Consumer complaint received 2025-11-01 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: SC

Complaint narrative:
I am submitting this formal complaint to request a full investigation into multiple inaccuracies being reported on my consumer credit file by various furnishers. These accounts contain false, misleading, or unverifiable information, in violation of the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, and 611.

Below is a list of the inaccurate and disputed items currently appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address This address is incorrect and does not belong to me. I request immediate removal from my credit profile. 

XXXX XXXX XXXX  Late Payment Reported The payment history is inaccurate. I have never made any late payments on this account, and I request full correction of the reporting to reflect an on-time payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Reported This reporting is factually wrong. I have not been late, and the payment record should be updated to show all payments made on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Reported The reported delinquency is inaccurate. I have no record of late payments, and the creditor must verify this claim with full documentation or immediately correct it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Reported I have no knowledge of this alleged account or any charge-off balance associated with it. This account is unverified and should be deleted from all credit reports if the furnisher can not provide legally valid proof of ownership and authorization. 

XXXX XXXX XXXXXXXX Charge Off Reported I have no knowledge of this account or any charge-off with this company. This entry must be deleted immediately unless complete verification, including signed documentation, is produced. 

XXXX XXXX XXXX Late Payment Reported The reported late payment is inaccurate. I have never been late with this account, and I request full correction of this account history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Reported I have no knowledge of this alleged charge-off, and the information is false and unverified. This account must be deleted from my report unless valid documentation proving the debt is produced.

These inaccurate entries are causing substantial harm to my credit reputation, lowering my credit score, and affecting my ability to obtain housing and financial services. Each furnisher has a legal obligation under the FCRA ( 15 U.S.C. 1681s-2 ) to report accurate, verified information and to promptly correct or delete any item found to be incorrect or unverified.

I respectfully request the CFPB to investigate these matters and hold the furnishers and credit reporting agencies accountable for failing to maintain accurate consumer data.

Please confirm receipt of this complaint and provide updates as the investigation proceeds.

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