Consumer complaint received 2025-11-24 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 because multiple credit reporting agencies and furnishers are reporting inaccurate, unverifiable, and misleading information on my consumer reports. I have attempted to resolve these issues directly, but the information continues to be reported incorrectly, which violates the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, and 611.

There are addresses listed on my credit report that do not belong to me and have never been associated with me. These addresses are : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Wrong Address These addresses are inaccurate and should not be connected to my profile. I am requesting their immediate removal. 

In addition, the following accounts are reporting inaccurate information, including charge-offs, late payments, and collection activity that I dispute as incorrect, incomplete, and unverified : XXXX XXXX XXXX XXXX Reported Late Payment XXXX XXXX XXXX XXXX XXXX Reported Late Payment XXXX XXXX XXXX XXXX XXXX Charge Off ( Unknown Account request removal ) XXXX XXXX XXXX XXXX Reported Late Payment XXXX XXXX XXXX XXXX XXXX Charge Off ( Unknown Account request removal ) XXXX XXXX XXXX XXXX XXXX  Charge Off ( Unknown Account request removal ) XXXX XXXX XXXX XXXX Reported Late Payment XXXX XXXX XXXXXXXX XXXX  Reported Late Payment XXXX XXXX XXXX XXXX XXXX  Charge Off ( Unknown Account request removal ) XXXX XXXX XXXX XXXX Charge Off ( Unknown Account request removal ) XXXX XXXX XXXX XXXX XXXX XXXX Reported Late Payment XXXX XXXX XXXX XXXX XXXX Collection ( XXXX Account request deletion ) XXXX XXXX XXXX XXXX  Collection ( Unknown Account request deletion ) I do not have knowledge of several of these collection and charge-off accounts, and the furnishers have failed to provide proper verification as required under FCRA 611 ( a ) ( 1 ) ( A ). Any account that can not be 100 % verified must be deleted.

There are also multiple inquiries showing on my credit report that I did not authorize, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not made with my consent and violate FCRA 604. I am requesting their removal as unauthorized.

I am requesting the CFPB to require the reporting agencies and furnishers to : Fully investigate and provide proper documentation proving the reported information belongs to me.

Delete any unverifiable, inaccurate, outdated, or incomplete information per FCRA 605 and 611.

Remove unauthorized inquiries from my report.

Remove all incorrect addresses connected to my consumer file.

These reporting errors are causing harm to my financial reputation, creditworthiness, and opportunities. I am asking the CFPB to ensure my rights under the FCRA are enforced.

Thank you for your time, attention, and assistance in resolving 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