Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts, address inaccurately reported on my credit file by creditors and debt collectors. Despite my repeated efforts to dispute these items with the credit reporting agencies, the inaccurate, unverifiable, and misleading information continues to appear on my report, causing serious harm to my creditworthiness and financial stability. I respectfully request the CFPB to intervene, investigate these matters thoroughly, and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have outlined each disputed account below with supporting facts and applicable legal violations.

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Issue : I have never lived at or been affiliated with this address and it is incorrectly reported on my credit profile Law : Under FCRA 15 USC 1681i and 1681e ( b ), credit bureaus must maintain accurate and verifiable information only Story : I verified all my valid past and current addresses through utility bills, leases, and my identification documents. This address does not belong to me and its presence is contributing to inaccurate associations on my report Address : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Issue : This address is unknown to me and is being inaccurately reported Law : FCRA 15 USC 1681c and 1681e ( b ) requires bureaus to ensure the maximum accuracy of reported data Story : I have never resided in XXXX, NV, and this incorrect address may be affecting the validity of the accounts reported under my profile. I am requesting its immediate removal Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Issue : This address was never affiliated with me and is being reported incorrectly Law : Under FCRA 1681e ( b ), reporting agencies must maintain accurate consumer data and remove false addresses upon dispute Story : I verified with my bank and government IDs that I never lived at this address and request its urgent removal from my file Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$140.00} Status : Chargeoff * * Issue : This account is being reported as a charge-off which is inaccurate and harmful Law : FCRA 1681s-2 prohibits furnishers from reporting information they know or have reason to believe is inaccurate Story : This account has been paid and settled but is still showing as charged off. I request full deletion or proper update of this tradeline as it is affecting my score Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Status : Late Payment * * Issue : Late payment is inaccurately reported after the account was fully closed and paid Law : Under FCRA 1681i, this must be reinvestigated as the date and status of late payment is unverifiable Story : I paid this auto loan in full, and the last payment history does not indicate any delinquency. Please remove the negative marking Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$360.00} Status : Chargeoff * * Issue : Account is falsely listed as a charge-off despite being disputed directly with XXXX XXXX XXXX FCRA 1681s-2 and 15 U.S.C 1681e ( b ) require accurate reporting and proper investigation upon consumer dispute Story : I never authorized this XXXX account. It may be fraud-related or mixed with another consumer. I demand its immediate deletion Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Status : Chargeoff * * Issue : This account was settled and should not reflect a charge-off Law : Per FCRA 1681s-2 ( b ), the furnisher must correct inaccurate information after receiving notice of a dispute Story : I settled this debt in full and it is falsely being shown as a charge-off. This is misleading and must be corrected immediately Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$3700.00} Status : Collection * * Issue : This collection is reported before any full billing cycle and may be illegally placed Law : FDCPA 807 and FCRA 1681i prohibit reporting debt that lacks proper verification and due process Story : I was never given proper validation or communication before this account went to collections. This must be deleted until proven valid Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$6000.00} Status : Collection * Issue : Collection is inaccurate as I never had a lease or obligation with this apartment complex Law : FCRA 1681i requires a reasonable reinvestigation of disputed information and FDCPA requires validation before collection reporting Story : This is not my account and I was never a tenant. This appears to be mixed file or identity confusion and must be deleted at once These accounts, address have significantly harmed my creditworthiness and mental well-being. I respectfully request that the CFPB take immediate action by initiating an investigation, compelling the data furnishers to provide full documentation verifying these debts or instructing the credit bureaus to delete the accounts due to failure to comply with federal consumer protection laws. I am also requesting that all credit bureaus update or delete any inaccurate information resulting from this dispute. I am exercising my rights under the FCRA and FDCPA and seeking the assistance of the CFPB to enforce fair and accurate reporting practices as guaranteed under federal 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