Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate, misleading, and unauthorized items reported on my credit file. These errors have caused me significant emotional distress, loss of credit opportunities, and reputational damage. I am requesting the CFPBs immediate intervention and full investigation into these matters as they involve clear violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Wrong Addresses Reported XXXX XXXX, XXXX, NC XXXX Wrong Address XXXX XXXX XXXX, XXXX, NC XXXX Wrong Address These addresses do not belong to me, nor have I ever resided or received mail at these locations. Reporting inaccurate personal identifying information violates FCRA 1681e ( b ), which mandates credit reporting agencies to ensure the maximum possible accuracy of consumer data. False association with these addresses has negatively affected my credit profile and may expose me to identity fraud risks. 

XXXX. XXXX XXXX High Balance : {$260.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This account has been falsely reported as a charge-off. I have no valid contractual obligation with XXXX XXXX that justifies this reporting. Under FCRA 1681s-2 ( a ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. Moreover, under FCRA 611, I have disputed this with the credit bureaus, yet no verifiable evidence of the alleged debt has been provided. 

XXXX. XXXX Account XXXX. : XXXX XXXX XXXX XXXX High Balance : {$3000.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This is another inaccurate and unverifiable charge-off account. The furnisher has failed to provide any signed contract, billing statement, or payment record verifying my liability. Reporting unverified debt after dispute constitutes a willful violation of FCRA 623 ( a ) ( 1 ) ( B ) and FDCPA 807 ( 8 ), which prohibits communicating false credit information. 

XXXX. XXXX Account XXXX. : XXXX * * | High Balance : {$18000.00} | Date Opened : XX/XX/XXXX | Status : Charge Off This account was reported without proper validation or any substantiating documents confirming the debt. Continuing to report an account without verification after formal dispute is a direct violation of FCRA 611 ( a ) ( 5 ) and FCRA 623 ( b ). I also allege negligent and willful noncompliance under FCRA 616617, entitling me to statutory and punitive damages. 

XXXX. XXXX Account No. : XXXXXXXX XXXX XXXX | High Balance : {$500.00} | Date Opened : XX/XX/XXXX | Status : Late Payment The alleged late payment is unsubstantiated and inaccurate. I never received any notice of delinquency, and the furnisher failed to provide documentation supporting the reporting. This constitutes a breach of FCRA 609 ( a ) ( 1 ) ( failure to disclose information on request ) and FCRA 607 ( b ) ( failure to maintain accurate records ). 

XXXX. XXXX XXXX Account XXXX. : XXXXXXXX XXXX XXXX XXXX High Balance : {$1300.00} | Date Opened : XX/XX/XXXX | Status : Collection This collection account is being wrongfully reported without any debt validation notice, violating FDCPA 809 ( a ), which requires collectors to provide written validation of the debt within five days of initial communication. Additionally, the credit bureaus failed to verify the legitimacy of the account under FCRA 611 ( a ) ( 1 ) ( A ) after my dispute. 

7. Unauthorized and Excessive Hard Inquiries 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 XXXXXX/XX/XXXX These inquiries were made without my written consent or permissible purpose under FCRA XXXX ( a ). Each unauthorized inquiry constitutes a separate violation and has unlawfully impacted my credit score.

Requested Actions I respectfully request that the CFPB : Conduct a full investigation into the above furnishers and credit reporting agencies.

Direct all inaccurate and unverifiable accounts and addresses to be immediately deleted from my credit file.

Impose penalties on any furnisher or bureau found in violation of the FCRA or FDCPA.

Provide a written statement of findings and confirm all corrections in writing.

Conclusion These recurring reporting failures show gross negligence and systemic disregard for consumer protection laws. I have acted in good faith to resolve these inaccuracies, but the continued reporting of false data constitutes willful noncompliance. I am requesting your urgent intervention to ensure these violations are corrected and my credit integrity is restored.

Thank you for your time and attention to this matter. Please contact me if you require supporting documentation or further clarification.

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