Consumer complaint received 2025-06-05 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: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint to report serious violations of my rights under the Fair Credit Reporting Act ( FCRA ), including the reporting of inaccurate addresses and erroneous payment history by certain furnishers and/or credit reporting agencies. These inaccuracies have significantly harmed my financial reputation and impeded my access to credit. 

Timeline of Discovery : XX/XX/XXXX While reviewing my credit reports from the XXXX XXXX credit bureaus ( Equifax, Experian, and XXXX ), I discovered multiple inaccuracies, including XXXX addresses that I have never lived at or been associated with, and a tradeline from XXXX XXXX XXXX reporting late payments that I dispute as incorrect. 

XX/XX/XXXX I initiated disputes directly with the credit bureaus, attaching my proof of residence and timeline showing no connection to the disputed addresses. 

XX/XX/XXXX Despite the disputes, the incorrect addresses and negative tradeline remain on my credit reports, indicating non-compliance by the furnishers or inadequate investigation by the credit bureaus. 

I have attached documentation, including proof of current and prior addresses, and correspondence related to these disputes. 

Disputed Items : Wrong Address # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX I have never resided at or used this address for any official or financial purpose. 

Violation : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy Relevant : May indicate unauthorized activity or identity confusion Wrong Address # XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX I have no affiliation with this location. It does not appear on any of my personal or financial records. 

Violation : 15 U.S.C. 1681b Lack of permissible purpose for reporting Relevant Law : FTC Identity Theft Guidance, Gramm-Leach-Bliley Act ( GLBA ) Wrong Address # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX This XXXX not now, nor has ever been, a residence or place of business associated with me. 

Violation : 15 U.S.C. 1681c Reporting of inaccurate or obsolete information Relevant : May signal mixed file or identity theft concerns XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This tradeline is inaccurately reporting a late payment which I strongly dispute. I have not missed any payments on this account. XXXX XXXX XXXX failed to verify or correct this information upon dispute. 

Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to report accurate information 15 U.S.C. 1681s-2 ( b ) Duty to investigate disputes 12 CFR 1022.43 Failure to respond to direct dispute with sufficient evidence Personal Impact : Due to these errors : My credit score has dropped significantly I was denied pre-approval for a mortgage refinance in XX/XX/XXXX Ive experienced stress and emotional hardship due to repeated dispute attempts Ive spent hours contacting credit bureaus, furnishers, and monitoring services, which has impacted my work schedule This has not only caused financial loss but has placed a burden on my mental health and personal security. 

Legal and Regulatory Expectations : Under the Fair Credit Reporting Act ( FCRA ), furnishers and consumer reporting agencies are legally obligated to ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). When a consumer disputes an item, the law requires a timely and meaningful reinvestigation ( 15 U.S.C. 1681i ). 

In addition, if identity theft is suspected, inaccurate addresses must be removed as per the FTCs guidelines on identity theft and the GLBAs privacy and security provisions. 

Requested Resolution : I respectfully request that the CFPB : Investigate the failure of the credit reporting agencies and furnishers to remove the disputed addresses and incorrect tradeline. 

Require the permanent removal of all three unauthorized addresses from all of my credit reports. 

XXXX XXXX XXXX XXXX to correct the payment history or provide complete documentation supporting their claim, including original billing statements and payment logs. 

Ensure compliance with FCRA reinvestigation requirements and confirm that these entities have proper procedures in place to avoid future recurrence. 

Hold the responsible entities accountable for failure to comply with FCRA statutes. 

I am submitting supporting documentation, including address history, ID verification, credit report screenshots, and dispute correspondence, to assist in your investigation. 

Thank you for your attention to this matter.

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