Consumer complaint received 2025-11-14 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 because multiple credit reporting agencies and furnishers are willfully reporting false, fraudulent, and identity-mismatching information on my consumer report. These violations are causing substantial harm, and I am exercising my rights under the FCRA ( Fair Credit Reporting Act ) Sections 602, 607, 609, 611, and 623.

Despite multiple disputes, the agencies continue to publish inaccurate, unverifiable, and unauthorized data. Below is a detailed breakdown of the items that are not mine, wrong, or reported illegally. 

WRONG & FRAUDULENT PERSONAL INFORMATION The following addresses DO NOT belong to me and are clear signs of identity confusion or mixed-file reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS FCRA requires accurate personal identifiers. Reporting addresses I have never lived at is a direct violation of FCRA XXXX ( b ) accuracy requirements and puts me at risk of identity fraud. 

LATE PAYMENT ACCOUNTS 100 % FALSE & MUST BE CORRECTED These accounts are reporting late payments, but I have NEVER made a late payment on these accounts.

This is factual inaccuracy, violating FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) : XXXX  XXXX XXXX WRONG LATE PAYMENT REPORTING XXXX XXXXXXXX WRONG LATE PAYMENT REPORTING I demand immediate reinvestigation and correction of these false late payment histories. 

CHARGE-OFFS & COLLECTION ACCOUNTS NOT MINE / NO KNOWLEDGE These accounts are NOT mine, I have NO knowledge of them, and no documentation has ever been provided to prove they belong to me. 
They must be deleted immediately, NOT updated or verified without evidence. 

Charge-Off Accounts NOT MINE XXXX XXXXXXXX Charge Off Not Mine XXXX XXXX XXXX XXXX XXXX Charge Off Not Mine XXXX XXXXXXXX Charge Off Not Mine XXXX XXXX Charge Off Not Mine XXXX XXXX XXXX Charge Off Not Mine These are inaccurate, unverified, and fraudulent entries. Under FCRA 609 ( a ) and 611, furnishers must provide verifiable documentation. 
None exists. 

Collection Accounts NOT MINXXXX XXXX XXXX XXXX XXXXXXXX Collection Not Mine XXXX XXXX  XXXX Collection Not Mine XXXX XXXX  XXXX Collection Not Mine XXXX XXXX Collection Not Mine Reporting debts I do not owe is a severe violation of FCRA 623 and FDCPA regulations. 

I demand the immediate deletion of all such accounts. 

UNAUTHORIZED / SUSPICIOUS HARD INQUIRIES These inquiries were performed without my permission and are not tied to any application I made : XXXX XXXX XXXX XX/XX/year> Unauthorized Inquiry XXXX XXXX XX/XX/year> Unauthorized Inquiry XXXX XXXX XXXXXX/XX/year> Unauthorized Inquiry XXXX XXXX XXXX XX/XX/year> Unauthorized Inquiry Under FCRA, unauthorized inquiries must be removed immediately. 

MY FORMAL DEMANDS I demand that CFPB force the reporting agencies and furnishers to : DELETE all accounts I have no knowledge of ( charge-offs & collections stated above ) CORRECT all false late payment information REMOVE the wrong addresses from my consumer file DELETE all unauthorized inquiries Provide a written confirmation that these corrections and deletions have been completed Provide copies of all verification documents, including contracts and signature pages, as required under FCRA 609 ( a ) ( 1 ) Failure to comply is a willful violation of federal law and will escalate to litigation.

CONSUMER DECLARATION I certify that the information I provided is true to the best of my knowledge and demand immediate intervention by the CFPB to stop these ongoing FCRA violations.

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