Consumer complaint received 2025-06-29 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: MI

Complaint narrative:
This address is inaccurately listed on my Experian credit report. I have never lived at this address, and it appears to be an error or the result of potential identity confusion or mixed file reporting.

Issue : Wrong address, not associated with me Applicable Law : FCRA 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy Explanation : Experian has a legal duty to report only accurate and verifiable information. This address entry is both misleading and damaging as it associates me with accounts and liabilities that are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Credit : {$1900.00} Status : Collection Issue : This account is being inaccurately reported as a collection account. I have never received proper validation of this debt from the debt collector. Additionally, the reporting began in XXXX, which is highly suspicious as it implies immediate default, which is not accurate. 
Applicable Laws : FCRA 1681b ( a ) ( 3 ) : No permissible purpose for reporting an unverified collection FDCPA 809 ( a ) ( 15 U.S. Code 1692g ) : Failure to provide proper debt validation Explanation : Experian is reporting this collection account without verifying its legitimacy. This violates my rights under both FCRA and FDCPA, as the account was never properly validated nor did I receive a Notice of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} Status : Collection Issue : XXXX XXXX is reporting this account as a collection, but I never received verification of the debt, nor do I have any records supporting this alleged obligation. 
Applicable Laws : FCRA 1681e ( b ) : Failure to ensure accuracy FDCPA 809 ( b ) : Failure to cease collection activity without validation Explanation : Reporting a debt without validating its accuracy or providing proof upon request violates my rights as a consumer. Furthermore, XXXX XXXX has a known history of reporting unverifiable debts, and Experian is complicit by failing to conduct reasonable investigations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX High Credit : {$3400.00} Status : Charge-Off Issue : This charge-off is being reported with no updated balance, no details of last payment date, and no verification that the account was ever valid or owed by me.

Applicable Laws : FCRA 1681i ( a ) : Failure to reinvestigate disputed information FCRA 1681s-2 ( b ) : Furnishers ' duties after receiving notice of dispute Explanation : This account has been disputed with no supporting documentation provided. The reporting lacks transparency and accuracy. The continued presence of this charge-off is both misleading and unjustified, particularly in the absence of adequate documentation and compliance with federal law. 
Summary and Request for Immediate Action Experian has failed to meet its obligations under FCRA by reporting inaccurate, unverifiable, and harmful information. These errors have impacted my ability to obtain credit, housing, and employment. I have been emotionally and financially harmed due to this negligence. I demand the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and require Experian to : Immediately delete or correct the above-listed accounts and the false address Provide full documentation and verification for any item they choose to keep reporting Ensure compliance with the FCRA and FDCPA going forward Compensate for damages incurred due to inaccurate reporting if applicable

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