Consumer complaint received 2025-12-08 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: MI

Complaint narrative:
I am submitting this complaint to report multiple inaccurate, unverified, and unlawfully reported items that have severely harmed my credit profile, financial stability, and personal well-being. I have been repeatedly affected by reporting practices that violate federal law, and despite my good-faith attempts to correct these issues, the furnishers have continued reporting harmful and inaccurate information. These errors have created substantial obstacles in my daily life, causing emotional distress, financial loss, and unjust denials, and I am requesting immediate review, correction, and enforcement of my rights under all applicable federal consumer protection laws. 

ADDRESSES XXXX XXXX PA XXXX, MI XXXX This address is not mine and has never been associated with me. I have never lived here, received mail here, or used this address for any purpose. Reporting an address that has no connection to me violates 15 U.S.C. 1681e ( b ) because accuracy can not be maintained when unverified personal identifiers are attached to my file. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX I have no relationship to this address whatsoever. This creates mixed-file confusion and violates the requirement that only accurate and verifiable information be reported under my profile. 

ACCOUNTS XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$25.00} Late Payment This late-payment reporting is inaccurate because I have never been late on this account. There is no valid basis for reporting delinquency, and such misinformation violates the accuracy requirement of 15 U.S.C. 1681e ( b ). The payment history must be corrected immediately. 

XXXX XXXX XXXX IN XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} Collection I have no knowledge of this collection account and never authorized or entered any agreement that could result in this debt. Without original, verifiable documentation proving ownership, this item can not legally remain on my report under 15 U.S.C. 1681i and 1681e ( b ). 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff I do not recognize this account. I have no knowledge of any credit relationship with this company, and there is no documentation that can link this account to me. A charge-off lacking verification must be deleted. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Chargeoff This account is completely unfamiliar to me. I never authorized this account, never signed any agreement, and never held any financial obligation with this lender. Unverified charge-offs violate the FCRAs accuracy and verification requirements. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$23000.00} Late Payment The late-payment information reported is inaccurate. I have never submitted late payments for this account, and no supporting documentation exists to validate any delinquency. This reporting fails the standard of maximum possible accuracy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Chargeoff I have no knowledge of this account. Without original signed documents, billing records, or confirmation of ownership, this charge-off can not legally remain. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Chargeoff This account is not mine. No valid evidence can show that I opened or used this account, making this listing unverifiable. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Chargeoff I do not recognize this account. It was not opened or authorized by me, and any negative reporting must be removed due to lack of verification. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Chargeoff Unknown account. I never had any financial relationship tied to this listing, making it unverifiable and inaccurate. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$64.00} Chargeoff This account is unfamiliar to me. Without verifiable proof, it violates 15 U.S.C. 1681e ( b ) and must be deleted. 

XXXX BANK XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Late Payment This late-payment reporting is incorrect because I have never been late on this account. Any delinquency reported is inaccurate and must be corrected to reflect a perfect payment history. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Chargeoff I have no knowledge of this account and never authorized it. No original documentation exists proving that I opened this account, making the reporting unlawful. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment The late-payment history is inaccurate. I have never submitted a late payment on this account, and the reporting does not meet the FCRAs accuracy requirement. 

XXXX BANK XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Chargeoff This account does not belong to me. Without a signed contract or legitimate evidence, this charge-off can not remain on my file. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Collection I have no knowledge of this alleged collection. There is no documentation that can tie this debt to me, and any unverifiable collection must be deleted. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Collection I do not recognize this collection account. Without proper verification, it is inaccurate and unlawful to report. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Collection I am unfamiliar with this debt, and no documentation exists showing that this account belongs to me. This requires immediate deletion. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Collection Unknown account. This collection is not mine, has never been mine, and lacks the required legal verification to remain on my report. 

INQUIRIES XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized by me. Without permissible purpose under 15 U.S.C. 1681b, it must be removed. 

XXXX XXXX XXXX XX/XX/XXXX XXXX inquiry. I did not give permission for this credit pull. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized and must be deleted immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX I never granted authorization for this inquiry and it violates permissible-purpose requirements. 

XXXX XXXX XX/XX/XXXX Unauthorized pull. No permissible purpose was granted. 

I respectfully request immediate intervention, full enforcement of my rights, removal of all unverified and inaccurate items, and corrective action against any furnisher or entity failing to comply with federal law. The continuing harm caused by these unlawful reporting practices has been significant, and resolving these violations is necessary to restore the accuracy and integrity of my credit file and protect me from further financial and personal damage.

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