Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
I am submitting this formal complaint to report serious and repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692 by multiple creditors, data furnishers, and credit bureaus. I have reviewed my credit report and found multiple inaccurate addresses, unauthorized hard inquiries, unverifiable collections, duplicated accounts, and charge-offs that are either false or unlawfully reported. These entries are severely damaging my financial reputation, and I am requesting your assistance in a full investigation and immediate correction. Each item is detailed below with its specific issue, applicable law, and the factual background. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : I have never lived at or been associated with this address. This is inaccurate and misleading information. 
Law : Under FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

Story : The presence of this address on my report may indicate a file mix-up or identity confusion. I have never lived in XXXX and have no known association to this property. This false address is harming my credit credibility and creating confusion with lenders. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Completely unrelated PO box is appearing on my credit report.

Law : FCRA 1681e ( b ) requires agencies to ensure the accuracy and relevance of consumer information. 
Story : I have never received mail at or used this PO Box . It does not belong to me and its inclusion is baseless. I am suffering from adverse action on credit applications because of this inaccurate listing. 
XXXXXXXX XXXX XXXX XXXXXXXX * * | Date Opened : XX/XX/XXXX | Balance : {$1000.00} Late Payment * * Issue : This account is reporting a late payment without proper validation. 
Law : FDCPA 1692g requires debt collectors to provide written verification of debts before reporting.

Story : I never received any notice or billing for this account before it reported me late. I asked for documentation and none was provided. This is damaging my report and reflects negligence or malicious data reporting. 
XXXX XXXX XXXX XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$540.00} Collection * * Issue : This is a collection account with no supporting documentation. 
Law : FDCPA XXXX and FCRA XXXX give me the right to request verification and dispute inaccurate entries. 
Story : XXXX has failed to validate this debt. They are known for buying debts and reporting without full documentation. This entry is false and is affecting my ability to secure basic necessities like housing and credit. 
XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$4100.00} Charge Off * * Issue : This charge-off was reported without my knowledge or validation. 
Law : FCRA 1681s2 ( a ) prohibits reporting inaccurate or incomplete information knowingly. 
Story : I tried to contact XXXX XXXX for clarification multiple times, but they failed to respond or offer a resolution. This debt was possibly paid or restructured, but it is still being reported as a charge-off. This unjust reporting is ruining my financial reputation. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX * | Date Opened : XX/XX/XXXX | Balance : {$4700.00} Charge Off * * Issue : Inaccurate charge-off reported without due process or hardship review. 
Law : FCRA 1681c ( a ) ( 4 ) allows disputes when the reporting is false or outdated.

Story : I was going through serious financial hardship during this period. I tried reaching out to XXXX XXXX XXXX XXXX or delay payment but was ignored. Instead of offering hardship support, they charged it off without warning. 
XXXX XXXX XXXX XXXX * | Date Opened : XX/XX/XXXX | Balance : {$0.00} Late Payment * * Issue : Showing late payment after account is closed and paid. 
Law : FCRA 1681c ( a ) ( 5 ) states closed accounts must reflect accurate and complete payment history.

Story : I completed all payments on this account. Seeing a late payment reported after closure is clearly incorrect. I reached out to dispute but was ignored. This entry is misleading and unfair. 
XXXXXXXX XXXX XXXXXXXX XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$760.00} Charge Off * * Issue : Charged off without communication or proof. 
Law : FCRA 1681i requires that disputed data be investigated and corrected if found to be inaccurate. 
Story : I never received billing statements or notices from XXXX before this was charged off. I believe this is fraudulent or mishandled debt placement. I have been denied credit because of this entry. 
XXXX XXXX XXXX * * | Date Opened : XX/XX/XXXX | Balance : {$680.00} Charge Off * * Issue : Improper charge-off entry without documentation. 
Law : FCRA 1681b ensures that no item is reported unless it is confirmed to be accurate and permitted by law. 
Story : I disputed this account due to lack of information and no explanation was provided. This entry remains and is hurting my credit unjustly. 
XXXX XXXX XXXX XXXX XXXXXXXX | Date Opened : XX/XX/XXXX | Balance : {$1100.00} Charge Off Issue : Unverified charge-off posted despite lack of billing or contact. 
Law : FDCPA 809 requires validation prior to collection or reporting. 
Story : I was never notified about this debt before it appeared as a charge-off. I have no knowledge of this balance and have requested validation multiple times with no result. 
XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$21000.00} Charge Off * * Issue : Extremely high balance reported without breakdown or validation. 
Law : FCRA 1681i ensures consumers right to dispute and reinvestigation.

Story : This balance is beyond anything I remember owing. I suspect identity confusion or file merging. XXXX XXXX has failed to give me a breakdown of the amount. 
XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$8100.00} Charge Off * * Issue : Potential duplicate or identity error. 
Law : FCRA 1681e ( b ) requires fair, accurate, and substantiated data reporting.

Story : I do not recognize this account. I believe someone elses account is being reported under my name. This is causing immense emotional stress and damaging my housing applications. 
XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$3600.00} Charge Off * * Issue : Third duplicate/false charge-off from same lender. 
Law : FCRA prohibits duplicate debt entries and requires correction of verified errors. 
Story : XXXX XXXX appears to be splitting the same debt into multiple tradelines. This is misleading, inflating my risk, and unfairly disqualifying me from financial opportunities. 
In conclusion, I am requesting a full investigation and correction of all the above accounts, addresses, and inquiries. These issues have caused me repeated credit denials, stress, and financial hardship. If not resolved, I will pursue legal remedies under FCRA and FDCPA.

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