Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint regarding multiple false and damaging items being reported on my credit file. These inaccurate entries include wrong addresses, unverifiable charge-off accounts, and fraudulent collection activity. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and the jurisdiction of the Consumer Financial Protection Bureau, I am requesting an immediate investigation and deletion of these items because they are not accurate, not verifiable, and are harming my creditworthiness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Another false and inaccurate address. I have never been associated with this residence and no creditor can provide evidence linking me to this property. The continued presence of this information misleads lenders, affects my creditworthiness, and places me at risk for identity theft. I request immediate removal under FCRA Section 611 ( a ) as the information is unverifiable. 
XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX This address is also being falsely reported on my file. It does not belong to me, and I have no connection to it. The inclusion of this incorrect address is a direct violation of my rights under the FCRA because inaccurate data is being published and shared with third parties, which causes reputational damage and financial harm. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9100.00} Chargeoff This account is being reported as a chargeoff, yet I have no recollection, no contract, and no signed documentation that proves I ever opened or authorized this account. The reporting of this account is inaccurate, unverifiable, and damaging. The Fair Debt Collection Practices Act requires debt collectors to provide proper validation of any alleged debt under Section 809 ( b ). Without providing original signed contracts, itemized statements, and proof of ownership, this entry can not legally remain on my credit report. Additionally, the FCRA requires deletion of unverifiable accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Chargeoff This entry is also being falsely reported as a chargeoff. I have no knowledge of this account, never received bills, never signed an agreement, and never authorized this debt. Reporting such an account without proof is reckless, negligent, and unlawful. The FCRA requires maximum accuracy, and this account violates both Section 607 ( b ) and Section 611 ( a ). I dispute this in its entirety and demand immediate removal. 
XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$650.00} Collection This collection account is fraudulent and has no basis. XXXX XXXX XXXX has a long history of collecting debts without sufficient documentation. I have never received proper validation of this alleged account, and the balance is not tied to any account I recognize. Under the FDCPA, debt collectors must cease reporting and collecting until full validation is provided, including the original creditor agreement and itemized statement. Since no such validation has been provided, this is a violation of my rights, and I demand deletion under both FDCPA and FCRA. 
In summary, the reporting of false addresses, unverifiable chargeoffs, and fraudulent collections on my credit report is unlawful and in violation of federal consumer protection laws. I respectfully request that the CFPB investigate these violations, hold the furnishers and credit reporting agencies accountable, and require the immediate deletion of any items that can not be 100 % verified with original documentation. My right under federal law is to maintain a credit file free from inaccurate, misleading, and damaging information, and I am requesting that this right be enforced through your office.

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