Consumer complaint received 2025-05-28 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: MI

Complaint narrative:
I am writing to file a formal complaint concerning the gross mishandling of my credit information by multiple consumer reporting agencies. Despite my efforts to dispute these issues directly with the bureaus, the inaccuracies remainunchanged, unexplained, and unjustified. I am turning to the CFPB for assistance because my rights under the Fair Credit Reporting Act ( FCRA ) are being ignored, and the harm caused to me has been deeply personal and financial. 

This all began when I was denied credit for a car loan, only to learn my report included addresses I have never lived atsome from cities Ive never even visited. The following addresses are patently incorrect and have no association with my life : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of these addresses have ever been associated with my personal, financial, or rental history. Their presence in my file suggests gross negligence in maintaining accurate records, a violation of FCRA 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

In addition to these egregious address errors, my report is flooded with tradelines that are either inaccurately reported or remain unverified after dispute : 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 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 XXXXXX/XX/XXXX I have submitted disputes to the bureaus per FCRA 1681i, and under 1681s-2 ( b ), they are required to reinvestigate disputed information. However, I received template responses that simply restate the original data was " verified '' without providing documentation or evidence. In one case, the reported date for XXXX XXXX XXXX & XXXX is in the XXXX clear impossibility and a blatant indicator of careless reporting. 

This inaccurate information has resulted in credit denials, increased interest rates, emotional distress, and reputational harm. I feel as though my financial identity is under siege from data handlers who treat my profile like a junk drawer of unverifiable records. 

I am requesting the CFPBs intervention to : Require immediate removal of all erroneous addresses. 

Require substantiation or deletion of all disputed tradelines. 

Audit the reinvestigation procedures used by the credit bureaus in my case.

Enforce civil penalties if willful noncompliance is found under FCRA 1681n.

The law guarantees me a fair and accurate credit report. I ask that the CFPB hold these agencies accountable for ignoring their statutory duties and failing to protect consumers like me.

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