Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
I am filing this formal complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ) are being violated. My credit report contains multiple inaccurate, fraudulent, and unverifiable entries that are severely damaging my credit profile. I have repeatedly disputed these items with the credit bureaus and furnishers, yet they have failed to conduct proper investigations. 

Below are the specific accounts and problems : WRONG / FRAUDULENT ADDRESSES ( NOT MINE ) These addresses are 100 % incorrect, I have never lived at or used any of them : XXXX SHIVER BV XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX These entries suggest identity misuse or reporting errors. I demand full removal and reinvestigation. 

XXXX ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS According to my consumer rights, NO furnisher may report unverifiable or inaccurate information. 
I do not recognize, authorize, or have any knowledge of the following XXXX and XXXX Bank charge-off accounts. Therefore, they must be fully deleted : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$11000.00} Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$7700.00} Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$3400.00} Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$8900.00} Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$12000.00} Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1700.00} Chargeoff XXXX XXXX These accounts do not belong to me, and they can not be verified with any authentic documentation because I have NEVER opened these lines of credit. Under FCRA 609 & 611, unverifiable accounts must be deleted immediately. 

LATE PAYMENT ACCOUNTS REPORTING IS WRONG The following student loan accounts are reporting false late payments. 
I have never been late, and these entries violate FCRA XXXX for accuracy : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} Late Payment XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} Late Payment These negative marks are inaccurate, misleading, and must be corrected immediately to reflect NO late payments. 

REQUEST FOR CFPB ACTION I respectfully request that the CFPB : Force the credit bureaus and furnishers to provide full documentation proving these accounts and addresses belong to me. 

If they can not verify them with legally valid documentation, they must delete these entries immediately. 

Ensure all furnishers comply with FCRA requirements for accuracy and proper investigation. 

Require the removal of all fraudulent charge-off accounts and incorrect addresses. 

Require correction of all falsely reported late payments. 

CONCLUSION These inaccurate entries are causing severe financial harm, blocking my access to credit, and violating my rights. I am requesting CFPB oversight to ensure the bureaus and furnishers follow the law and correct these errors immediately. 

Thank you for your assistance.

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