Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
Dear CFPB, I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by the credit bureaus and furnishers. My credit reports are currently showing false addresses and negative accounts that are either inaccurate, unverifiable, or not mine. This is damaging my credit score and causing undue stress.

Personal Statement : As a responsible consumer, I have always tried to manage my credit carefully. Recently, I noticed several serious errors on my credit reports. These errors do not reflect my true financial history and appear to be the result of careless reporting or identity confusion. I have attempted to dispute these with the credit bureaus, but the inaccurate information remains. 

Inaccurate Addresses ( Never Lived At ) : The following addresses are listed on my credit report, but I have never lived at any of these locations : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, SC XXXX These entries are factually incorrect and may be causing mixed-file issues. The FCRA ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. Failure to correct these addresses is a clear violation of this law. 

Negative Accounts Without Proper Validation : XXXX XXXX  XXXX Account # : XXXX Opened : XX/XX/XXXX High Credit : {$550.00} Status : Charge Off No validation was provided upon dispute. 

XXXX  Account # : XXXX Opened : XX/XX/XXXX Status : Charge Off High Credit : {$0.00} This account appears suspicious with inaccurate reporting. 

XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Status : Late Payment No supporting documentation has been provided. 

XXXX Account # : XXXX Opened : XX/XX/XXXX Status : Late Payment I have no recollection of this account and have received no proof. 

XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Status : Late Payment No verification received after dispute. 

XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Status : Charge Off Still reporting without providing evidence of debt ownership or consent. 

These accounts may have been added in error or without proper investigation. Under 15 U.S.C. 1681i ( a ), credit bureaus are required to investigate and delete any information that can not be verified. Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct proper investigations and correct or remove any inaccurate data.

FCRA Violations Involved : 1681e ( b ) : Failure to ensure accurate information 1681i ( a ) : Failure to reinvestigate disputed data 1681g : Failure to disclose complete and accurate file information 1681s-2 ( b ) : Failure of furnishers to investigate and correct errors Resolution Requested : Immediate removal of all inaccurate addresses listed above. 
Full investigation into the listed negative accounts. 
Deletion of any unverifiable or inaccurate items. 
Written confirmation of actions taken in compliance with the FCRA. 

Thank you for your assistance in helping to protect consumer rights and restore accurate reporting to my credit file.

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