Consumer complaint received 2025-08-23 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against inaccurate and unverifiable information being reported on my consumer credit file. The credit reporting agencies and furnishers are required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure maximum accuracy of consumer information, yet multiple addresses and accounts appearing on my report are wrong, outdated, or unlawfully reported. These errors are damaging my creditworthiness, preventing me from accessing fair lending, and causing ongoing harm. I have never lived at the listed wrong addresses and the accounts in question either do not belong to me, are being reported inaccurately, or are in violation of federal law. I am requesting the CFPB to investigate and hold the bureaus and furnishers accountable for violating my consumer rights under FCRA, FDCPA, and related laws. 

Address : XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Law/Issue : FCRA Section 611 Reporting inaccurate address information Story : This address is not and has never been my residence. Its inclusion on my credit report is misleading and could cause confusion for lenders, creditors, and any entity reviewing my credit history. Accurate address information is critical for fair and accurate credit reporting. The continued reporting of this incorrect address may negatively impact my ability to obtain credit or other financial services. 
Instruction : Investigate this address, provide verification, and delete it from my credit report if it can not be verified. 

Address : XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Law/Issue : FCRA Section 611 Reporting inaccurate address information Story : This address has never been associated with me in any capacity. The presence of this incorrect address on my credit file may mislead creditors and can be considered a violation of my rights under the FCRA. Accurate personal identifying information is necessary to ensure proper reporting of accounts and inquiries.

Instruction : Reinvestigate this item. Remove it from my report if the creditor can not provide valid proof of my association with this address. 

Account : XXXX XXXXXXXX High Balance : {$7300.00} Date Opened : XX/XX/XXXX Law/Issue : FCRA Sections 602, 611 Inaccurate account reporting, potential failure to properly report charge-off Story : I dispute this charge-off as I believe it has been reported inaccurately. I request verification of the debt and the complete account history, including signed agreements, statements, and all documentation showing the account balance and payment history. Reporting inaccurate charge-offs can significantly damage my creditworthiness and financial reputation. 
Instruction : Validate all account details. Remove if documentation can not be provided or if information is inaccurate. 

Account : XXXX XXXX XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Law/Issue : FCRA Sections 602, 611 Disputed charge-off reporting Story : I dispute this charge-off as it is reported inaccurately. I request proper verification, including original account statements, agreements, and payment history. Inaccurate charge-offs negatively affect my credit report, limit my access to credit, and violate my rights under the FCRA. 
Instruction : If verification fails or records are incomplete, delete this charge-off from my credit report. 

Inquiry : XXXX XXXX XX/XX/XXXX Law/Issue : FCRA Section 604 Unauthorized credit inquiry Story : I did not authorize this inquiry. Its presence on my credit report is inaccurate, may mislead creditors, and negatively affect my creditworthiness. 
Instruction : Delete this inquiry if proper authorization can not be documented by the creditor. 

I am requesting that the CFPB take immediate action to hold the credit bureaus and furnishers accountable. I demand deletion of all inaccurate addresses and removal or correction of the accounts that can not be properly verified according to federal law. The presence of these items is in violation of the FCRA and FDCPA, and they are causing financial harm, emotional distress, and blocking fair access to credit opportunities. I respectfully ask the CFPB to enforce compliance and ensure my consumer rights are fully protected.

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