Consumer complaint received 2025-12-16 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 submitting this formal complaint regarding multiple serious inaccuracies appearing on my consumer credit reports. Despite my rights under the Fair Credit Reporting Act ( FCRA ), inaccurate and unverified information continues to be reported, causing my credit file to be unreliable and misleading. 

Below are the specific issues that require immediate investigation and correction. 

1. Wrong Addresses Not Mine The following addresses are not mine, I have no knowledge of them, and they do not belong to my credit history. Their presence indicates inaccurate file matching and must be deleted immediately : XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX 2. Charge-Off / Collection Accounts No Knowledge of These Accounts The following accounts are being reported as charge-offs or collections. I do not recognize these accounts, have no knowledge of any obligation, and dispute ownership entirely. These accounts must be fully investigated and deleted or corrected if they can not be properly verified : XXXX XXXX Account XXXX XXXX XXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXX Status : Charge Off XXXX XXXX XXXX Account XXXX XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Status : Collection 3. Late Payment Reporting Inaccurate Account History The following accounts are reporting late payments inaccurately. The payment history shown is wrong, as I have never made late payments as reported. These entries are materially inaccurate and must be corrected to reflect accurate payment history or removed if unverifiable : DEPTEDNELNET Account XXXX XXXX XXXX High Balance : {$4600.00} Opened XX/XX/XXXX DEPTEDNELNET Account XXXX XXXX XXXX High Balance : {$4500.00} Opened XX/XX/XXXX DEPTEDNELNET Account XXXX XXXX XXXX High Balance : {$4500.00} Opened XX/XX/XXXX DEPTEDNELNET Account XXXX XXXX XXXX  High Balance : {$2700.00} Opened XX/XX/XXXX DEPTEDNELNET Account XXXX XXXX XXXX High Balance : {$3500.00} Opened XX/XX/XXXX DEPTEDNELNET Account XXXX XXXX XXXX High Balance : {$6000.00} Opened XX/XX/XXXX DEPTEDNELNET Account XXXX XXXX XXXX  High Balance : {$3600.00} Opened XX/XX/XXXX 4. Unauthorized Credit Inquiries The following inquiries were made without my authorization or permissible purpose. They must be investigated and removed if proper authorization can not be produced : XXXX XXXX Inquiry dated XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry dated XX/XX/XXXX Request for CFPB Action I respectfully request that the CFPB : Require the credit reporting agencies and furnishers to conduct a lawful and thorough reinvestigation. 

Ensure deletion of all inaccurate addresses. 

Ensure deletion or correction of accounts that are not mine or inaccurately reported. 

Require documentation proving ownership, payment history accuracy, and inquiry authorization. 

Enforce compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

If the disputed information can not be fully verified with competent evidence, it must be removed from my credit reports. 

Thank you for your attention to this 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