Consumer complaint received 2025-06-01 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: CA

Complaint narrative:
To Whom It May Concern, I, XXXX, am submitting this formal complaint to bring to your attention serious, repeated violations of federal consumer protection laws by multiple creditors and debt collectors who have reported inaccurate, unauthorized, and damaging information on my credit reports. I am requesting immediate investigation and correction of these issues. 
Background : Over the past several years, I have discovered numerous accounts listed under my name with multiple inconsistencies, unauthorized charge-offs, collections, and inaccurate addresses. These accounts have significantly damaged my creditworthiness despite my repeated attempts to resolve the errors directly with the creditors and collection agencies. These ongoing issues violate several provisions under federal law designed to protect consumers like me. 
Addresses Reported Incorrectly or Fraudulently I have found multiple different addresses linked to my credit reports that do not reflect my actual residence or mailing address. These discrepancies suggest improper handling or possible identity theft : 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 Relevant Law : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. The persistent appearance of multiple addresses without validation violates this requirement. 
Account Issues Summary and Legal Violations XXXX. XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2700.00} o Date Opened : XXXX o Status : Charge Off Despite my requests for verification, this account shows as charged off without proper notice or validation. 
Law : FCRA 1681i - Right to dispute and obtain reinvestigation. Also, Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requires debt collectors to validate debts before reporting. 
XXXX. XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  o High Balance : {$0.00} o Date Opened : XX/XX/XXXX o Status : Charge Off This account shows a charge-off with XXXX balance, which is inconsistent and misleading. 
Law : FCRA 1681s-2 ( b ) requires furnishers to correct inaccurate information. 
XXXX. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$30000.00} o Date Opened : XX/XX/XXXX o Status : Charge Off This large balance charge-off is being reported without proper documentation and without responding to my dispute requests. 
Law : FDCPA 1692e prohibits false, deceptive or misleading representations. 
XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1800.00} o Date Opened : XX/XX/XXXX o Status : Charge Off This account was charged off shortly after opening, suggesting possible errors or fraudulent activity. 
Law : FCRA 1681i - Obligation to investigate disputed information. 
XXXX. XXXXXXXX XXXX  Account # XXXX * ( Charge Off and Collection ) o High Balance : {$850.00} o Dates Opened : XX/XX/XXXX and XX/XX/XXXX o Status : Charge Off and Collection Dual reporting of charge off and collection for the same account is misleading and inaccurate. 
Law : FDCPA 1692f - Prohibition of unfair practices, including confusing dual reporting. 
XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1600.00} o Date Opened : XX/XX/XXXX o Status : Charge Off Account is being reported with future open date, which is impossible and clearly inaccurate. 
Law : FCRA 1681e ( b ) - Requirement for accurate reporting. 
XXXX. XXXX XXXX Account # XXXX o High Balance : {$390.00} o Date Opened : XX/XX/XXXX o Status : Charge Off Despite multiple disputes, this charge off remains unresolved and is damaging my credit unfairly. 
Law : FDCPA 1692c - Harassment and abuse in debt collection. 
XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1800.00} o Date Opened : XX/XX/XXXX o Status : Charge Off Repeated reporting of this account without verification violates consumer rights. 
Law : FCRA 1681s-2 ( b ) - Duty to correct inaccurate information. 
XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$290.00} o Date Opened : XX/XX/XXXX o Status : Charge Off No documentation or prior notice was provided before charge-off was reported. 
Law : FDCPA 1692g - Debt validation required. 
Summary and Relief Sought The repeated reporting of inaccurate balances, multiple charge-offs without proper validation, inconsistent account statuses, and numerous erroneous addresses constitute a clear violation of my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 
I demand : Immediate reinvestigation of all disputed accounts. 
Removal or correction of all inaccurate, unverifiable, or fraudulent information. 
Correction of all erroneous addresses linked to my credit reports. 
Confirmation in writing that my credit reports have been corrected and reflect accurate data. 
Please consider this a formal request under FCRA 611 ( 15 U.S.C. 1681i ) to investigate and correct all inaccuracies. I am prepared to escalate this matter legally if these violations continue. 
Thank you for your prompt attention to this serious matter.

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