Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am writing to file a formal complaint against the credit reporting agencies for ongoing violations of the Fair Credit Reporting Act ( FCRA ), including the reporting of inaccurate personal information, duplicate or unverifiable collections, charge-off accounts, and unauthorized inquiries that continue to damage my credit profile and financial standing.

Inaccurate Personal Information ( Wrong Addresses ) The following addresses are being falsely reported on my credit file. I have never resided at nor been affiliated with these locations, and their presence constitutes a violation of FCRA 604 and 607 ( b ) which require consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Wrong Address XXXX XXXX XXXX XXXX Wrong Address These addresses must be permanently removed from my credit file immediately. Continuing to report inaccurate identifiers after being notified is a violation of FCRA 611 and can constitute willful noncompliance under 616.

Accounts Containing Inaccurate, Outdated, or Duplicate Information The following accounts are being inaccurately and/or duplicatively reported, some by debt collectors that can not verify the alleged debt : XXXX. XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$930.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This account appears duplicated in my file by both XXXX XXXX and XXXX XXXXXXXX XXXX XXXX, which is false and misleading under FCRA 607 ( b ). Reporting the same debt multiple times artificially lowers my credit score. 
XXXX. XXXXXXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$820.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This charge-off account is being reported without full and accurate validation. The account lacks supporting documentation and is not being reported with consistent and verifiable data, violating FCRA 611.

I have requested verification from the credit bureaus but have not received appropriate evidence of investigation, which is a direct violation of FCRA 611 ( a ) ( 1 ) ( A ).

Unauthorized or Unverifiable Hard Inquiries The following inquiries appear on my credit file without my knowledge, consent, or a permissible purpose under FCRA 604 ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are damaging my credit unlawfully. I did not authorize these inquiries, nor did I initiate any applications or transactions with the companies listed above. Failing to ensure that these inquiries are legally authorized constitutes a willful violation of FCRA 604 and entitles me to relief under 616 and 617.

Summary of Violations The following violations have occurred : FCRA 604 Lack of permissible purpose for credit inquiries FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 616 / 617 Willful and negligent noncompliance I have not yet submitted this case to the Federal Trade Commission ( FTC ) but reserve the right to do so if these violations are not addressed in a timely and just manner.

Relief Requested 1. Immediate deletion of all inaccurate addresses from all credit reporting agencies.

2. Permanent removal of the duplicate XXXX XXXX XXXX collection account.

3. Full deletion of the XXXX XXXX  charge-off unless verified with documentation. 
4. Removal of unauthorized hard inquiries listed above.

5. An investigation into the compliance practices of the credit bureaus in question.

I am requesting that the Consumer Financial Protection Bureau take enforcement action to hold the credit bureaus and furnishers accountable and ensure they follow the laws set forth under the FCRA.

Please confirm receipt of this complaint and advise on the next steps. Supporting documentation is available upon request.

Sincerely, XXXX XXXX XXXX

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