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: IN

Complaint narrative:
I am submitting this complaint regarding numerous inaccuracies and unauthorized entries on my credit report that have caused significant financial and personal harm. These entries include wrong addresses, falsely reported charge-offs, and unauthorized inquiries. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumers have the right to dispute inaccurate information and require credit reporting agencies and furnishers to correct or remove information that can not be verified. These repeated violations demonstrate negligence, disregard for consumer rights, and a direct threat to my creditworthiness. Immediate correction and investigation are demanded. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Issue : Wrong Address Law : FCRA 1681e ( b ) Requires CRAs to follow reasonable procedures to assure maximum possible accuracy of information. 
Story : This address has never been associated with me in any capacity. Its reporting on my credit file creates confusion for creditors and risks identity misattribution. Reporting an address I have never used is a clear violation of the FCRA, leading to potential financial harm and misdirected correspondence. The continual presence of this erroneous address on my report demonstrates negligence on the part of the credit reporting agency and any furnishers who provided this data. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Law : FCRA 1681i ( a ) Right to dispute and demand investigation of inaccuracies. 
Story : I have no connection to this address. Its inclusion on my credit report is misleading to lenders and represents a direct violation of my rights under the FCRA. Allowing false addresses on a report undermines the integrity of the credit reporting system and exposes consumers to fraudulent activity. 
XXXX XXXX XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681s-2 ( b ) Duty of furnishers to correct and update information they find to be inaccurate. 
Story : This account has been inaccurately reported as a charge-off. I have attempted to resolve this directly, but no correction has been made. Misreporting a charge-off harms my credit score, my ability to obtain credit, and creates undue financial stress. This constitutes a clear violation of the FCRA, as the furnisher failed to verify the accuracy of the information prior to reporting it. 
XXXX  XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681e ( b ), 1681i ( a ) Accuracy and dispute rights Story : I never authorized or agreed to any action that would result in a charge-off on this account. The reporting of this debt is false, misleading, and damaging. It demonstrates either a failure to investigate or an outright misrepresentation by the furnisher. This incorrect reporting continues to harm my credit score and impedes my access to financial services. 
XXXX XXXX XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681s-2 ( b ) Story : This account has been erroneously labeled as a charge-off, negatively impacting my creditworthiness. Despite my attempts to communicate and resolve the matter, no accurate correction has been made. Such misreporting constitutes a violation of federal law and demonstrates reckless disregard for consumer rights. 
XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681e ( b ), 1681i ( a ) Story : Reporting a XXXXbalance account as a charge-off is categorically false. This misrepresentation has caused confusion and damage to my credit report, affecting my ability to secure loans and financial products. The furnisher failed to exercise reasonable care to ensure accurate reporting. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry Law : FCRA 1681b Permissible purposes for credit inquiries Story : This inquiry was made without my authorization, constituting a potential violation of my rights. Unauthorized inquiries impact my credit score and must be investigated and removed promptly. 
XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry Law : FCRA 1681b Story : This inquiry was not authorized by me. Unauthorized inquiries create negative consequences for my credit score and financial reputation, and the furnisher must provide verification of my consent, which they can not. 
XXXX XXXX  XX/XX/XXXX Issue : Inquiry Law : FCRA 1681b Story : Unauthorized inquiries continue to appear on my credit report. The furnisher failed to obtain my permission, violating FCRA provisions. Immediate removal and correction are required. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry Law : FCRA 1681b Story : This is yet another unauthorized inquiry that negatively impacts my credit profile. Without proper authorization, reporting this inquiry is illegal and must be corrected. 
Closing Statement : The cumulative effect of these incorrect addresses, charge-offs, and unauthorized inquiries has caused substantial damage to my credit, financial stability, and personal well-being. I demand an immediate and thorough investigation, correction, and removal of all inaccuracies under FCRA XXXX681, 1681i, 1681s-2. Failure to act will leave me no option but to escalate this matter to regulatory authorities and pursue legal remedies. I request written confirmation of all corrective actions taken.

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