Consumer complaint received 2025-08-18 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:
CFPB Complaint Letter Draft To the Consumer Financial Protection Bureau, I am submitting this complaint because my credit report is filled with serious inaccuracies, duplicate charge-offs, wrong addresses, unverified collections, and unauthorized inquiries. These errors have created devastating consequences in my life. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accuracy, verification, and fairness in my credit reporting, yet these rights are being ignored. 
The first issue is the repeated appearance of false addresses such as XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have never lived at any of these locations, and their presence creates confusion about my identity. FCRA Section 607 ( b ) requires consumer reporting agencies to assure maximum possible accuracy. Because of these wrong addresses, I have had lenders question my honesty, my applications delayed, and even mail misdirected. This has left me vulnerable to identity theft and humiliation when I try to apply for housing or credit. 
Address : XXXX XXXX XXXX XXXX, CA XXXX Issue : This address does not belong to me and was never a residence of mine. Its appearance is a misrepresentation of my identity. 
Law : FCRA Section 607 ( b ) requires credit reporting agencies to maintain maximum possible accuracy. 
Story : Because this false address appears on my file, I have faced suspicion from lenders who questioned whether I was attempting fraud or concealing my true identity. This has delayed credit applications, created embarrassment, and resulted in unnecessary denials. It has also left me vulnerable to identity theft, as my credit file appears inconsistent and unreliable. 
Address : XXXX XXXX  XXXX XXXX XXXX, CA XXXX Issue : Wrong address, never associated with me. 
Law : FCRA Section 605B protects consumers from identity theft and requires removal of fraudulent data.

Story : The presence of this wrong address makes it appear that I have ties to locations I never occupied. This has resulted in my applications being flagged for potential fraud, causing humiliation and delays in financial opportunities. 
Account : XXXX XXXX XXXX XXXX  High Balance {$1500.00} Date Opened XX/XX/XXXX Issue : Reported as a charge-off and duplicated on my report. 
Law : FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate or duplicate information.

Story : This single account being shown multiple times as derogatory unfairly magnifies the damage against me. Lenders assume I defaulted on multiple accounts, which is false. This duplication is misleading, damaging, and unlawful. 
Account : XXXX XXXX XXXX XXXX  ( duplicate entry ) Issue : Same account reported again as a separate charge-off. 
Law : FCRA requires each account to be reported accurately, without duplication. 
Story : This duplicate entry lowers my score, creates the appearance of repeated defaults, and makes it nearly impossible for me to obtain fair financing. My applications for credit cards and auto loans have been denied in part because of this wrongful duplication. 
Account : XXXX XXXX * * * High Balance {$1300.00} Date Opened XX/XX/XXXX Issue : Reported as a charge-off. 
Law : FCRA Section XXXX requires reinvestigation when a consumer disputes an account. 
XXXX : This reporting falsely portrays me as someone who defaulted on credit. As a result, I have been denied rental housing and lines of credit. My reputation has suffered with potential landlords and creditors who misinterpret my history. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$500.00} Date Opened XX/XX/XXXX Issue : Reported as charge-off. 
Law : FDCPA Section 809 ( b ) requires proper validation of debts if disputed.

Story : This inaccurate report has led to me being judged as financially unstable, even though no valid evidence has been provided to prove I owed or defaulted on this account. 
Account : XXXX XXXX XXXX XXXX High Balance {$2500.00} Date Opened XX/XX/XXXX Issue : Reported as charge-off without validation. 
Law : FDCPA Section 809 ( b ) entitles me to validation of debts. 
Story : I never received proof of this debt, yet it continues to poison my report. Because of this entry, I have been denied personal loans, and my character has been unfairly questioned. 
Account : XXXX XXXXXXXX XXXX High Balance {$1100.00} Date Opened XX/XX/XXXX Issue : Reported as a collection. 
Law : FDCPA Section 807 prohibits false representation of debt.

Story : I was never notified or validated on this alleged debt, yet it is harming my credit profile. This entry alone has caused multiple credit card denials and damaged my peace of mind. 
XXXX : XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
XXXX : FCRA Section XXXX. 
XXXX : This inquiry harmed my credit standing, leaving me with a lower score and reducing my eligibility for fair loan rates. 
XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry. 
XXXX : FCRA Section XXXX. 
XXXX : This entry is unlawful and unfair. It lowered my score and made it appear that I was applying for credit recklessly. 
These errors combined have severely impacted my life. I was denied an auto loan that I needed for reliable transportation. I was charged higher interest on a credit card, costing me hundreds of dollars extra each month. I have been rejected for rental housing, making it difficult to provide stability for myself and my family. I live in constant stress knowing that my reputation is being tarnished by false and unverified information. Every time I try to improve my financial situation, these errors block me and cause emotional distress, sleepless nights, and anxiety. 
I am asking the CFPB to step in and hold the credit bureaus and furnishers accountable. The wrong addresses must be deleted, duplicate and unverifiable charge-offs removed, false late payments corrected, unknown collections eliminated, and unauthorized inquiries erased. I also request that all parties provide me with documentation verifying any information they continue to report. If they can not provide such evidence, the law requires deletion. 
This situation has caused me real, measurable harm in both financial and emotional terms. I respectfully request that the CFPB take immediate action to enforce compliance with the FCRA and FDCPA, so I can finally have an accurate and fair credit report.

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