Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
I am filing this complaint against the credit reporting agencies and the furnishers of information listed below for multiple and repeated violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and related consumer protection laws. The following inaccurate and unverifiable accounts, addresses, and inquiries are being reported on my credit file, which are damaging my creditworthiness and causing me ongoing financial harm. 

Inaccurate Personal Information XXXX XXXX, XXXX XXXX, XXXX  XXXX Wrong Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX Wrong Address These addresses are not and have never been associated with me. Reporting them is a violation of FCRA 605 ( b ), which requires accurate personal identifiers. 

Erroneous Accounts / Late Payments/ Charge-Offs/ Collections XXXX  XXXX * High Balance {$10000.00}, Date Opened : XX/XX/XXXX Late Payment ( Not mine/ inaccurate ) XXXX XXXX XXXXXXXX XXXX High Balance {$230000.00}, Date Opened : XX/XX/XXXX Late Payment ( Inaccurate ) XXXX XXXX XXXX High Balance {$4800.00}, Date Opened : XX/XX/XXXX Charge-Off ( Unverified ) XXXX XXXX  XXXXXXXX XXXX  High Balance {$5600.00}, Date Opened : XX/XX/XXXX Charge-Off ( Inaccurate ) XXXX  XXXX XXXX  XXXXXXXX XXXX  High Balance {$35000.00}, Date Opened : XX/XX/XXXX Late Payment ( Inaccurate ) XXXX XXXX XXXX  XXXXXXXX XXXX High Balance {$49000.00}, Date Opened : XX/XX/XXXX Late Payment ( Unverified ) XXXX XXXX XXXX XXXX XXXX High Balance {$39000.00}, Date Opened : XX/XX/XXXX Late Payment ( Unverified ) XXXX XXXXXXXX XXXX High Balance {$4100.00}, Date Opened : XX/XX/XXXX Late Payment ( Duplicate / Inaccurate ) XXXX XXXX XXXXXXXX XXXX  High Balance {$2900.00}, Date Opened : XX/XX/XXXX Collection ( Not mine / Unverified ) XXXX XXXX XXXX * High Balance {$2700.00}, Date Opened : XX/XX/XXXX Collection ( Not mine / Unverified ) XXXX XXXX XXXXXXXX XXXX High Balance {$2800.00}, Date Opened : XX/XX/XXXX Collection ( Not mine / Unverified ) These accounts contain inaccurate late payments, unverifiable charge-offs, and duplicate collection entries. The continued reporting of unverifiable information violates FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 611 ( failure to properly investigate ). 

Unverified Inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized Inquiry This inquiry was not authorized by me. Under FCRA 604 ( a ), no consumer report may be obtained without a permissible purpose.

Requested Resolution Immediate deletion of the above-listed wrong addresses, unverifiable accounts, and unauthorized inquiries from my credit report. 

A full investigation by the CFPB into the furnishers and credit reporting agencies for failure to maintain accuracy and failure to verify disputed information. 

Written confirmation that these corrections have been made in compliance with the FCRA. 

I have already disputed these items with the credit reporting agencies, and they have failed to provide verification as required under the FCRA. The continued reporting of inaccurate and unverified information is a violation of federal law and is causing me significant harm.

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