Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
Dear CFPB Officer, I am filing this formal complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) as it pertains to my credit report. Specifically, my credit file contains several addresses that do not belong to me, and XXXX collection accounts that I do not recognize and believe to be inaccurately or fraudulently reported. These errors have caused damage to my creditworthiness and have created unnecessary financial stress. 
Incorrect Address Reporting The following addresses are listed on my credit report. I have never lived at, used, or been associated with any of these addresses in any capacity : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violations of Law : 15 U.S. Code 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

Section 602 of the FCRA : Recognizes that inaccurate credit reporting can damage consumers. Section 609 ( a ) ( 1 ) : Gives consumers the right to know what information is in their file and where it came from.

Section 611 : Provides the right to dispute in
accurate information and have it corrected or removed.

Unverified Collection Accounts XXXX. XXXX XXXX XXXX Account No. : XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$2400.00} Issue : I have never opened any account with this company. I dispute this debt as inaccurate and unverified. No documentation has been provided to prove its validity.

Applicable Law Violations : FCRA Section 609 ( a ) : Right to request full verification of reported accounts.

Section 611 : Requires that disputed data must be investigated within 30 days and removed if not verified.

15 U.S. Code 1681s-2 : Furnishers must not report inaccurate or unverifiable data. XXXX XXXX XXXX XXXX Account No. : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$4200.00} Issue : I do not recognize this debt. I have never applied for or received any credit with this company. This entry appears to be fraudulent or a case of mistaken identity.

Applicable Law Violations : FCRA 609 ( c ) ( 1 ) ( B ) : Right to dispute and request deletion of incorrect accounts.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must ensure data is accurate before reporting.

FCRA 1681i ( a ) : If data can not be verified, it must be deleted from the report. Requested Resolution I respectfully request the CFPB to take immediate action on this matter. Specifically, I request : 1. Immediate rem
oval of all the incorrect addresses listed above from my credit profile.

2. A full investigation and deletion of the XXXX collection accounts mentioned, unless full and complete verification is provided by the data furnishers.

3. Written confirmation from the credit reporting agencies ( Equifax, Experian, and TransUnion ) reflecting these corrections.

4. Enforcement actions or penalties as deemed appropriate if furnishers or CRAs are found in violation of the FCRA.

Attachments : Screenshot of reported addresses and accounts.

Supporting documents, if needed.

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