Consumer complaint received 2025-06-06 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: OK

Complaint narrative:
Dear CFPB Team, I am writing to formally submit a complaint regarding numerous inaccuracies, wrongful reporting, and improper debt collection practices reflected on my credit report by various creditors and collection agencies. Despite my repeated attempts to resolve these discrepancies directly with the furnishers and credit bureaus, the errors remain uncorrected, causing significant damage to my creditworthiness and financial wellbeing. 
Details of the Issues : 1. Incorrect Address Reporting Violation of FCRA Section 609 ( a ) ( 1 ) ( A ) Multiple accounts on my credit report are associated with incorrect addresses that are not related to my residence or past residence history, which violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete information. The inaccurate addresses include but are not limited to : XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX These false addresses create confusion and raise concerns regarding identity accuracy and credit integrity. 
2. Late Payments and Charge-Offs Possible Violation of FCRA Sections 607 ( b ), 609 ( a ), and 623 ( a ) The following accounts show erroneous late payment records and charge-offs that I dispute as inaccurate or unverified : XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Acct # : [ ] ) XXXX XXXX XXXXXXXX ( Acct # : [ ] ) XXXX XXXX XXXX ( Multiple Accounts ) XXXX XXXX XXXXXXXX XXXX Acct # : [ ] ) XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA Section 623 ( a ), furnishers must conduct a reasonable investigation of any disputed information. Despite my disputes, these accounts continue to report late payments and charge-offs inaccurately, without proper validation.

3. Improper Debt Collection Practices Violation of FDCPA Sections 807, 809 Certain collection agencies, including XXXX  and XXXX XXXX XXXXXXXX, have engaged in aggressive and possibly unlawful collection practices, including reporting debts inaccurately and failing to verify the debts upon my request, violating the Fair Debt Collection Practices Act ( FDCPA ). 
Requested Actions : 1. Conduct a full and thorough investigation of each disputed account and verify the accuracy of all reported information, especially late payments, charge-offs, and account status.

2. Immediately remove all incorrect addresses associated with my credit profile as they are false and damaging.

3. Provide me with copies of all documentation and verification used in the validation process.

4. Cease all unfair debt collection activities until verification is provided and disputes are resolved.

5. Correct my credit report to reflect accurate and verified information in compliance with FCRA and FDCPA.

Legal References : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

o Section 609 ( a ) ( 1 ) ( A ) Right to dispute inaccurate information o Section 607 ( b ) Duty of furnishers to provide accurate information o Section 623 ( a ) Duty to investigate disputes Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

o Section 807 Prohibition against false or misleading representations o Section 809 Validation of debts I trust CFPB will assist me in ensuring that my credit report reflects accurate, fair, and complete information as mandated by federal law. I appreciate your prompt attention to this serious matter and look forward to your resolution.

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