Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies and unauthorized information appearing on my credit reports. Despite my efforts to dispute these issues directly with the credit bureaus and creditors, the false and damaging information remains uncorrected. I am requesting your offices assistance to ensure full compliance with the Fair Credit Reporting Act ( FCRA ) and immediate correction or removal of the inaccurate data listed below. 

1. Wrong Address Reporting The following addresses are being inaccurately reported under my credit file. I have never resided at, nor have any association with these addresses : XXXX XXXXXXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX These addresses are completely wrong and must be deleted immediately from my credit profile, as they misrepresent my identity and create confusion in my report. 

2. Accounts Reported as Charge Off ( Unauthorized and Unknown Accounts ) The following accounts have been reported as Charge Off. I have no knowledge or relationship with these accounts, and I never authorized or opened them. These accounts are fraudulent, inaccurate, and must be permanently deleted from all credit bureau reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no prior dealings or contracts with these entities, and therefore these accounts are unauthorized and incorrect. They must be deleted immediately in compliance with FCRA 602 and 623, which mandate accurate reporting of consumer information. 

3. Accounts Reported with Late Payments ( Incorrect History ) The following accounts are inaccurately reported with late payments : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX I have never made a late payment on any account. These late payment entries are false and must be corrected to reflect an accurate, on-time payment history as required under FCRA 611 ( a ) ( 1 ) ( A ). 

4. Unauthorized Credit Inquiry XXXX XXXX Inquiry dated XX/XX/XXXX This inquiry was made without my authorization or consent. Under FCRA 604 ( a ), no inquiry may be made on my report without a permissible purpose. I request this inquiry be investigated and removed immediately. 

In Summary : I am requesting a full and thorough investigation into all the above inaccuracies. I expect these errors to be corrected and/or deleted from all credit reports held by Experian, XXXX  and XXXX. I am providing this complaint to ensure my consumer rights under the FCRA are fully enforced and protected. 

Please confirm receipt of this complaint and provide updates on the actions taken to correct these serious reporting violations.

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