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: SC

Complaint narrative:
I am writing to file a formal complaint against several inaccurate and unverified items currently being reported on my consumer credit reports. These entries are severely damaging my credit profile and 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. ).

Despite my efforts to have these items corrected or removed through direct disputes with the credit bureaus and furnishers, the accounts remain unverified and inaccurate. I am requesting the CFPBs intervention to ensure a full investigation and appropriate enforcement action. 

The following accounts and addresses are being inaccurately reported : Incorrect Addresses XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Wrong Address Inaccurate Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Late Payments Unverified and InaccuratXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Late Payments Not Accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Late Payments Not Accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Late Payments Not Accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Late Payments Not Accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Late Payments Not Accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Late Payments Not Accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance {$0.00} Inaccurate Late Payment Reporting XXXX XXXX XXXX Acct : XXXX ) Date Opened : XX/XX/XXXX Incorrectly Reported as Charge-Off Requires Verification XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Collection Reported Inaccurately Requires Proof of Ownership and Validation These entries fail to meet the FCRAs accuracy, completeness, and verification standards. Under 1681i and 1681s-2 ( b ), the furnishers and credit bureaus are required to investigate and remove any data that can not be fully verified. Continuing to report unverifiable or inaccurate information constitutes willful noncompliance with federal law. 

I request that the CFPB investigate these violations and hold the furnishers and credit reporting agencies accountable for failing to maintain fair and accurate reporting. Additionally, I request that these disputed items be removed immediately unless the furnishers can provide full documentation verifying the accuracy and lawful basis for reporting. 

Please notify me in writing of the results of your investigation and any corrective actions taken. I am attaching a copy of my ID and proof of address for verification purposes. 

Thank you for your prompt attention to this matter.

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