediate deletion of all inaccurate addresses listed above from my credit file.

2. Complete investigation and removal of disputed charge-off accounts unless full validation is provided within the time allowed by law.

3. Enforcement of my rights under FCRA and FDCPA by ensuring each credit bureau and data furnisher complies with the law.

I respectfully request the CFPBs assistance in holding the reporting agencies and furnishers accountable and ensuring these errors are corrected as required by law.

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