Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccuracies on my credit report, which are seriously affecting my financial wellbeing. I have identified inaccurate personal information and multiple account reporting errors that I have attempted to resolve directly with the credit reporting agencies and furnishers, but have seen no resolution. These errors are not only unjustified but are also in direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 
Wrong Addresses Reported on My Credit Report The following addresses are completely inaccurate and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address Violation of FCRA 609 ( a ) ( 1 ) I have the right to accurate personal identifying information.

Violation of FCRA 611 ( a ) The bureaus must investigate and delete inaccurate information upon dispute.

Despite my disputes, these addresses have remained. I demand their immediate removal. 
Accounts Reported Inaccurately The following accounts contain false or misleading derogatory information that must be investigated and corrected or removed : XXXX. XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Issue : Charge-Off This account is inaccurately listed as a charge-off. I was not properly notified, and the account was never verified per my rights. 
Violation of FCRA 623 ( a ) ( 1 ) ( A ) Information furnished must be accurate and complete.

Violation of FCRA 611 ( a ) ( 1 ) Failure to conduct proper reinvestigation upon dispute. 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Balance : {$21000.00} Issue : Charge-Off This account reflects a charge-off without full validation. I have never received proper notice or itemized breakdown of the alleged amount. 
Violation of FCRA 609 ( a ) ( 1 ) ( A ) Right to full disclosure of information in my file.

Violation of FDCPA 809 ( b ) Right to debt validation before further reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$520.00} Issue : Late Payment This account reflects an unjustified late payment. I had a COVID-related financial hardship and submitted proper documentation requesting assistance. The creditor agreed verbally, yet the account still shows a derogatory mark. 
Violation of FCRA 623 ( a ) ( 1 ) Inaccurate reporting of payment history. 
Violation of CARES Act Section 4021 Furnishers were to report accounts in forbearance or payment assistance as current during COVID-19. 
XXXX. XXXX XXXX  Account Number : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$100.00} Issue : Collection Account This is an unknown collection account. I was never informed or sent any validation of this debt. I suspect this may be a case of mistaken identity or outdated debt.

Violation of FDCPA 809 ( a ) No validation notice was sent within 5 days of initial contact.

Violation of FCRA 611 ( a ) Failure to investigate disputed information.

Violation of FCRA 605 ( a ) Debts beyond the reporting period may not be reported. 
Request for Relief I respectfully request the CFPB to investigate this matter and enforce the following actions : 1. Immediate removal of the inaccurate addresses listed above from all credit reports.

2. Complete deletion or correction of the disputed accounts due to lack of proper validation and reporting violations.

3. Enforcement of penalties if the furnishers or bureaus are found in violation of federal law.

4. Confirmation that corrected reports have been sent to all credit bureaus. 
Supporting Documentation ( Attached if applicable ) : Copy of ID and utility bill for identity verification Previous dispute letters Credit report excerpts highlighting errors I appreciate your prompt attention to this serious matter. These reporting errors are damaging my creditworthiness and causing emotional and financial distress. Please ensure this matter is thoroughly investigated and resolved in compliance with 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