Consumer complaint received 2025-12-09 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 against multiple furnishers and credit reporting agencies due to the continued reporting of inaccurate, unverified, and misleading information on my consumer credit reports. These inaccuracies are causing significant harm to my creditworthiness, and despite my good-faith attempts to resolve them, they remain unresolved. 

1. WRONG / INACCURATE ADDRESSES REPORTED The following addresses appearing on my credit reports are incorrect, unfamiliar, and not associated with me at any point : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX These addresses are not mine, and their presence indicates mixed files, identity errors, or improper data handling, violating FCRA 602 ( A ) and 607 ( B ). I am requesting immediate investigation and deletion of these inaccurate addresses from my credit file across all CRAs. 

2. COLLECTION & CHARGE-OFF ACCOUNTS NO KNOWLEDGE / UNVERIFIED The following accounts are being reported as collections or charge-offs, but I have no knowledge of these accounts, never authorized them, and have received no validation proving their legitimacy : a ) XXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXXXXXX  Status : Collection b ) XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$50.00} Status : Charge-Off c ) XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Status : Charge-Off These accounts are unknown to me and appear to be inaccurately or fraudulently reported. Under FCRA 609 ( a ), 611, and 623 ( a ) ( 3 ), furnishers must provide complete validation of these accounts ; otherwise, they must be deleted immediately. 

I am requesting that CFPB require the furnishers and CRAs to : Provide full account-level validation, including signed contracts, original billing statements, and chain of custody OR Delete these accounts permanently for failure to validate. 

3. LATE PAYMENT HISTORY FALSE & INACCURATE REPORTING The following accounts are reporting late payments, which are 100 % inaccurate. I have never made a late payment on these accounts : a ) XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} Status : Late Payment b ) XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$6700.00} Status : Late Payment This reporting is inaccurate and violates : FCRA 607 ( B ) maximum accuracy requirement FCRA 623 ( a ) ( 1 ) ( A ) furnishers must not report inaccurate information I request that CFPB direct XXXX and the CRAs to : Conduct a full reinvestigation Correct the payment history immediately Remove all inaccurate late payment marks 4. REQUEST FOR ENFORCEMENT & RESOLUTION I am requesting CFPBs assistance to ensure all furnishers and credit bureaus : Remove all wrong addresses Delete all unverified collection/charge-off accounts Correct all incorrect late payment history Provide written confirmation once the corrections are completed These errors are causing financial harm, credit denial, and emotional distress. I expect a full investigation and timely resolution in accordance with the FCRA. 

Thank you for your attention to this matter. I am requesting CFPB involvement to ensure my consumer rights are enforced.

Company response to consumer: Closed with explanation