Consumer complaint received 2025-08-18 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: IL

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint regarding multiple inaccuracies on my credit report, which have caused significant financial harm, stress, and hindered my ability to access credit. Despite my efforts to ensure accurate reporting, my credit report contains numerous errors, including incorrect addresses, charge-offs, and late payments. I request that the CFPB investigate these matters thoroughly under the Fair Credit Reporting Act ( FCRA ) and ensure that the inaccuracies are corrected immediately. 
Below is a detailed account of each disputed item : GENERAL DELIVERY XXXX, IL XXXX Issue : Wrong Address reported. 
Law : FCRA 611 and 609 grant me the right to dispute inaccurate information and request its deletion if it can not be verified.

Story : This address variation is completely unrelated to me and is inaccurately tied to my credit file. The existence of such multiple incorrect addresses is misleading and raises serious verification issues about the accuracy of your records. 

XXXX XXXX XXXX XXXX, IL XXXX Issue : Wrong Address reported. 
XXXX : FCRA 607 ( b ) mandates accurate reporting of consumer data. Reporting false addresses violates this section. 
Story : I never lived at the listed address, nor have I had any association with it. Linking me to an incorrect residence poses serious damage to my identity profile. This type of misreporting undermines my credit file integrity and violates federal compliance rules. 

XXXX XXXXXXXX XXXX XXXX Balance : {$740.00} | Date Opened : XX/XX/XXXX Issue : Reported as Charge Off, but balance and account details are questionable. 
Law : Under FCRA 611, you are obligated to verify the validity of this debt. If unverifiable, it must be removed. Also, pursuant to FDCPA 809, debt collectors must provide validation upon request.

Story : This account appears to be inaccurately reported as a charge-off. The balance, opened date, and ownership history are inconsistent. Without verifiable proof, continued reporting is unlawful and harmful to me. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$390.00} | Date Opened : XX/XX/XXXX Issue : Listed as Charge Off. 
Law : FCRA 609 ( a ) ( 1 ) requires disclosure of complete information regarding this account upon request, and if not verifiable, it must be deleted.

Story : This account status remains questionable since there is no proof provided of default history or balance validation. Unless verified, this should be removed immediately as inaccurate. 

XXXX XXXXXXXX XXXX  High Balance : {$600.00} | Date Opened : XX/XX/XXXX Issue : Charge Off reported incorrectly. 
Law : Under FCRA 607 ( b ) and 611, unverifiable or inaccurate information can not continue to remain. 
XXXX : This account has been reported inaccurately as a charge-off which can not be validated with the original creditor. Reporting unverifiable data damages my credit standing unlawfully. 

XXXX XXXX XXXX XXXX  High Balance : {$19000.00} | Date Opened : XX/XX/XXXX Issue : Charge Off with questionable reporting. 
Law : FCRA 611 and FDCPA 809 ( b ) require the furnisher and agency to verify. 
Story : Such a large balance reported as a recent charge-off without supportive verification is highly damaging. Any unverifiable information regarding this debt must be deleted permanently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1300.00} | Opened : XX/XX/XXXX Issue : Charge Off inaccurately reported. 
XXXX : As per FCRA 609 & 611, unverifiable negative data must be deleted. 
Story : No supporting documents proving default or true ownership of this account have ever been provided. Retaining unverifiable records is unlawful and harmful. 

XXXX XXXXXXXX XXXX XXXX  High Balance : {$520.00} | Opened : XX/XX/XXXX Issue : Marked with Late Payments accuracy questionable. 
Law : FCRA 611 requires strict verification of late payment history.

Story : This account lists late payments that are not accurate. Unless the creditor can provide complete records proving delinquency, these must be removed. XXXX XXXX XXXX XXXX XXXX  ( Multiple Listings ) Balances : {$1000.00} | {$1700.00} | {$2000.00} | Dates ranging from XXXX Issue : Marked with Late Payments, duplicate entries. 
Law : FCRA 605 ( XXXX statute on reporting certain negative items ) ; duplicate reporting violates FCRA XXXX ( b ). 
Story : These accounts are not only reported inaccurately with multiple late payment statuses, but also appear to be duplicate records causing artificial inflation of derogatory items. Such misreporting unfairly harms me and violates credit reporting laws. 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$360.00} | Opened : XX/XX/XXXX Issue : Reported as Charge Off. 
Law : XXXX FCRA XXXX and FDCPA validation requirements, debts must be fully verified. 
XXXX : This reported charge-off lacks proper validation or documentation supporting ownership. Without verification, it must be deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$3000.00} | Opened : XX/XX/XXXX Issue : Listed as Charge Off. 
Law : Unverified charge-off reporting is a violation of FCRA 607 ( b ).

Story : The creditor has failed to provide proper legal documentation validating this charge-off. In absence of such proof, I request removal immediately. 

XXXX XXXX XXXX Issue : High Balance {$3500.00} | Date Opened : XX/XX/XXXX | Late Payments Law : FCRA 607 ( b ) ( Maximum possible accuracy ), FCRA 609 ( a ) ( 1 ) ( A ) ( Right to full disclosure ), FDCPA 807 ( 8 ) ( Reporting invalid information is a violation ) Story : This account is over XXXX XXXX XXXX and reporting inaccurately with late payments that are unverifiable. According to the FCRA, derogatory information older than 7 years ( 15 U.S.C. 1681c ( a ) ) must not remain on a consumer report. Keeping this account active and derogatory after its expiration period is illegal and has been misrepresenting my creditworthiness. This is a direct harm to me, preventing fair access to financial opportunities. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Issue : High Balance {$780.00} | Date Opened : XX/XX/XXXX | Reported as Collection Law : FDCPA 809 ( b ) ( Validation of debts ), FCRA 611 ( Dispute process ) Story : This collection account was never validated with proper documentation. I requested proof of the original contract and itemized statement, which was not provided. Reporting an account without furnishing proper validation is a violation. This is misleading and creates an inaccurate credit profile, which is inconsistent with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : High Balance {$740.00} / {$680.00} | Opened XXXX | Collection Law : FDCPA 807 ( 2 ) ( A ) ( False representation of debt ), FCRA 609 ( Right to source information ), FDCPA XXXX ( Unfair practices ) Story : XXXX XXXX has a documented history of purchasing older debts and re-aging them illegally to continue reporting them. This practice misleads the credit bureaus and violates the " statute of limitations '' and FCRA 623 ( a ) ( 5 ) which requires accurate reporting of the original delinquency date. These accounts must be fully deleted unless XXXX provides original, signed credit agreements and an unbroken chain of assignment. 

UNAUTHORIZED & EXCESSIVE INQUIRIES, ADVIA CREDIT UNION Law : FCRA 604 ( Permissible purpose of consumer reports ), FCRA 609 ( Right to know who accessed file ). 
Story : Many of these inquiries were conducted on the same date ( XX/XX/XXXX ), which strongly suggests unauthorized or impermissible access. Under FCRA 604, each inquiry must have a documented permissible purpose such as consumer-initiated credit application. Since I did not authorize several of these inquiries, they constitute violations and must be deleted. Excessive inquiries have also contributed to a lower XXXX XXXX, blocking my access to housing and auto financing. 

Requested Action : I respectfully request that CFPB : 1. Investigate each inaccuracy with the credit reporting agencies and furnishers.

2. Ensure correction or deletion of all erroneous entries.

3. Provide confirmation of corrections and an updated credit report.

These inaccuracies have caused financial hardship, undue stress, and misrepresentation of my creditworthiness. I urge immediate attention and resolution in accordance with FCRA regulations.

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