Consumer complaint received 2025-06-04 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: CO

Complaint narrative:
I am writing to urgently request the Consumer Financial Protection Bureaus assistance regarding multiple inaccurate, fraudulent, and legally noncompliant entries on my credit report. My credit file contains false addresses, charged-off accounts I never authorized, and collection actions taken without proper validation. 

Timeline and Discovery : I first noticed these inaccuracies while reviewing my credit report in [ Month Year please specify if known ]. I have never lived at the following XXXX addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX These addresses are entirely unfamiliar to me and indicate possible identity theft or mixed file errors. 

In addition, my credit file includes numerous charged-off and collection accounts that I did not open or authorize. I have filed disputes with the credit bureaus and requested verification from furnishers under the Fair Credit Reporting Act ( FCRA ), yet the accounts remain. These unresolved issues have severely impacted my financial wellbeing, credit access, and peace of mind. 

Disputed Accounts with Legal Violations : XXXX Account XXXX. XXXX Issue : Unauthorized account with charge-off status despite {$0.00} balance Date Opened : XX/XX/XXXX Violations : 15 U.S.C. 1681b No permissible purpose 15 U.S.C. 1681i Failure to reasonably investigate dispute Gramm-Leach-Bliley Act Failure to safeguard personal data XXXX Account XXXX. XXXX Issue : Unauthorized account, charged-off, opened XX/XX/XXXX XXXX : {$0.00} Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information 15 U.S.C. 1681c Reporting obsolete/inaccurate data XXXXXXXX XXXX XXXX Account XXXX. XXXX Issue : Fraudulent charge-off of {$14000.00} Date Opened : XX/XX/XXXX Violations : 15 U.S.C. 1681i Lack of proper reinvestigation 15 U.S.C. 1681s-2 ( b ) Failure to correct after notice XXXX  XXXX Account XXXX. XXXX Issue : Duplicate and unauthorized entries Highest Balances : {$7500.00} ( Opened XX/XX/XXXX ) and {$26000.00} ( Opened XX/XX/XXXX ) Violations : 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failure to report account as disputed 15 U.S.C. 1692e ( 8 ) Reporting false credit information XXXX XXXX Account XXXX. XXXX Issue : Unauthorized charge-off of {$2400.00} Date Opened : XX/XX/XXXX Violations : 15 U.S.C. 1681b No authorization to access credit FTC Identity Theft Rules Failure to respond to identity theft claim XXXX XXXX Account No. XXXX Issue : Auto loan charge-off of {$100000.00} I never initiated Date Opened : XX/XX/XXXX Violations : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete inaccurate information 18 U.S.C. 1028 Identity theft involving unauthorized account XXXX XXXX XXXX Account No. XXXX Issue : Unauthorized collection account, original balance {$360.00} Date Opened : XX/XX/XXXX ( note : future date suggests reporting error ) Violations : 15 U.S.C. 1692g ( a ) Failure to validate debt upon request 15 U.S.C. 1692e Misleading representation of debt Impact on My Life : These errors have gravely impacted my ability to obtain housing, access credit, and live with peace of mind. My credit score has dropped significantly due to these fraudulent and inaccurate reports, resulting in emotional stress, higher interest rates, and lost financial opportunities. I have invested time in filing disputes, creating an FTC Identity Theft report, and mailing documentation, yet the furnishers and bureaus have failed to fulfill their legal obligations. 

Requested Resolution : I respectfully request the CFPB to : Investigate each furnisher and credit bureau involved Order the immediate removal of all unauthorized and inaccurate accounts Require furnishers to provide proof of account ownership with signed contracts or identity documentation Impose regulatory penalties where violations of the FCRA, FDCPA, or Identity Theft statutes are found Ensure permanent deletion of the two unauthorized addresses from my credit file I am attaching my FTC Identity Theft Report, dispute letters, and supporting documents to substantiate my claim. 

Thank you for your attention to this urgent matter.

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