Consumer complaint received 2025-06-03 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:
To Whom It May Concern, I am writing to file a formal complaint against multiple inaccurate, incomplete, and potentially unlawful entries reported by data furnishers and credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal laws. These errors are causing significant harm to my financial reputation and opportunities.

I request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into the following items listed on my credit reports, which I believe are being reported unlawfully or inaccurately : 1. XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} Status : Charge-Off Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or have reasonable cause to believe is inaccurate. No proper validation of debt has been provided. I have requested validation under 15 U.S. Code 1692g, and none was supplied. 
2. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Status : Charge-Off Violation : FCRA 611 & FDCPA 809 ( b ) I never received a full investigation report or validation of this account. It continues to be reported without proper substantiation.

3. XXXX XXXX Account XXXX XXXX XXXX XXXX ( Multiple Entries ) * * Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Charge-Off Date Opened : XX/XX/XXXX Balance Owed : {$4800.00} Charge-Off Violation : FCRA 605 ( a ) ( 5 ) Duplicate reporting of the same debt is misleading and unlawful. Also, the accounts appear to be inflated or reported multiple times under slightly different terms, which misrepresents my true financial obligations. 
4. XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} Status : Collection Violation : FDCPA 809 This debt was never validated per my prior request. Additionally, the account reflects a future open date ( XXXX ), which is a factual inaccuracy under FCRA 623. 
5. XXXX XXXX Reference XXXX XXXX XXXX XXXX XXXX GA XXXX  Reference XXXX XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX  Violation : FCRA 605 ( a ) ( 1 ) These bankruptcy records are either misreported or outdated. I dispute the accuracy, and documentation has not been provided by the furnishers or credit reporting agencies to confirm their validity. Additionally, there may be duplication.

6. Incorrect Address Reporting The following addresses are inaccurately listed on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Violation : FCRA 605 ( b ) & 609 ( c ) ( 2 ) ( E ) These addresses are not and have never been associated with my identity or residence. Their presence misrepresents my file and potentially associates me with unrelated liabilities or accounts.

Relief Sought : I respectfully request that the CFPB investigate and direct the credit reporting agencies and furnishers to : 1. Delete all inaccurate, unverifiable, and duplicate accounts listed above.

2. Cease reporting any accounts that have not been properly validated under applicable law.

3. Remove all unauthorized addresses from my credit report.

4. Provide confirmation of removal and a corrected copy of my credit report.

These inaccuracies are severely impacting my ability to obtain credit, housing, and employment. I assert my rights under the FCRA and FDCPA, and expect full compliance from all parties involved.

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