Consumer complaint received 2025-07-25 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:
Dear CFPB Representative, I am submitting this formal complaint regarding multiple false, inaccurate, and unverifiable items being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. These inaccurate entries are harming my financial life and creating false impressions of my creditworthiness. 
I have attempted to resolve these issues with the credit bureaus and furnishers directly, but they have failed to investigate or provide proper validation. I now ask for CFPBs assistance in investigating and compelling deletion or correction of the following : XXXX XXXX XXXX XXXX, MI XXXX Issue : Wrong address linked to my credit file Law : FCRA 1681e ( b ) requires maximum possible accuracy of reported information Explanation : This address has been reported in connection with my credit profile despite the fact that I have never lived, worked, or authorized any financial activity at this location. Reporting this inaccurate address creates confusion, risks mistaken identity, and misleads creditors about my actual residence history. Such misinformation violates my rights under the FCRA because it impacts the accuracy of my credit report, potentially leading to wrongful credit denials or increased interest rates. I request immediate removal of this incorrect address to prevent further harm. 
XXXX XXXX XXXX XXXX, MI XXXX Issue : Incorrect address reported Law : FCRA 1681e ( b ), FCRA 1681s-2 ( b ) ( responsibility of data furnishers to report accurate information ) Explanation : This address is falsely attributed to me. I have never lived or been associated with this property in any way. The presence of this incorrect address suggests a failure in the data furnishers obligation to verify information before reporting. This negligence breaches the statutory duty to maintain accurate and complete records. The continued presence of this error could lead to identity confusion and impairs my ability to access credit on fair terms. I demand deletion of this wrong address immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$810.00} Collection Issue : Unverified collection account reported inaccurately Law : FCRA 1681i ( a ) right to dispute and request validation of debt ; FDCPA 15 U.S.C. 1692g validation of debt requirements Explanation : This collection account is reported without providing proper validation or documentation that it is legitimately mine or that the amount is accurate. I have not received any validation notices as required by the FDCPA. Reporting unverified debt is unlawful under federal law and unfairly damages my credit score and reputation. Until valid proof is provided, this account is invalid and must be removed. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$380.00} Collection Issue : Collection account lacking verification Law : FCRA 1681i ( a ), FDCPA 1692g Explanation : I dispute this collection account as I have no knowledge or responsibility for this alleged debt. Under the FCRA, I have the right to demand proper verification. Furnishers who report without verifying violate federal law and damage my credit unfairly. Such inaccurate reporting creates misleading impressions to creditors and harms my financial future. Immediate removal is required if verification can not be provided. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} Collection Issue : Duplicate or unverifiable collection reporting Law : FCRA 1681i ( a ), FDCPA 1692g Explanation : This appears to be a duplicate or related account to the previous entry, also lacking proper verification. Reporting duplicate or unverifiable accounts inflates my debt falsely and worsens my credit unfairly. The law requires validation before reporting ; failure to comply is a violation that must be remedied immediately by deleting this account. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$390.00} Collection Issue : Collection reported without validation Law : FCRA 1681i, FDCPA 1692g Explanation : This collection account is reported without sufficient proof that it is accurate or mine. I have not received any validation, which is required by law before negative reporting. Such reporting violates the FCRAs mandate for accuracy and fairness and causes unjust harm to my credit profile. Removal or correction is demanded. 
GXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$17000.00} Charge Off Issue : Disputed charge-off balance and reporting accuracy Law : FCRA 1681i, FDCPA 1692g Explanation : I dispute the balance and charge-off date on this account. I have not received timely notifications or verification as required by law. The reporting of inaccurate balances or charge-off dates is misleading to creditors and unfairly damages my credit. This violates my rights under both the FCRA and FDCPA. I demand validation or immediate removal of this entry. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$170.00} Collection Issue : Unvalidated collection account Law : FCRA 1681i, FDCPA 1692g Explanation : This collection account has been reported without any validation or proof. Under federal law, I have the right to dispute and receive proper verification. Reporting unverified debts is illegal and harms my credit unfairly. I request deletion unless validated immediately. 
XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry Law : FCRA 1681b requires permissible purpose for credit inquiries Explanation : This hard inquiry was made without my authorization or consent. Unauthorized inquiries violate my right to privacy under the FCRA and can negatively impact my credit score. I request evidence of my consent or authorization for this inquiry ; failing that, it must be removed immediately from my credit report. 
Conclusion : The above entries represent ongoing violations of federal law. These items are damaging my credit report, affecting my ability to obtain housing, employment, and financial opportunities. I respectfully request that the CFPB investigate these items and enforce the correction or deletion of all inaccurate and unverified information. I am prepared to provide any additional documentation needed. 
Thank you for your time and for protecting the rights of 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