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 filing this formal complaint against multiple creditors and credit reporting agencies for reporting inaccurate and unverifiable information on my credit report. Despite my attempts to correct these issues, the inaccurate information continues to appear, negatively impacting my creditworthiness. 

Below are the specific inaccuracies I am disputing : Address Error : XXXX XXXX XXXX XXXX XXXX, SC XXXX This address is incorrect and does not belong to me. I have no association or residence history at this address, and it must be removed from my credit profile immediately. 

XXXX BANK XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX High Balance : {$2600.00} This account is reporting late payments, which is inaccurate. I have never made any late payments to this creditor. The reported payment history is false and misleading. I am requesting that the inaccurate late payment notations be immediately corrected to show a perfect payment history. 

XXXX XXXXXXXX XXXX  XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX High Balance : {$37000.00} This account is also reporting late payments, which is incorrect. I have never been late on this account, and the reporting is damaging my credit unfairly. I am demanding that the creditor and the bureaus update this account to reflect accurate, on-time payment history. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX High Balance : {$3400.00} This account is being reported as a charge-off, which I have no knowledge of. I do not recognize this account and have no record of ever opening or maintaining an account with this creditor. I am requesting immediate investigation and deletion of this account from all credit reports if the furnisher can not provide full documentation verifying my legal responsibility for this debt. 

These reporting errors violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of disputed information ) and 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information ). Credit reporting agencies and creditors have a legal duty to report accurate information and to promptly remove or correct unverifiable or false data. 

I respectfully request the CFPB to : Investigate these reporting inaccuracies ; Require the creditors and credit bureaus to provide documentation verifying each disputed account ; Ensure the immediate correction or deletion of all inaccurate information ; and Provide me with a written response outlining the actions taken. 

I am attaching a copy of my government-issued ID, proof of address, and a copy of my credit report highlighting the disputed items for reference. 

Thank you for your time and attention to this matter. I trust the CFPB will take swift action to ensure compliance with federal law and protect my consumer rights.

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