Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
Dear CFPB, I am filing this complaint because my credit reports contain multiple false addresses and inaccurate accounts that are causing me severe harm, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). Despite my attempts to correct these issues, the credit bureaus and furnishers continue to report false, unverifiable, and misleading information. 
Below are the specific items I am disputing and filing this complaint against : XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : This address is not mine and should never have been linked to me. 
Law : Under FCRA 1681e ( b ), CRAs must assure maximum possible accuracy. 
Story : Because of this false XXXX XXXX XXXX I have been questioned by creditors about whether I was hiding debts or living at different locations. I have never received mail here, nor have I authorized its use. This misinformation makes me look suspicious, as if I am not being truthful about my residence. It also creates anxiety because I feel someone could be using my identity with this XXXX XXXX XXXX open accounts behind my back. 
XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong Address Issue : I have no connection to this address. 
L

aw : FCRA 1681i requires a reinvestigation and deletion of inaccurate data when disputed. Story : Being tied to this wrong address has caused confusion with my credit applications. On more than one occasion, lenders have asked me why I had
multiple addresses and whether I was trying to avoid debts. This is humiliating, because it paints me as untrustworthy. In reality, this address belongs to someone else entirely. Yet my reputation is being destroyed simply because of poor credit reporting practices. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : Incorrect address connected to my profile. 
Law : FCRA 602 ( A ) recognizes inaccurate data as harmful to consumer confidence and financial reputation.

Story : This wrong address makes me look like I have lived in places I have never even visited. It confuses employers during background checks and makes landlords suspicious when I apply for housing. I feel like Im being treated as if Im hiding something, when in truth it is the credit bureaus negligence that is damaging me. 
XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$7400.00} Charged Off Issue : Unverified and inaccurate charge-off. 
Law : FCRA 1681i requires full verification ; FDCPA 807 prohibits false or misleading reporting.

Story : This account is listed as a charge-off for over {$7000.00}, yet no evidence has been provided to prove I owe this debt. This large, damaging entry makes creditors think I walked away from my obligations, which is not true. I have been denied credit opportunities and treated unfairly because of this account. It feels like Im being punished for something I dont even owe, and its robbing me of the chance to move forward financially. 
XXXX XXXX Account XXXX Opened XX/XX/XXXX Balance {$36.00} Charged Off Issue : Misleading charge-off for a minor balance. 
Law : FCRA 1681s-2 prohibits knowingly reporting false or misleading information.

Story : Reporting a {$36.00} balance as a charge-off is not only unfair, but it also creates a false picture of me as someone reckless with finances. This small balance is being blown out of proportion and costing me thousands in higher interest rates and denials. I am being portrayed as irresponsible for an account that isnt even properly verified. This type of inaccurate reporting destroys consumer trust and ruins lives over XXXX 
XXXX Account XXXX Opened XX/XX/XXXX Balance {$240.00} Collection Issue : Collection reported without validation. 
Law : FDCPA 809 requires collectors to provide validation upon request. FCRA 1681i mandates deletion of unverifiable data.

Story : This {$240.00} collection has been a constant barrier to me. No proof has been provided that I owe it, yet it is reported against me like a permanent stain. I have been embarrassed in front of lenders when they see this and question my honesty. It is frustrating and painful to feel trapped by an account that doesnt even belong to me, while at the same time being denied fair financial opportunities. 
XXXX Account XXXX Opened XX/XX/XXXX Balance {$570.00} Collection Issue : Inaccurate and unverifiable collection account. 
Law : FCRA 1681e ( b ) requires maximum accuracy. FDCPA 807 prohibits false reporting.

Story : This {$570.00} collection is damaging me daily. I am constantly being treated as if I am unreliable and careless, when in fact no proof has been given that I owe this account. This makes it harder to get approved for loans, housing, and even certain jobs. It is extremely unfair to be judged and held back in life by a false record that should have never been reported without proper evidence. 
Harm and Damages Because of these false addresses and unverifiable accounts : I have been denied credit and housing. 
Lenders and creditors question my honesty because of addresses I never lived at. 
My reputation is being destroyed by inaccurate charge-offs and collections. 
I live under constant stress and fear that I am being portrayed as irresponsible when I am not. 
Requested Resolution I am requesting the CFPB to investigate these violations and require the credit bureaus and furnishers to : 1. Permanently remove all false addresses from my report. 
2. Permanently delete the unverifiable charge-offs and collections listed above.

3. Enforce compliance with FCRA and FDCPA to prevent further harm.

I have suffered financial loss, reputational harm, and emotional distress because of these violations. I ask that this matter be addressed immediately to restore fairness and accuracy 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