Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I am filing this formal complaint against multiple furnishers and credit reporting agencies for reporting false, inaccurate, and unverified information on my credit reports. These errors are damaging my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Below are the specific items in dispute : 1. Wrong Address Reporting : XXXX XXXX XXXX XXXX, XXXX, SC XXXX This address is incorrect and does not belong to me. I have no connection to this address and demand its immediate removal from all credit reporting databases. 

2. Accounts Reported with False Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX These accounts are reporting late payments that are completely inaccurate. I have never made any late payments on these accounts. The furnishers have failed to maintain accurate records, and under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), they are required to report only complete and accurate information. I request that these incorrect payment histories be immediately corrected. 

XXXX. Charge-Off Accounts I Have No Knowledge Of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX XXXX  I have no knowledge or recollection of ever having these charge-off accounts. These entries appear to be fraudulent or unverified. Under the FCRA 611 and 623, these accounts must be deleted entirely if the furnishers can not provide verified, documented proof of ownership and liability.

4. Collection Account I Have No Knowledge Of : XXXX XXXX XXXX XXXXXXXX * Date Opened : XX/XX/XXXX Balance : {$1000.00} * * I have no knowledge of this collection account and have never received any notice of debt validation from this company as required under FDCPA 80

9 ( 15 U.S.C. 1692g ). Reporting a collection without proper validation is a serious violation, and I am requesting its immediate deletion from my credit file.

Requested Resolution : Remove the incorrect address listed above from my credit profile. 

Delete or correct the inaccurate accounts and payment histories listed. 

Provide written confirmation from each bureau and furnisher that the disputed items have been verified, corrected, or deleted. 

Ensure all credit bureaus ( Experian, XXXX, and XXXX  ) update their records accordingly. 

Legal Basis : These reporting errors violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). Continued reporting of inaccurate or unverified information after notice constitutes willful noncompliance and may result in further legal action.

Conclusion : I am requesting a full investigation into these matters. I have already contacted the credit bureaus, and they have failed to provide satisfactory responses or verifiable documentation. I expect the CFPB to hold these furnishers accountable and ensure compliance with all federal consumer protection laws.

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