Consumer complaint received 2025-12-15 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: SC

Complaint narrative:
I am submitting this formal complaint to report serious inaccuracies and non-compliant credit reporting practices appearing on my consumer credit reports. Despite my rights under the Fair Credit Reporting Act ( FCRA ), these items continue to be reported without proper verification or correction.

1. Wrong Address Not Mine The following address is listed on my credit report. I have no knowledge of this address, and it is not associated with me in any capacity. Reporting incorrect personal information violates the requirement to maintain maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXXXXXX I am requesting immediate deletion of this address from my credit file.

2. Charge-Off Accounts No Knowledge / Not Mine The following accounts are being reported as charge-offs. I have no knowledge of these accounts, and I do not recognize them as mine. These items are being reported without valid proof of ownership, authorization, or contractual obligation. 

XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$240.00} | Status : Charge Off XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$550.00} | Status : Charge Off XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$810.00} | Status : Charge Off XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$180.00} | Status : Charge Off XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$500.00} | Status : Charge Off XXXX / XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$1200.00} | Status : Charge Off These furnishers must be required to provide competent evidence, including a signed agreement or application, proving the account belongs to me. If such documentation can not be produced, these accounts must be deleted or corrected. 

3. Collection Account No Knowledge XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$450.00} | Status : Collection I have no knowledge of this collection account and dispute ownership entirely. Reporting an unverified collection violates FCRA accuracy and investigation requirements. I am requesting full investigation and deletion if unverifiable.

4. Unauthorized Credit Inquiries No Permissible Purpose The following inquiries appear on my credit report. I did not authorize these entities to access my credit, nor am I aware of any permissible purpose under FCRA 604. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting that these inquiries be removed unless the furnishers can prove a valid, permissible purpose for accessing my credit report.

Request for CFPB Assistance I respectfully request that the CFPB require the credit reporting agencies and furnishers involved to : Conduct a lawful and complete reinvestigation Provide documented proof for any item they claim is accurate Delete or correct all information that can not be verified Remove all unauthorized inquiries Ensure my credit file reflects maximum possible accuracy, as required by law Thank you for your assistance in enforcing compliance with the Fair Credit Reporting Act.

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