Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint regarding multiple serious inaccuracies being reported on my credit report by furnishers and credit reporting agencies. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal protections. The continued reporting of these false addresses and unverifiable charge-off accounts has severely damaged my creditworthiness, mental health, and financial opportunities.

Below, I have listed each disputed item along with the specific issues, applicable laws violated, and how each item has affected me. 
XXXX XXXX XXXX XXXX, NC XXXX Wrong Address Issue : I have no known ties to this property. Ive never lived in North Carolina, nor do I know anyone at this address. 
Law Violated : FCRA Section 611 obligates CRAs to conduct reinvestigation of disputed items and delete unverifiable entries. Reporting this address after prior disputes is noncompliant.

Story : This address raises red flags for lenders and employers, suggesting potential fraud or dual residency. It is emotionally distressing and makes me feel like Ive been identity misused. I feel unsafe knowing false data about me continues to circulate and influence life-changing decisions. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX Wrong Address Issue : This is a duplicate variation of the earlier incorrect address. The existence of multiple versions of the same wrong address shows poor verification standards. 
Law Violated : FCRA Section 602 ( A ) ( 1 ) states that consumer reporting must be fair and equitable. Duplicate errors reflecting inaccurate history is a breach of this duty.

Story : This variation of a false address caused an auto loan denial because the lender flagged my file for suspicious activity. I've had to explain over and over that these addresses are not mine, but the emotional burden and embarrassment remain. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$3000.00} Issue : This account was charged off without proper hardship review or notice. I was going through a documented medical emergency in my family and had reached out for help. 
Law Violated : Equal Credit Opportunity Act ( ECOA ) 15 USC 1691 mandates fair treatment, and FCRA Section 623 ( b ) prohibits furnishing inaccurate data after notice of dispute. 
Story : I begged XXXX for a payment plan or delay due to my fathers XXXX. They ignored my hardship letters. Later, they sold the debt without confirming details with me. This unfair treatment and reporting is making me feel punished for being human and facing real crisis. This charge-off is blocking my access to credit and housing, compounding my grief. 
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Date Opened : XX/XX/XXXX High Balance : {$1300.00} Issue : This appears to be a duplicate account, likely caused by erroneous reporting or account splitting. It is either the same debt listed twice or a clerical error. 
Law Violated : FCRA Section 607 ( b ) requires furnishers to ensure maximum possible accuracy. Duplicating an account inflates the negative impact and is misleading. 
Story : I never opened XXXX separate XXXX accounts in that short time period. Having this listed twice makes it seem like I defaulted on more credit than I actually did. This has resulted in multiple loan denials and emotional trauma due to the inaccurate portrait of irresponsibility that is not reflective of my true situation. I feel like Im being judged for something I didnt even do.

These entries are causing me repeated credit denials, housing rejections, job losses, and emotional trauma. I am constantly fighting to prove my identity and my truth. I am respectfully asking the CFPB to investigate these issues thoroughly, enforce corrections where needed, and compel furnishers and CRAs to comply with federal consumer protection laws. 
Please consider this complaint with urgency. I have included this complaint in conjunction with a pending FTC complaint and expect coordinated action to resolve these long-standing and unlawful errors.

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