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: MI

Complaint narrative:
I am filing this complaint because my consumer report contains several inaccurate and unverified items that are harming my credit, creating financial hardship, and do not meet federal accuracy requirements. I am requesting a full reinvestigation so that only verified and correct information remains on my file. 

ADDRESS XXXX XXXX XXXX XXXX XXXX, MI XXXX I have never lived at or used this address. Its appearance shows inaccurate reporting and failure to ensure proper identity verification. This must be deleted immediately. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have no connection to this location. This incorrect address violates the legal requirement to report only accurate, verified information. It must be removed. 

ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX, MI XXXX I have never used or been associated with this address. Reporting unverified locations goes against federal accuracy standards. This address must be deleted. 

XXXX XXXX XXXX XXXXXXXX Collection Date Opened : XX/XX/XXXX Balance : {$1900.00} I do not recognize or acknowledge this alleged debt. I have never been contacted or provided with any proof that ties this account to me. Without original documentation and lawful validation, this account can not be verified and must be removed. 

XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance : {$0.00} I have no knowledge of this account. I have never opened anything with XXXX. Since no authenticated documentation exists linking this account to me, it must be deleted. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} I do not recognize this XXXX  XXXX  or any account with XXXX XXXX  connected to this number. Because it can not be legally verified through proper documentation, this account must be removed. 

XXXX XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance : {$1100.00} I have never opened or used any XXXX  account. This item is inaccurate and can not be supported with legitimate proof, so it must be deleted from my file. 

XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance : {$3300.00} I do not recognize or acknowledge this account. No documentation exists proving that I opened it. Because it is unverified, it must be removed. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance : {$160.00} I have no knowledge of this account and do not recognize this debt. Without lawful verification and authenticated records, this entry can not remain and must be deleted. 

XXXX XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance : {$1700.00} I am not associated with this account. I have never opened or used any XXXX account with this number. This unverified and inaccurate information must be removed. 

XXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance : {$1300.00} I do not recognize this account. There is no documentation proving it belongs to me. This item must be deleted as it is inaccurate and unverifiable. 

XXXX XXXX XXXXXXXX XXXX Chargeoff Date Opened : XX/XX/XXXX Balance : {$790.00} I have never opened or authorized this account. Since no legal proof exists connecting this item to me, it must be removed. 

I request a full and lawful reinvestigation of each item and correction or deletion of all inaccurate information so my file reflects only verified and accurate data.

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