Consumer complaint received 2025-09-26 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: AZ

Complaint narrative:
I am filing this complaint against Experian because my credit file contains multiple false, unverifiable, and harmful entries that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My credit report is not being maintained with maximum possible accuracy, and Experian is continuing to report damaging information that does not belong to me.

The report contains wrong addresses that are not mine, including XXXX XXXX XXXX XXXX XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX These addresses are completely unrelated to me, yet Experian continues to associate them with my identity, which misrepresents who I am and violates the accuracy provisions of the FCRA. 

My file also contains multiple accounts that are being reported as charge offs even though I have no knowledge of them. For example, an XXXX XXXX account XXXX with an opening date of XX/XX/XXXX and a balance of {$350.00} is listed as a charge off. XXXX XXXX XXXX XXXX  account XXXX opened on XX/XX/XXXX with a balance of {$490.00} is also listed as a charge off. A XXXX XXXX account XXXX opened on XX/XX/XXXX with a balance of {$2500.00} is being reported as a charge off as well. A XXXX account XXXX with an opening date of XX/XX/XXXX and balance of {$0.00} is also listed as a charge off. In addition, a XXXX XXXX account XXXX opened on XX/XX/XXXX with a balance of {$0.00} is reported as a charge off. I have no knowledge of any of these accounts, making them unverifiable and false, and under the law they must not be reported against me. 

The report is also showing an account from XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$3800.00} that reflects late payments. This is inaccurate because I have never made late payments, yet Experian is reporting false negative history that is damaging my profile. 

In addition to that, my credit file is reflecting a collection account from XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$1300.00}. I have no knowledge of this account either, and it is completely inaccurate and harmful. 

Even more damaging, Experian is reporting a bankruptcy under XXXX XXXXXXXX XXXX XXXX XXXX Reference # : XXXX. I have never in my life filed for bankruptcy protection. Reporting such a serious and harmful item is reckless and unlawful, and it creates devastating consequences for me financially. 

All of these errors together show that Experian is not complying with its obligations under the FCRA to ensure accuracy and to delete or correct unverifiable information within 30 days of dispute. Wrong addresses, false charge offs, unverifiable collections, inaccurate late payment reporting, and a bankruptcy that never occurred are all serious violations of my consumer rights. 

I request that the Consumer Financial Protection Bureau investigate Experians reporting practices, hold them accountable for these violations, and ensure that all inaccurate and unverifiable information is permanently deleted from my credit report. These errors have caused me financial and personal harm, and I expect immediate corrective action under the law.

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