Consumer complaint received 2025-08-13 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: TN

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains multiple false addresses, inaccurate account reporting, and unauthorized credit inquiries. These serious violations have caused significant damage to my credit profile, hindered my ability to obtain credit, and harmed my financial reputation. The reporting parties and credit bureaus have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to ensure maximum possible accuracy, by continuing to report unverified and disputed information, and by allowing unauthorized access to my credit file. I am demanding that the CFPB take immediate enforcement action to investigate, compel compliance, and ensure permanent removal of all inaccurate and unauthorized information from my credit report. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance {$590.00} Date Opened XX/XX/XXXX Late Payment Law : FCRA 602A, 611, 609 ( a ) ( 1 ) Accuracy and Documentation Requirement Issue : Late payment reported without verifiable proof from original creditor Story : I never received valid documentation of any late payment for this account, and I have reason to believe that the payment history has been reported in error or as a result of clerical mistakes. No original creditor records have been provided to me to substantiate this negative entry, and it is affecting my creditworthiness unfairly. 
ACCOUNT XXXX XXXX XXXX High Balance {$3200.00} Date Opened XX/XX/XXXX Charge Off Law : FCRA 611, 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information Issue : Account shows as charge-off with inconsistent dates and no full payment history verification Story : I do not recognize the exact terms or balance reflected. The reporting creditor has failed to provide a full contract, payment ledger, and charge-off notice. Without these, continued reporting is inaccurate and misleading. 
ACCOUNT XXXX XXXX XXXX High Balance {$260.00} Date Opened XX/XX/XXXX Late Payment Law : FCRA 602A, 609 ( a ) ( 1 ) Verification Obligation Issue : Account shows a late payment for a recent date but no proof or original documentation Story : The date and alleged delinquency do not match my records, and I believe this may be a case of mixed file or reporting delay. This requires reinvestigation with the original source. 
ACCOUNT XXXX XXXXXXXX XXXX XXXX  High Balance {$200.00} Date Opened XX/XX/XXXX Charge Off Law : FCRA 611, 623 ( a ) ( 1 ) Accuracy of Reporting Issue : Outdated account reporting as charge-off without proof Story : The age of this account suggests it may be obsolete or incorrectly listed, and no proof of balance or delinquency has been given. 
ACCOUNT XXXX  XXXX XXXX High Balance {$1500.00} Date Opened XX/XX/XXXX Late Payment Law : FCRA 602A, 609 ( a ) ( 1 ) Issue : Late payment entry with no original evidence Story : I dispute the accuracy of this negative mark as I have never been shown an original bill or ledger verifying lateness. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance {$1000.00} Date Opened XX/XX/XXXX Late Payment Law : FCRA 611 Issue : Repeated late payment listings without proof Story : Duplicate negative entries damage my score unjustly. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX  High Balance {$1000.00} Date Opened XX/XX/XXXX Late Payment Law : FCRA 611, 623 ( a ) ( 1 ) ( A ) Issue : Same as above, duplicates cause harm and may violate reporting accuracy rules Story : Must be deleted or corrected. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX High Balance {$1000.00} Date Opened XX/XX/XXXX Late Payment Law : FCRA 611 Issue : Possible duplication and unverifiable record Story : Harmful duplicate entry. 
ACCOUNT XXXX XXXX XXXX * High Balance {$22000.00} Date Opened XX/XX/XXXX Late Payment Law : FCRA 609 ( a ) ( 1 ) Issue : No original evidence of late payment has been provided despite multiple requests Story : Alleged delinquency can not be proven without full payment record. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX  High Balance {$39000.00} Date Opened XX/XX/XXXX Late Payment Law : FCRA 611 Issue : No original verification provided Story : Continued reporting without proof is unlawful. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX  High Balance {$1000.00} Date Opened XX/XX/XXXX Late Payment Law : FCRA XXXX Issue : Duplicate unverifiable record Story : Negatively impacts my credit file multiple times for same creditor. 
ACCOUNT XXXX XXXX XXXX XXXX High Balance {$1500.00} Date Opened XX/XX/XXXX Collection Law : FCRA 611, FDCPA 807 ( 8 ) Issue : Collection account not validated with debt verification letter Story : I requested verification under FDCPA, and none was provided. 
ACCOUNT XXXX XXXX  XXXX High Balance {$2000.00} Date Opened XX/XX/XXXX Collection Law : FDCPA 809, FCRA 611 Issue : No original documentation provided Story : This is harming my credit without proof. 
ACCOUNT XXXX  XXXX High Balance {$1100.00} Date Opened XX/XX/XXXX Collection Law : FCRA 611, FDCPA 807 ( 8 ) Issue : Inaccurate reporting without verification Story : I dispute as no proof has been shown. 
INQUIRY XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Unauthorized access to my credit file Story : I never applied for credit here. 
INQUIRY XXXX XX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : No permissible purpose Story : I did not request credit. 
INQUIRY XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Unauthorized pull Story : No consent given. 
INQUIRY XXXX XXXXXX/XX/XXXX Law : FCRA 604 ( a ) ( 3 ) Issue : Duplicate inquiries without authorization Story : Damaging my score without my consent. 
I am requesting that the CFPB exercise its authority to enforce the provisions of the FCRA and hold the credit reporting agencies and furnishers accountable for these ongoing violations. The reporting of inaccurate addresses, unverified charge-off accounts, and unauthorized inquiries is a direct breach of my consumer rights. These actions have caused measurable harm to my creditworthiness and personal integrity. I demand that the CFPB require immediate deletion of all disputed and unverified items, removal of unauthorized inquiries, and provide me with written confirmation of all corrections within 30 days. Failure to address these violations will leave me no choice but to pursue all available legal remedies.

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