Consumer complaint received 2025-10-29 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: IN

Complaint narrative:
I am submitting this formal complaint against several furnishers and credit reporting agencies for the continued reporting of inaccurate, unverifiable, and fraudulent information on my consumer credit file, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection laws. Despite previous disputes, the following information remains on my report without proper verification or lawful purpose. 

Disputed and Erroneous Information Wrong Addresses Listed ( Inaccurate Personal Information ) : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX Incorrect XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Incorrect These addresses do not belong to me and should have been removed under FCRA 1681i ( a ) as unverifiable and unrelated personal information. The continued presence of these addresses suggests either data contamination or possible identity misuse. 

Inaccurate and Unverified Accounts Reported XXXX XXXX Account No. XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Status : Charge-Off This account is being reported inaccurately and without proper verification. I have no contractual relationship or valid documentation from this furnisher supporting the legitimacy of this debt. 

XXXX Account No. XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Status : Charge-Off No supporting documentation has been provided to verify ownership or legal responsibility. 

XXXX XXXX Account XXXX. XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Status : Charge-Off This entry remains unverified, incomplete, and inconsistent across credit bureaus. 

XXXX XXXX XXXX XXXX  Account No. XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Status : Charge-Off It is unreasonable and illogical to report a {$0.00} balance account as charged off. This is a clear violation of FCRA 1681s-2 ( b ) for failure to report accurately. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was made without my authorization or permissible purpose under FCRA 1681b.

Violations and Legal Basis Each of the above furnishers and credit reporting agencies has violated the following sections of the FCRA and FDCPA : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy of reported information.

FCRA 1681i : Failure to conduct a reasonable reinvestigation upon dispute.

FCRA 1681s-2 ( b ) : Failure of data furnishers to properly investigate and correct inaccurate data. 

FCRA 1681b : Obtaining or using my consumer report without a permissible purpose.

FDCPA 807 & 809 : Reporting or attempting to collect debts without proper validation. 

These violations have directly damaged my creditworthiness and caused emotional distress, financial harm, and denial of credit opportunities. 

Requested Resolution I am requesting that the CFPB : Conduct a full investigation into the above furnishers and credit reporting agencies for FCRA violations. 

Compel the deletion of all unverifiable, inaccurate, or unauthorized data from my credit file. 

Require each furnisher to provide documented proof of my signed agreement and lawful verification. 

Take appropriate enforcement actions for noncompliance. 

I am attaching copies of my credit report, identification, and supporting documentation for your review. 

Thank you for your attention to this serious matter. I expect a full investigation and written confirmation of corrective actions.

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