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: LA

Complaint narrative:
To Whom It May Concern, I am filing this complaint to formally request a full investigation into multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws due to inaccurate and unlawful reporting on my credit file. I have attempted to resolve these disputes directly with the furnishers and the credit reporting agencies, but the accounts remain inaccurately reported. 
This matter is causing substantial damage to my creditworthiness and emotional well-being. I am now requesting the CFPBs intervention to compel the relevant furnishers and CRAs to comply with the law. 
INCORRECT ADDRESSES REPORTED ON MY CREDIT FILE : The following addresses do not belong to me, and I never authorized or used them : 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 Violation : FCRA 605 ( b ), 607 ( b ) Accuracy and proper matching of consumer identity Reporting false personal information is a direct violation of the FCRAs requirement to maintain accurate and complete files. 
DISPUTED ACCOUNTS ( XXXX XXXX and/or XXXX ) : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX High Balance : {$830.00} Issue : Reported as a Charge-Off. I do not believe this is accurate, and no validation has been provided. 
Violation : FCRA 623 Duty to report accurate information FDCPA 809 ( b ) Failure to validate alleged debt XXXXXXXX XXXX XXXX XXXX XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1100.00} Issue : Charge-Off reported without proper validation. 
Violation : FCRA 611 Failure to properly investigate dispute FDCPA 807 Reporting unverified and potentially false debt XXXX. XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$520.00} Issue : Incorrectly reported as Charged-Off. No verification has been provided.

Violation : FCRA 623 ( a ) ( 5 ) Failure to report accurately FDCPA 809 Lack of proper debt verification XXXX. XXXX XXXX ( Multiple Accounts ) Account XXXX XXXX XXXX XXXX XXXX o Opened : XX/XX/XXXX Late Payments o Opened : XX/XX/XXXX Late Payments o Opened : XX/XX/XXXX Late Payments Issue : Repeated late payments reported, some of which are outside the XXXX reporting period or may be duplicate entries.

Violation : FCRA 605 ( a ) Items must not be reported more than XXXX  years F
CRA 611 Failure to properly investigate dispute XXXX. XXXX XXXX XXXX XXXX Account # : ( Redacted for privacy ) Date Opened : XX/XX/XXXX High Balance : {$8800.00} Issue : Late payment inaccurately reported. Account may be reflecting error or misreporting.

Violation : FCRA 623 Inaccurate furnishing of information FCRA 609 Failure to provide documentation upon request LEGAL REQUEST : I request that the CFPB take the following actions : 1. Investigate these furnishers and compel them to either verify or delete the disputed accounts per FCRA 611 ( a ) ( 5 ). 2. Instruct the CRAs to remove the false addresses from my file in compliance with FCRA 607 ( b ). 3. Ensure compliance with FDCPA 809 ( a ) - ( b ) for debt validation where
applicable.

4. Hold the furnishers accountable for repeated and knowing violations under FCRA 623 ( a ) ( 1 ) ( A ). 
I am exercising my consumer rights under federal law and expect this matter to be resolved promptly. Please find this a formal complaint and request for enforcement action.

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