Consumer complaint received 2025-08-16 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:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my consumer report contains multiple inaccurate addresses, accounts, late payments, charge-offs, collections, and unauthorized inquiries. These errors are seriously damaging my creditworthiness, preventing me from obtaining fair financial opportunities, housing, and employment. I have disputed these items with the credit reporting agencies, but they remain on my report in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB step in to enforce my rights and ensure that the credit bureaus and furnishers comply with the law. 
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law Issue : FCRA 607 ( b ) requires maximum possible accuracy.

Story : This address does not belong to me, I have never lived there nor have I been associated with this residence. Reporting this false address creates identity confusion and inaccurate record-keeping. Please remove immediately. 

Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Law Issue : FCRA 607 ( b ) requires maximum possible accuracy.

Story : This address is also not associated with me. Keeping this on my file misrepresents my true identity and links me to information not belonging to me. I demand its deletion. 

Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$13000.00} Chargeoff Law Issue : FCRA 607 ( b ) and 611 require accuracy and reinvestigation.

Story : This account is reporting a chargeoff with an alleged balance that can not be verified properly. The balance and status appear inconsistent with my records, and no supporting validation has been provided. Continued reporting without full verification violates my rights. Please reinvestigate and delete if unverifiable. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$0.00} Late Payment Law Issue : FCRA 607 ( b ) requires accurate reporting, and accounts with {$0.00} balance should not continue to report derogatory information.

Story : This account shows a {$0.00} balance yet still reports a late payment history. A {$0.00} balance indicates there is no current obligation, making the continued derogatory reporting misleading and unfair. Please correct or remove this account. 

Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Law Issue : FCRA 604 ( a ) requires permissible purpose for inquiries.

Story : This inquiry was not authorized by me and has no legitimate business need. Its reporting negatively impacts my credit standing and should be removed immediately. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations and require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses, unverifiable accounts, and unauthorized inquiries must be corrected or deleted immediately. These errors are causing me real financial harm, and I rely on the CFPB to enforce my rights under federal law and hold the responsible parties accountable.

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