Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I am submitting this complaint to the CFPB to address serious inaccuracies on my credit report that have no basis in fact, including unauthorized charge-offs and a false address. Under the FCRA, reporting agencies and creditors must maintain complete, accurate, and verifiable information. The continued reporting of these items has caused significant financial, emotional, and legal harm. I request immediate CFPB oversight to enforce full reinvestigation, correction, or deletion of all disputed items and to ensure accountability of all responsible parties. 

Wrong Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX This address is completely wrong and has never been mine. I have no lease, utility bill, ID, or any record connecting me to this residence. Including this incorrect address continues to cause confusion, suggesting my file may be mixed with another consumer. This violates FCRA 607 ( B ), which requires credit bureaus to maintain maximum possible accuracy. Every day this false address remains attached to my credit profile, I am at risk of misattributed accounts, fraud concerns, and lowered credit standing. Because no creditor of mine should have reported this address, I demand its deletion as it is neither accurate nor verifiable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX This address also has no connection to me. I never lived here, never received mail here, and never authorized any creditor to associate me with it. The presence of this address points to a lack of proper verification when my file was created and updated. The FCRA requires that consumer reporting agencies adopt reasonable procedures to assure accuracy, and allowing false addresses to remain is a failure of that duty. This false address could be leading to incorrect reporting of accounts that do not belong to me, which unfairly damages my reputation and creditworthiness. It must be removed without further delay. 

Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Charge Off The reporting of this account is also highly questionable. The balance remains unsubstantiated, the dates do not align with other records, and there is no evidence that the furnisher followed lawful procedures in charging off this account. The FCRA makes clear that unverifiable or incomplete data can not remain on my report. Simply confirming the account through an automated system is not enough under federal law. If this account can not be proven with complete and accurate records, then its continued reporting is a violation of my rights. This account must be deleted if proper validation can not be produced. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3400.00} Charge Off This item has been challenged repeatedly, and yet the bureau continues to allow it to remain without producing documentation that would lawfully support its reporting. No original contract, no detailed billing records, and no chain of title for the debt have been provided. The FCRA Section 602 ( A ) clearly states that inaccurate credit reporting harms consumers, and Section 611 gives me the right to demand removal when an item can not be verified. If XXXX XXXX or the credit bureau can not furnish actual proof that this balance is accurate and that the reporting is correct in every detail, then this item must be removed permanently. Continuing to report it without proper evidence is unlawful and damaging. 

I request the CFPBs immediate oversight to guarantee that all disputed accounts and incorrect addresses are reinvestigated, verified, and corrected or deleted in accordance with FCRA requirements. The continued reporting of false information has caused substantial financial and personal harm. I request written documentation confirming all corrective actions taken.

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