Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX Date : [ Insert Todays Date ] To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Inaccurate Address Reporting by Experian Dear Consumer Financial Protection Bureau, I am filing this complaint against Experian Information Solutions , Inc. for reporting false and inaccurate information on my credit profile. Specifically, Experian has placed an address on my credit report that does not belong to me and where I have never resided. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. By including an address I have never lived at, Experian has : 1. Reported false personal identifying information about me.

2. Failed to implement and follow reasonable procedures to assure accuracy.

3. Caused me harm by associating me with an address that could be linked to fraudulent or negative credit activity. 
I respectfully request that the CFPB : Investigate this matter, Require Experian to immediately remove the false address from my credit profile, and Ensure Experian updates its records to prevent future recurrence. 
Subject : Complaint Against Experian Information Solutions , Inc. for False Address Reporting and Violation of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am submitting this complaint against Experian Information Solutions , Inc. for knowingly and willfully reporting false and inaccurate information on my consumer credit file, specifically by attaching an address to my credit profile where I have never resided.

This conduct constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including but not limited to : 1. 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of consumer information.

2. 15 U.S.C. 1681i ( a ) : Failure to properly investigate and correct disputed information.

3. 15 U.S.C. 1681n & 1681o : Liability for willful and negligent noncompliance with the FCRA. 

The placement of a false address in my credit file is reckless, defamatory, and creates potential harm to my reputation, financial opportunities, and personal security. This false reporting may also expose me to risk of identity theft or fraudulent association.

Demand for Relief Pursuant to the above statutes, I am seeking financial damages for the harm caused by Experians misconduct. My demand for compensation begins at {$25000.00} ( XXXX XXXXXXXX dollars ), representing : Damage to my credit reputation, Loss of credit opportunities, Emotional distress, and Violation of my federally protected consumer rights. 

Requested Action I request that the CFPB : Investigate Experians unlawful reporting practices, Order the immediate removal of the false address from my credit profile, Ensure corrective measures are implemented to prevent recurrence, and Recognize my claim for damages resulting from Experians noncompliance with the FCRA.

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