Consumer complaint received 2025-08-19 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: IL

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint regarding multiple inaccurate, unverifiable, and fraudulent items reported on my credit file by Experian XXXX XXXX XXXX XXXX. These errors have caused significant financial and personal harm, and they violate the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and Metro 2 Reporting Standards. I am requesting that CFPB intervene to ensure these items are corrected, removed, and that my rights as a consumer are fully restored. 
Several addresses reported on my credit file are incorrect and have created a risk of identity confusion and potential mixed file issues. The first, XXXX XXXX XXXX, IL XXXX, and the second, XXXX XXXX XXXX, XXXX XXXX, IL XXXX, have never been my residences. Associating these addresses with my credit file misrepresents my identity and exposes me to potential liability for debts and accounts that are not mine. Under FCRA 609 ( a ) and FCRA 611, credit bureaus are required to ensure accurate reporting and to delete unverifiable personal information. These inaccuracies have already caused me stress, embarrassment, and confusion with creditors, and they may impact future housing and employment opportunities. 
Wrong Addresses XXXX XXXX XXXX, IL XXXX Issue : Wrong address falsely linked to me. 
Law : FCRA 607 ( b ) CRA must follow reasonable procedures to assure maximum possible accuracy. 
Story : I have never lived at this address. By reporting this false information, you are essentially tying me to another individuals history, which creates false associations and exposes me to fraud risk. Wrong addresses often result in accounts being wrongfully tied to consumers, and that is exactly what has happened to me. This error misrepresents my true identity and directly violates my right to a clean and accurate credit profile. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX Issue : Wrong and unverifiable address. 
Law : FCRA 611 ( a ) ( 5 ) unverifiable information must be deleted.

Story : I have no personal, residential, or financial connection with this address. Its inclusion on my report creates unnecessary confusion and increases the chance of identity mix-ups. This address falsely links me to accounts I do not own and makes me appear financially irresponsible when in reality, this is an error of your reporting system. Continuing to publish this false information places me at risk of further denials, embarrassment, and legal harm. 
Accounts in Dispute XXXX ( Acct : XXXX ) Charge Off High Balance : {$1000.00} Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Charge off inaccurately reported without proof. 
Law : FCRA 611 unverifiable debts must be deleted ; FDCPA 807 prohibits misrepresentation. 
Story : XXXX has never provided a signed contract, billing history, or any legitimate validation tying this account to me. Without proper verification, reporting a charge-off is a direct violation of law. This false account has led lenders to view me as high-risk, denying me credit and charging me higher interest rates. It is unjust for me to suffer reputational harm and financial injury over an account that can not even be proven to belong to me. 
XXXX XXXX XXXX XXXX XXXXXXXX ) Collection High Balance : {$1000.00} Opened : XX/XX/XXXXXXXX XXXX Issue : Collection unverifiable. 
Law : FDCPA 807 prohibits false credit reporting ; FCRA 611 requires deletion if unverifiable. 
Story : No original agreement, statement, or assignment paperwork exists to prove that I am responsible for this debt. The presence of this account damages my creditworthiness, increases my cost of borrowing, and undermines my reputation. Keeping unverifiable accounts on file is not only unlawful but also abusive. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection High Balance : {$1900.00} Opened : XX/XX/XXXX * Issue : Collection not validated. 
Law : FDCPA 809 ( b ), FCRA 611.

Story : This debt has been reported without a single shred of verified evidence. XXXX XXXX has failed to comply with basic validation requests, yet the account remains. The reporting of unverifiable accounts is deceptive and causes me ongoing harm. Every lender who sees this believes I am avoiding payment obligations, which is false. 
XXXX ( Acct : XXXX ) Collection High Balance : {$980.00} Opened : XX/XX/XXXX * Issue : Duplicate account. 
Law : FCRA 607 ( b ) duplicate reporting is inaccurate and unlawful. 
Story : This is the same XXXX XXXX account listed earlier, yet it is being reported again. Duplicate accounts inflate my debt load and create the false image of multiple defaults. This is a direct violation of accuracy requirements and unfairly magnifies the negative impact on my score. 
XXXX ( Acct : XXXX ) Collection High Balance : {$850.00} Opened : XX/XX/XXXX * Issue : Unverified collection. 
Law : FDCPA 807 and FCRA 611.

Story : No contract, billing statement, or legal chain of assignment has been produced to verify this debt. This means it is unverifiable. Still, Experian is reporting it, making me look financially irresponsible when there is no legal proof. 
XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX  ) Collection High Balance : {$800.00} Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : Fraudulent reporting of debt. 
Law : FDCPA 807 ( 8 ) prohibits reporting false credit information. 
Story : I have no contract, no history, and no relationship with this creditor. This debt is fraudulent and should never have been placed on my report. Allowing it to remain signals that Experian is knowingly publishing false data about me, which has serious consequences on my financial future. 
Hard Inquiries ( Unauthorized & Excessive ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Excessive and unauthorized credit pulls.


Law : FCRA 604 ( a ) ( 3 ) limits credit report access to permissible purposes only. Story : I did not authorize many of these inquirie
s, and they are excessive, clustered within days. These hard pulls create the false impression that I am desperately seeking credit, which is damaging to my reputation. Lenders see these inquiries and assume financial instability, leading to denials and harsher terms. Experian has a legal duty to ensure inquiries are legitimate and permissible, yet these were accepted and published without my consent.

I request CFPBs assistance in ensuring that Experian / XXXX XXXX XXXX  : 1. Delete all inaccurate addresses linked to my file. 
2. Remove all unverifiable accounts, charge-offs, collections, and duplicates.

3. Remove all unauthorized and duplicative hard inquiries.

4. Provide me with an updated, accurate credit report reflecting these corrections.

If these items can not be verified, they must be permanently deleted from my credit report. Continued reporting of unverifiable or unauthorized items constitutes a violation of federal law, including FCRA 616617, which allows for civil and statutory penalties. 
I appreciate your urgent attention to this matter and look forward to confirmation that corrective action has been taken to restore the accuracy and integrity of my credit file.

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