Consumer complaint received 2025-11-14 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:
I am filing this formal complaint with the Consumer Financial Protection Bureau regarding multiple severe and ongoing violations of the Fair Credit Reporting Act ( FCRA ). The credit reporting agencies and certain furnishers are reporting addresses that do not belong to me, accounts I have no knowledge of, false late-payment data, and unauthorized credit inquiries. These inaccuracies are causing financial harm and must be corrected immediately.

1. WRONG / FRAUDULENT ADDRESSES ( Not Mine ) These addresses do NOT belong to me, and I have never lived at them : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting false addresses is a serious FCRA violation and exposes me to identity theft risks. I demand immediate removal of these addresses from my credit file.

2. FALSE LATE-PAYMENT REPORTING These creditors are reporting late payments that never occurred. I have never been late, and these histories are incorrect, damaging, and unlawful. 

XXXX XXXX XXXX High Balance : {$100000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3100.00} XXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXX  High Balance : {$7500.00} XXXX  : XX/XX/XXXX I demand immediate correction of these inaccurate payment histories.

3. UNKNOWN / UNAUTHORIZED CHARGE-OFF & COLLECTION ACCOUNTS The following accounts are being reported as charge-offs or derogatories, but I have NO knowledge of these accounts. These accounts are not mine, and their reporting violates FCRA 602A, 605B, and 611. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$26000.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$5300.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$28000.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$28000.00} Opened : XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$13000.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$33000.00} Opened : XX/XX/XXXXXXXX XXXX XXXX  I request immediate blocking and deletion under FCRA identity theft and mixed-file provisions .

4. UNAUTHORIZED HARD INQUIRIES I did NOT authorize these inquiries, and they must be removed immediately : 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  These inquiries were done without my knowledge or consent, violating FCRA 604.

5. DEMAND FOR IMMEDIATE ACTION Under FCRA 602, 607, 609, 611 & 623, I demand : Removal of all wrong addresses Correction of all false late-payment history Deletion of all accounts I have no knowledge of Removal of all unauthorized inquiries A written response confirming completion of all corrections Failure to comply will result in additional CFPB filings, FTC identity theft reports, and potential legal action.

Thank you for your prompt attention to these violations. I expect a full written resolution within the legally required timeframe.

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