Consumer complaint received 2025-10-21 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:
This letter is written in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am submitting this dispute because there are multiple inaccurate, unverifiable, and misleading personal information entries being reported under my credit file. These false entries are seriously damaging my credit profile, reputation, and overall financial credibility. I am exercising my legal right under FCRA 611 ( a ) to request a full investigation and deletion of all inaccurate information listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Wrong Address According to FCRA 602 ( A ) and 607 ( B ), consumer reporting agencies are required to maintain maximum possible accuracy in the information they report. However, these addresses listed above are completely incorrect and have never been associated with me in any legal, residential, or financial capacity. I have never resided, received mail, applied for credit, or conducted any personal or business activities at these locations. 
The inclusion of these false addresses raises serious privacy and identity theft concerns. The fact that these addresses are connected to my credit profile without my authorization is deeply alarming and suggests potential mixed file contamination, data breach, or fraudulent activity involving my personal information. Reporting these addresses can negatively affect my creditworthiness, trigger mistaken identity matches, and damage my reputation with current and future creditors. 
I am a law-abiding citizen who carefully monitors my credit. It is extremely concerning that despite my continuous diligence, these unfamiliar and unverified addresses have appeared under my personal information section. This is not only inaccurate, but it also represents a direct violation of the accuracy and reinvestigation standards that credit bureaus are legally bound to uphold under FCRA 607 ( b ), 611 ( a ), and 623 ( a ). 
These false addresses can also connect to accounts or inquiries that I have no knowledge or association with, which can severely affect my ability to obtain credit, rent housing, or secure employment. The presence of these addresses violates my right to a fair and accurate credit report and represents a breach of due diligence under federal compliance standards. 
Therefore, I am demanding the immediate deletion of these addresses from all three of my credit reports .I also request that you : 1. Conduct a full reinvestigation of how these addresses were added.

2. Provide a written response listing the name of the furnisher or source that reported these addresses.

3. Send me an updated credit report confirming that the false addresses have been permanently removed. 
4. Ensure that these addresses are not reinserted into my report without proper certification as required by FCRA 611 ( a ) ( 5 ) ( B ).

If you fail to comply with this lawful request within the 30-day time frame, I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and the Attorney Generals Office. I will also consider civil action under FCRA 616 and 617 for negligent or willful noncompliance.

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