Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies and the following data furnishers for serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ). My consumer report is showing multiple inaccurate items and unverifiable information that have caused significant harm to my credit reputation and financial standing. 

1. Inaccurate and Unfamiliar Addresses The following addresses are being reported on my credit file, and I have no knowledge, association, or connection to these locations : XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX These addresses are completely incorrect and unauthorized, which indicates a possible data mix-up or identity issue. I have never resided or received mail at these addresses, and their continued appearance on my credit report violates the FCRAs accuracy and verification standards under 15 U.S.C. 1681e ( b ). 

2. Unverified and Inaccurate Account Information Additionally, my report includes accounts that I have no knowledge of or that are being reported in error. The following items are being wrongfully reported : XXXX XXXX  Account # XXXXXXXX XXXX  High Balance : {$550.00} | Date Opened : XX/XX/XXXX | Status : Charge Off I have no knowledge of this account and have never opened or authorized it. 

XXXX  Account # XXXXXXXX XXXX High Balance : {$830.00} | Date Opened : XX/XX/XXXX | Status : Collection I have no knowledge of this collection account, and it appears to be falsely reported without any validation of debt or contractual relationship. 

XXXX XXXX  Account # XXXXXXXX XXXX High Balance : {$630.00} | Date Opened : XX/XX/XXXX | Status : Collection I have no knowledge or record of this account, and no original creditor information has been provided. 

These accounts are unverified and inaccurate. Under 15 U.S.C. 1681i, furnishers and reporting agencies are required to verify the accuracy of all information before publishing it on a consumers report. The continued reporting of these items without proper validation constitutes negligent and willful noncompliance with federal law. 

3. Requested Action I am requesting that the CFPB conduct a full investigation into these reporting errors and require the following corrective actions : Immediate removal of all inaccurate addresses not associated with me.

Immediate deletion of all unverified charge-off and collection accounts listed above. 

A written confirmation from each credit bureau and data furnisher verifying that the false items have been deleted from my file. 

These reporting errors have caused substantial damage to my creditworthiness and peace of mind. I have made previous efforts to resolve these disputes directly with the bureaus, but the issues persist, leaving me no choice but to escalate this complaint to your office for intervention. 

I am requesting that the CFPB ensure that all parties involved comply with their obligations under the Fair Credit Reporting Act, including proper reinvestigation and verification procedures. 

Thank you for your attention and assistance in resolving this matter. Please contact me at your earliest convenience if additional documentation or clarification is needed.

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