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: TX

Complaint narrative:
I am filing this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Experian is knowingly reporting inaccurate and unverifiable information on my credit file, including false addresses and multiple accounts that do not belong to me. Despite my rights under the FCRA, Experian has failed to maintain accuracy or conduct proper reinvestigations.

1. Inaccurate Addresses Experian has listed addresses on my credit file that are not mine, including : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Reporting addresses that do not belong to me violates 1681e ( b ), which requires Experian to maintain maximum possible accuracy. This creates the risk of mixed files and identity confusion.

2. Unverifiable and Inaccurate Accounts Experian is reporting numerous accounts that are not mine and have no verifiable documentation. These include but are not limited to : XXXX XXXX XXXX ( Reported High Balance : {$74XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Reported Opened : XX/XX/XXXX ) I have never signed any agreements with these creditors. No original signed contracts have been provided to validate them. Under 1681i, Experian must reinvestigate disputed information and delete any unverifiable accounts. Continuing to publish them violates my rights.

3. Legal Violations 1681e ( b ) : Experian failed to ensure maximum possible accuracy.

1681i : Experian failed to reinvestigate and delete unverifiable items.

1681n and 1681o : Experian is liable for willful and negligent noncompliance by reporting false and damaging information without proof.

Impact on Me These false addresses and unverifiable accounts are severely harming my creditworthiness and reputation. I am being unfairly penalized for debts that do not belong to me, making it difficult to access financial opportunities. The FCRA was written to protect consumers from exactly this type of harm, and Experian is disregarding those protections.

Requested Resolution I am requesting the CFPB to intervene and require Experian to : Delete all inaccurate and unverifiable accounts listed above.

Permanently remove false addresses from my credit file.

Ensure that only accurate, verifiable information remains on my credit report.

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