Consumer complaint received 2025-11-07 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: NY

Complaint narrative:
I am writing to file a formal complaint against multiple credit reporting agencies and furnishers for reporting inaccurate, unverified, and misleading information on my credit report. These errors have severely affected my creditworthiness and caused unjustified financial harm. Despite my repeated attempts to dispute and resolve these inaccuracies, they continue to appear on my report. 

1. Incorrect Personal Information The following addresses are being falsely reported and have no association with me whatsoever : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Address These addresses are inaccurate and must be permanently deleted from my credit file immediately. 

2. Unverified and Fraudulent Charge-Off Accounts The following accounts are being reported as charge-offs, which I have no knowledge of and have never opened or authorized : XXXX High Balance : {$14000.00} | Date Opened : XX/XX/XXXX XXXX High Balance : {$5800.00} | Date Opened : XX/XX/XXXX XXXX XXXX High Balance : {$3800.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX High Balance : {$12000.00} | Date Opened : XX/XX/XXXX XXXX  XXXX XXXX High Balance : {$230.00} | Date Opened : XX/XX/XXXX XXXX  XXXX XXXX High Balance : {$640.00} | Date Opened : XX/XX/XXXX I have no knowledge or association with these accounts, and no valid proof of ownership or signed agreement has been provided to me. Reporting unverified accounts constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, and 609, as well as a failure to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. 

I am demanding a full investigation into these accounts and their immediate deletion if the furnishers can not provide documented evidence ( including signed applications or valid contracts ) proving that I am responsible for these debts. 

XXXX. Inaccurate Late Payment Reporting The following accounts are being reported with late payment history, which is false and damaging : XXXX XXXX High Balance : {$1800.00} | Date Opened : XX/XX/XXXX XXXX High XXXX : {$580.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00} | Date Opened : XX/XX/XXXX I have never made any late payments on these accounts. These inaccuracies must be corrected immediately to reflect an accurate payment history, in compliance with FCRA Section 611. 

4. Unverified Hard Inquiries Additionally, my report contains multiple unauthorized inquiries that I did not initiate or approve : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( listed twice ) Under FCRA Section 604, no person or entity may access my credit file without my express written permission or a permissible purpose. These inquiries appear to have been made without authorization and must be investigated and removed. 

Requested Action I am requesting that the CFPB : Conduct a thorough investigation into the furnishers and credit reporting agencies responsible for these inaccuracies. 

Ensure the immediate deletion of all unverified charge-off accounts, false addresses, and unauthorized inquiries. 

Require correction of all accounts inaccurately reported with late payments. 

Compel the furnishers to provide documentation proving my liability for any account they continue to report. 

I expect a full investigation and written confirmation of the actions taken within the 30-day period required by law. Failure to correct or verify these items will result in further legal action and potential escalation to additional federal authorities. 

Thank you for your prompt attention to this serious matter.

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