Consumer complaint received 2025-11-15 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 formal complaint because the credit reporting agencies and certain furnishers are reporting multiple inaccurate, unauthorized, and unverified items on my consumer report, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These items are causing serious and ongoing harm, including credit denials, loss of financial opportunities, and emotional distress. I have attempted to resolve these issues directly with the credit bureaus, but they have failed to properly investigate or correct the errors, which is a violation of FCRA 611 and FCRA 607 ( b ).

Below are the specific items that are inaccurate and require immediate CFPB review.

1. WRONG / UNAUTHORIZED ADDRESSES ( NOT MINE ) These addresses are not associated with me, have never been my residence, and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ADDRESS These unauthorized addresses indicate possible identity misuse, and their continued reporting violates FCRA 602 ( a ) and 607 ( b ).

2. INACCURATE LATE PAYMENT REPORTING XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$40000.00} Date Opened : XX/XX/XXXX Status Reported : Late Payment This late payment reporting is false and inaccurate. 
I have never made a late payment on this account. Under FCRA 607 ( b ), furnishers must maintain maximum possible accuracy, and reporting incorrect payment history is a violation. 

I request full correction and removal of any false late payment history. 

3. COLLECTION & CHARGE-OFF ACCOUNTS NOT MINE / NO KNOWLEDGE I have no knowledge of the following accounts. These accounts are unauthorized, unverified, and appear to be the result of identity misuse. Under FCRA 611, items that can not be verified must be deleted. 

XXXX XXXX XXXX Account Ending XXXXXXXX XXXX XXXX High Balance : {$230.00} Date Opened : XX/XX/XXXX Status : Collection Not mine. I have no knowledge of this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Status : Collection Not mine. I have no knowledge of this account. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$770.00} Date Opened : XX/XX/XXXX Status : Collection Not mine. I have no knowledge of this account. 

These accounts must be deleted in full if the furnishers can not provide complete, documented proof of my authorization and liability which they have failed to do. 

XXXX. UNAUTHORIZED HARD INQUIRIES NOT MINE XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me and constitute unauthorized access to my credit file under FCRA 604 ( a ).

I request immediate removal of these hard inquiries.

REQUEST FOR CFPB ACTION I respectfully request that the CFPB : Force the credit bureaus and furnishers to conduct a lawful, complete, and documented investigation, not automated matching. 

Require deletion of any item that can not be fully verified with original documentation. 

Hold the furnishers accountable for knowingly reporting inaccurate information. 

Require the agencies to provide me with written confirmation of every correction and deletion. 

These inaccuracies are causing ongoing harm, and I need CFPB intervention to ensure compliance with federal law. 

Thank you for your assistance in this urgent 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