Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to file an urgent and formal complaint regarding multiple inaccurate, fraudulent, and unlawfully reported accounts that are negatively affecting my credit report. Despite numerous attempts to resolve these matters with the original creditors and credit reporting agencies, I have received no resolution or appropriate investigation. I now seek CFPB intervention for a proper review and enforcement of my rights under federal law. 
Disputed Addresses Reported Without Authorization The following addresses have been inaccurately and repeatedly reported on my credit file without my consent or proper verification : 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 XXXXXXXX These addresses are either duplicates or unknown, and I have formally disputed them. Continued reporting violates my rights under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable information only.

Inaccurately Reported and Unlawful Accounts 1. XXXX XXXX Account No : XXXX High Balance : {$2300.00} Opened : XX/XX/XXXX Status : Charge-Off Issue : This account is reporting inaccurate balance and payment history. There is no proper validation of the alleged debt. 
Violation : FCRA 15 U.S.C. 1681s-2 ( b ), FDCPA 15 U.S.C. 1692g ( b ) XXXX. XXXX XXXX Account No : XXXX High Balance : {$1400.00} Opened : XX/XX/XXXX Status : Charge-Off Issue : No notice of debt was provided, and XXXX  has failed to validate the debt despite request. 
Violation : FDCPA 15 U.S.C. 1692g, FCRA 1681b ( a ) ( 3 ) 3. XXXX XXXX XXXX Account No : XXXX Opened : XX/XX/XXXX Status : Charge-Off Issue : This account is a duplicate of the XXXX XXXX  account mentioned above. Double reporting is misleading and unlawful. 
Violation : FCRA 1681e ( b ), FDCPA 807 ( 8 ), 1692e ( 2 ) ( A ) 4. XXXX  XXXX XXXX Account No : XXXX Opened : XX/XX/XXXX Status : Charge-Off Issue : This debt was not validated. They also failed to respond within the time frame mandated by law. 
Violation : FDCPA 809 ( b ), FCRA 1681i ( a ) 5. XXXX XXXX XXXX ( XXXX ) Account No : XXXX High Balance : {$290.00} Opened : XX/XX/XXXX Status : Charge-Off Issue : This account was never authorized or contractually agreed to by me. No proof of lease or debt exists. 
Violation : FCRA 1681s-2 ( a ), FDCPA 808 ( 1 ) 6. XXXX XXXX XXXX XXXX XXXX ) Account No : XXXX Opened : XX/XX/XXXX Status : Charge-Off Issue : This is a suspicious and unauthorized entry. I was never informed or notified about this debt. 
Violation : FDCPA 807, FCRA 1681c-2 ( a ) Summary of Violations and Legal Concerns Failure to investigate disputes under FCRA 1681i Reporting inaccurate, outdated, and unverifiable information under FCRA 1681e ( b ) Failure to validate debt under FDCPA 809 Re-aging of accounts and duplicate reporting to inflate debt Reporting accounts without permissible purpose under FCRA 1681b Requested Action I respectfully request the following actions from CFPB and any relevant agencies : 1. Launch an immediate investigation into these accounts.

2. Direct the data furnishers and CRAs ( Experian, Equifax, TransUnion ) to provide documentation supporting the validity and ownership of each account. 
3. Permanently delete all unverifiable, inaccurate, duplicate, or unauthorized entries from my credit report.

4. Sanction any company found in willful violation of the FCRA or FDCPA. 
I appreciate your time and support in protecting consumers like me from predatory and unlawful credit practices. Please confirm receipt of this complaint and inform me of any required next steps or additional documentation.

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