Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against the credit reporting agencies for failing to maintain accurate information in my credit file and for continuing to report unverifiable and false data. The following items have been inaccurately reported, causing severe damage to my credit score, reputation, and ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS These addresses do not belong to me, and I have never lived, received mail, or been associated with them. Reporting false addresses is a violation of FCRA 605 ( b ) and 607 ( b ), which require accuracy and consumer identity protection. Please remove these addresses immediately from my credit file. 
XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Credit : {$500.00} | Issue : Late Payment I have no record of ever being late with this creditor. Reporting inaccurate late payment information violates FCRA 607 ( b ), which mandates maximum possible accuracy. Please correct the payment history to reflect an on-time payment record. 
XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX | High Credit : {$400.00} | Issue : Charge Off I do not recognize this account as mine, and I have never had any charge-off with XXXX XXXX . Under FCRA 611 ( a ), I request full verification of this debt, including original contract and signed documentation. If verification can not be provided, this account must be deleted immediately under FCRA 611 ( a ) ( 5 ). 
XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} | Issue : Charge Off I have no knowledge of any account with XXXX XXXX. Reporting unverified information constitutes willful negligence under FCRA 616. Please delete this account from my credit report immediately for lack of verifiable proof. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} | Issue : Charge Off I never opened any account with this company, nor did I authorize any credit line. This is clearly an error or possible identity mix-up. Under FCRA 602 ( A ) and 611, I am demanding deletion due to unverifiable and inaccurate reporting. 
XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} | Issue : Charge Off This entry is completely unfamiliar to me. I have never applied for nor received financing from XXXX XXXX XXXX. Reporting such an account without proper verification violates FCRA 609 ( a ) and 611. Please remove it immediately. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Credit : {$0.00} | Issue : Charge Off I do not have any outstanding or charged-off account with XXXX. If you can not produce an original contract and billing records with my verified signature, this must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Unpaid Balance : {$1300.00} | Issue : Collection I have no knowledge of this collection or any account with this company. This appears to be erroneous reporting. Under FDCPA 809 ( b ) and FCRA 611, please delete this entry unless full validation is provided. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Unpaid Balance : {$1200.00} | Issue : Collection I have never entered into any agreement with XXXX XXXX XXXX. Reporting unverified collections violates FCRA 623 ( a ) ( 1 ) ( A ). Please delete immediately unless verified with original documentation. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Unpaid Balance : {$630.00} | Issue : Collection This account is being duplicated and inaccurately reported. FCRA 611 ( a ) ( 1 ) ( A ) gives me the right to dispute duplicate or unverifiable items. Please remove this entry immediately. 
XXXX XXXX Date Opened : XX/XX/XXXX | Unpaid Balance : {$230.00} | Issue : Collection I do not recognize this debt nor have I received any notice of collection from this company. This is a clear violation of FCRA 607 ( b ) and FDCPA 809 ( a ). I am demanding immediate deletion due to lack of verification. 

These inaccuracies have caused me significant emotional and financial harm. I have already disputed these items with the credit bureaus directly, but they failed to properly investigate or provide proof of verification as required under FCRA 611 ( a ) ( 2 ) ( B ). Therefore, I am escalating this issue to the Consumer Financial Protection Bureau for review and enforcement action.

I request that the CFPB require the credit reporting agencies and furnishers involved to : 1. Conduct a proper reinvestigation of all listed items.

2. Provide complete verification documents for each account or delete unverifiable ones.

3. Remove all incorrect addresses associated with my profile.

4. Provide me with written confirmation once the inaccuracies have been corrected. Thank you for your attention and assistance in ensuring the enforcement of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA )
.

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