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 submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning multiple inaccurate, outdated, and unverified items being reported on my consumer credit reports. These issues represent serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite previous efforts to correct these errors with the furnishers and credit reporting agencies ( Equifax, Experian, and TransUnion ), these accounts and addresses remain inaccurately reported and are damaging my credit profile unjustly. 
Inaccurate Address Reporting ( Violation of FCRA 602A, 607 ( b ) ) The following addresses have never been associated with me and are being incorrectly reported on my credit file : 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 XXXX XXXX XXXX XXXX  These addresses are being reported in error and may be contributing to identity mix-ups or fraud risk. Under FCRA 607 ( b ), furnishers must maintain reasonable procedures to ensure maximum possible accuracy.

Disputed Credit Accounts Each of the following accounts is either inaccurately reported, unverifiable, contains outdated information, or is a result of identity confusion or misreporting. I demand a thorough investigation into each XXXX XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX High Balance : {$1000.00} Status : Charge-Off Violation : This charge-off account continues to report inaccurate balance and payment status. The debt is unverified, and no proper validation has been provided upon request. 
Law Cited : o FCRA 611 ( a ) : Failure to verify disputed item o FDCPA 809 ( b ) : Failure to validate debt XXXX XXXX XXXX XXXX Acct XXXX : XXXX Date Opened : XX/XX/XXXX High Balance : {$720.00} Status : Late Payment Violation : Late payment is inaccurately reported during a time when forbearance/dispute was requested and documentation was submitted. 
Law Cited : o FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher provided inaccurate information o FCRA 611 ( a ) : Disputed information not properly investigated XXXXXXXX XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX High Balance : {$21000.00} Status : Late Payment Violation : Late payments have been reported inaccurately and without considering hardship deferments communicated during COVID-19 relief programs. 
Law Cited : o CARES Act 4021 o FCRA 623 ( a ) : Reporting inaccurate payment history XXXX. XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX High Balance : {$670.00} Status : Collection Violation : Collection account is not validated and continues to be reported without evidence of original creditor ownership or chain of custody. 
Law Cited : o FDCPA 809 ( b ) : Failure to provide validation of debt o FCRA 611 : Failure to verify disputed account XXXXXXXX XXXX XXXX XXXX Acct # : XXXX Status : Collection ( Details incomplete ) Violation : XXXX  has failed to respond to debt validation request, and the continued reporting is harming my credit. 
Law Cited : o FDCPA 809 o FCRA 611 and 623 ( a ) ( 1 ) Relief Requested I respectfully request the CFPB take immediate action to investigate the following : 1. Removal of all incorrect addresses from my credit file. 
2. Full investigation and deletion of any unverified, inaccurate, or invalid accounts listed above.

3. Sanctions or enforcement actions against furnishers violating FCRA/FDCPA provisions.

4. Confirmation that each account has been corrected or removed based on the investigation results. 
These inaccuracies are causing undue hardship and interfering with my ability to obtain fair credit opportunities. As a consumer protected by federal law, I request that this matter be handled swiftly and in accordance with CFPB policies and U.S. consumer protection statutes.

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