Consumer complaint received 2025-11-17 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 because multiple furnishers and the credit reporting agencies ( Experian, XXXX XXXX XXXX  ) are reporting incorrect addresses, unverified charge-offs, unverified collection accounts, and late payment records that I have NO knowledge of. These items violate the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ), 607 ( B ), and 611, which require maximum possible accuracy and proper verification. 

XXXX. WRONG / INACCURATE ADDRESSES REPORTED These addresses are NOT mine and must be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address These addresses are inaccurate, unverifiable, and do not belong to me. 

XXXX. LATE PAYMENT ACCOUNTS HISTORY IS WRONG As per my standing request : I have never made late payments on these accounts. The reported late history is false and must be corrected. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$400.00} Late Payment reported inaccurately XXXX XXXX Opened : XX/XX/XXXX Late Payment reported inaccurately Dept of EducationXXXX XXXX XXXX : XX/XX/XXXX Balance : {$6800.00} Late Payment reported inaccurately Dept of Education/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance : {$3800.00} Late Payment reported inaccurately These entries must be corrected because the payment history being reported is false and does not reflect actual account performance. 

XXXX. CHARGE-OFF ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS I do not recognize these accounts. 
Under FCRA 611, I am formally demanding deletion due to lack of verification : 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 XXXX XXXXXX/XX/XXXX Balance : {$2400.00} Charge Off I have no knowledge of these accounts, did not authorize them, and demand proper verification or deletion. 

XXXX. COLLECTION ACCOUNTS NOT MINE, NO CONTRACT, NO PROOF These collection accounts are being reported without validation. 
I do not have any knowledge of these debts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} Collection These accounts are not mine, no original signed contract has been provided, and no validation has been offered. 
FCRA requires complete verification ; otherwise, the items must be deleted. 

XXXX. UNAUTHORIZED / HARD INQUIRIES NOT MINE I did not authorize these hard inquiries. They 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my permission, violating the permissible purpose requirements under FCRA 604.

REQUEST FOR CFPB ACTION I request that the CFPB : Conduct a full investigation into all furnishers listed. 

Demand documentation showing signed contracts, payment history, or proof of ownership for all disputed accounts. 

Require deletion of any item that can not be 100 % verified with proper documentation. 

Ensure credit bureaus update my file accurately and in compliance with FCRA. 

Thank you for your immediate attention. 
I am requesting written confirmation once the investigation is complete.

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