Consumer complaint received 2025-09-05 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:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies and unauthorized items on my credit report, including an incorrect address and several charge-off accounts I never authorized. These items violate the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), 1681s-2, 1681n, and 1681o, which guarantee accurate, complete, and verifiable reporting. The false reporting has caused financial harm, emotional distress, and denial of credit opportunities. I request immediate CFPB oversight to ensure reinvestigation, verification, and correction or removal of all inaccurate items. 

Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX This is a duplicate variation of another incorrect address that is also not mine. Such duplicate wrong entries indicate negligence and poor quality control on your part, in violation of FCRA 607 ( b ). The more variations of false addresses that exist, the greater the likelihood that I am connected to accounts or inquiries I never authorized. Since this residence does not belong to me and you can not verify it with accurate proof, it must be deleted without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I have no association with this apartment. Having it on my credit file is damaging because it suggests I established residency there when I did not. It also raises suspicion of identity confusion, which is prohibited under the FCRA. Unless you have legitimate records proving I resided at this property, the law requires deletion. Any failure to remove it will be treated as continued violation of 607 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This residence is not my address. I have never provided it on applications, never received mail there, and never been connected to it in any official record. The FCRA requires that only accurate identifiers remain, and wrong addresses are specifically considered harmful since they link consumers to debts or inquiries that do not belong to them. Without verifiable proof from original sources, this item must be deleted. 

Accounts : XXXX XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance : {$2200.00} This account is being reported as a charge-off, but I have not been provided with lawful verification of the debt, the balance, or the timeline. The term " charge-off '' carries legal implications, yet the FCRA and the FDCPA require clear proof before reporting such derogatory remarks. A charge-off can not remain without documented evidence of how the balance was calculated, the exact date of last payment, and proof that proper accounting standards were followed. Without these, the information is misleading and harmful. Debt reporting requires complete accuracy under 623 of the FCRA, and this account falls short. As it stands, this entry is unverifiable, incomplete, and must be deleted unless fully validated with original documentation. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} This entry is listed as a charge-off, but XXXX XXXX is not the original creditor ; it is a third-party debt buyer. By law, a debt buyer can not simply report balances without proof of ownership, original contracts, and full payment history. Without a chain of custody for this account, including assignment records from the original creditor, this reporting is unverifiable. The FCRA requires maximum possible accuracy, and FDCPA 809 requires validation before collection activity or reporting. If you can not provide documentation showing XXXX XXXX legally owns this debt and has accurate balance records, then this account is unlawful to report. Any unverifiable or incomplete debt reported by a debt buyer is a violation and must be deleted from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} This account is listed as a collection, but I have never been properly notified or given validation of this alleged debt. Under FDCPA 809, a consumer has the right to dispute and demand validation before a collection is reported. I never received proof of this account, no original contract, and no breakdown of charges that make up the alleged balance. Reporting it as a collection without validation is a violation of both the FDCPA and the FCRAs accuracy standards. Collections that can not be verified must be deleted immediately. Since this entry is incomplete, unverifiable, and harmful, I demand its removal from my report under FCRA 611. 

Inquiries : XXXX XXXX XX/XX/XXXX I did not grant authorization for this inquiry, and I never sought credit that would have allowed this company to access my file. Unverified inquiries are considered an invasion of privacy under FCRA guidelines. Reporting agencies must ensure maximum accuracy under 607 ( b ), and allowing unauthorized inquiries fails this duty. Each inquiry damages my score and creates a misleading impression of excessive credit seeking. Unless you can produce documentation proving I permitted this, it is unverifiable and must be removed immediately. 

XXXX XXXX XX/XX/XXXX This inquiry is inaccurate and not connected to any legitimate credit application I made. By law, inquiries must have a permissible purpose and be tied to a consumers consent. Allowing unauthorized hard pulls harms my report and reduces my creditworthiness, which violates the FCRAs principle of fairness and accuracy under 602 ( a ). I demand proof that I applied for credit that required this pull. If such documentation can not be provided, this inquiry is unverifiable and must be deleted.

I respectfully request the CFPB to ensure that all disputed items, including the incorrect address and all unauthorized accounts, are fully reinvestigated, verified, and corrected or removed in compliance with the FCRA. The ongoing reporting of these inaccuracies has caused substantial financial and emotional harm. I request written confirmation of all corrections and monitoring of responsible agencies and creditors.

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