Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It XXXX Concern, I am submitting this complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA, XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( FDCPA, XXXX XXXX. XXXX ) by the credit reporting agencies and furnishers. My consumer rights are being violated because my credit reports continue to reflect false addresses and inaccurate account information that can not be verified. These errors are causing severe damage to my creditworthiness, financial opportunities, and personal reputation. 
Wrong Address Issues XXXX XXXX XXXX, XXXX, CA, XXXX Wrong Address I have no legal, financial, or residential ties to this property. Its presence suggests possible file-mixing or identity theft. FCRA XXXX ( a ) ( XXXX ) gives me the right to know the sources of information being reported, yet the bureaus have failed to provide verifiable proof of how this address was linked to me. By leaving this false information, the bureaus are in direct violation of XXXX ( b ). This error has caused embarrassment when I applied for housing, as background checks flagged this as a prior residence. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX Wrong Address This address is false and misleading. Reporting it violates both FCRA and FDCPA. Under FDCPA XXXX ( XXXX ), debt XXXX and furnishers are prohibited from falsely representing the character or location of a consumer. By listing this address, it implies connections I do not have and can be used to wrongfully justify collection activity. This misinformation harms my creditworthiness and exposes me to potential fraud risk. 
Inaccurate Account Issues XXXX  Account XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$12000.00} Charge Off This account is being reported as a charge off with inconsistent balances and unverifiable late payments. Under FCRA XXXX ( a ) ( XXXX ), I requested validation of this debt, yet no proper documentation, billing statements, or signed agreements were provided. Under FCRA XXXX, the furnisher must conduct a reasonable reinvestigation, which they failed to do. Additionally, FDCPA XXXX ( b ) requires debt validation before continued reporting, but XXXX has continued to report without proof. This false charge off has lowered my XXXX XXXX by over XXXX points, caused denials for business funding, and subjected me to predatory interest rates. The emotional distress and financial damage from this unlawful reporting are substantial. 
XXXX XXXX  Account XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$5300.00} Charge Off This account was reported as a charge off without any prior notice or validation. Under FCRA XXXX, a consumer report must only be furnished for permissible purposes, yet this item was shared with lenders and harmed my applications without proper validation. The reported balance is inconsistent and unverifiable, violating FCRA XXXX ( b ). Furthermore, FDCPA XXXX prohibits misrepresentation of the legal status of a debt. By reporting this account as a charge off when no proper validation exists, XXXX is engaging in deceptive reporting. Because of this false entry, I was denied an auto loan and suffered reputational harm. 
XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$25000.00} Charge Off This is XXXX of the most damaging items on my credit report. XXXX XXXX has reported this as a charge off without providing any signed contracts, account statements, or validation documents required under FCRA XXXX. Despite disputes, they continue to report inaccurate information in violation of FCRA XXXX and XXXX ( b ). The balance is inflated and the account history is inconsistent with my records. This misinformation has severely harmed my ability to obtain mortgages and major lines of credit. Under FCRA XXXX and XXXX, I have the right to seek damages for willful and negligent noncompliance. Additionally, FDCPA XXXX ( XXXX ) prohibits falsely communicating that a debt is charged off or placed for collection when it is not properly verified. 
Requested XXXX I am requesting that the CFPB take immediate enforcement action to ensure : XXXX. Removal of all wrong addresses listed above. 
XXXX. Deletion of the inaccurate accounts ( XXXX, XXXX, XXXX XXXX ). 
XXXX. Written confirmation that these corrections have been made. 
These inaccuracies are unlawful, damaging, and must be corrected without further delay. If not resolved, I am prepared to pursue all remedies available under FCRA XXXX and XXXX for damages caused by these violations.

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