Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am submitting this formal complaint against several creditors, furnishers, and the credit bureaus for serious violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
My credit report contains multiple inaccurate addresses, false account information, unauthorized hard inquiries, and unverifiable charge-off and collection entries. These errors have negatively impacted my creditworthiness, reputation, and financial opportunities. Despite my prior disputes, the credit bureaus have failed to correct or remove these inaccurate items as required by law. 
THE FOLLOWING ADDRESSES ARE WRONG AND MUST BE REMOVED IMMEDIATELY : 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 These addresses are completely incorrect and not associated with me in any way. I have never lived, received mail, nor conducted any business at these locations. Including these addresses on my credit report indicates serious data-matching or identity confusion issues that violate FCRA 602 ( A ), which requires consumer reports to be accurate and fair. I request that all of the above addresses be deleted immediately and replaced only with my correct current address. 
THE FOLLOWING ACCOUNTS ARE BEING DISPUTED FOR INACCURACY OR IMPROPER REPORTING : XXXXXXXX XXXX ( Acct : XXXX * * ) * * Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reported Issue : Late Payment I have never made any late payment on this account. The reporting of delinquencies is false, misleading, and harmful. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reason to believe is inaccurate. I request that all late payment notations be removed and the account updated to reflect an on-time payment history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Reported Issue : Charge-Off I have no knowledge of this account whatsoever. I never opened, authorized, or had any dealings with XXXXXXXX XXXX. Reporting a charge-off for an account I never owned is a violation of FCRA 609 ( a ) ( 1 ) and FCRA 611, as the information can not be verified. I demand that this entry be deleted entirely from my credit report. 
XXXX ( Acct : XXXX * * ) * * Date Opened : XX/XX/XXXX | Balance : {$12000.00} | Reported Issue : Charge-Off This is another duplicate or false entry. I have never owned XXXX separate accounts with XXXX ending on the same date and nearly identical details. This duplication clearly demonstrates poor reporting practices or possible identity misuse. Please delete this inaccurate listing immediately. 
XXXX ( Acct : XXXX * * ) * * Date Opened : XX/XX/XXXX | Balance : {$12000.00} | Reported Issue : Charge-Off I dispute this entry because it is inaccurately reported and the alleged charge-off is not valid. I was not notified of any delinquency, charge-off, or assignment to a third party. Please provide proof of contract, payment history, and charge-off validation. If no valid evidence can be produced, this account must be deleted under FCRA 611 ( a ) ( 1 ) ( A ).

SUMMARY OF VIOLATIONS : Failure to ensure accuracy of personal identifying information ( wrong addresses ) FCRA 602 ( A ) Reporting unverifiable and false accounts FCRA 611 ( a ) ( 1 ) ( A ) Failure of furnishers to provide verification FCRA 623 ( a ) ( 1 ) ( A ) Reporting duplicate and erroneous charge-offs FCRA 611 ( a ) ( 5 ) ( A ) Unauthorized inquiry without permissible purpose FCRA 604 ( a ) ( 3 ) Requested Resolution : 1. Immediate removal of all incorrect addresses.

2. Deletion of all unverifiable charge-off and collection accounts ( XXXX XXXX, both XXXX XXXX, XXXX XXXX XXXX XXXX ). 
3. Correction of XXXX XXXX account to reflect never late status. 
4. Removal of the unauthorized XXXX XXXX inquiry. 
5. Written confirmation and updated credit report from all credit bureaus showing corrections. 
Declaration : I declare under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge. I am requesting the CFPB to open a formal investigation into these violations and compel the credit bureaus and furnishers to comply with the law.

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