Consumer complaint received 2025-12-02 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: MI

Complaint narrative:
I am submitting this complaint regarding numerous inaccuracies on my credit report. I have no knowledge of some accounts listed, and other entries reflect false information, including charge-offs, late payments, and incorrect addresses. These reporting errors violate the Fair Credit Reporting Act ( FCRA ) Sections 1681i, 1681e ( b ), 1681k, and 15 U.S.C. 1692 applicable to accurate reporting. 

XXXX XXXX XXXX XXXX, MI XXXX This is not and has never been my address. The continued reporting of an address I have no connection to violates XXXX ( b ) because it shows a failure to maintain accurate identifying information. I am requesting the permanent deletion of this address from my file. 

XXXX XXXX XXXX XXXX XXXX, TX I have no relationship or residency connection with this address and its appearance on my file shows inaccurate identity information. This violates 1681e ( b ), and you must delete it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Late Payment The late payment history being reported is inaccurate. I have never made a late payment on this account, and under 1681e ( b ) and 1681i you can not continue publishing an incorrect delinquency without documentation proving it. Correct the reporting to reflect a perfect payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This late payment reporting is also inaccurate. I have never made any late payment and this information has no factual support. The bureau must correct the payment history to show no late payments under 1681e ( b ) and 1681i. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Charge off I have no knowledge of this account and no connection to the alleged charge-off. Reporting a charge-off with no verifiable creditor documentation violates 1681e ( b ) and 1681i. This account must be deleted entirely. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and had no permissible purpose. Remove it under 1681b. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and violates 1681b because I never gave permission. Delete it. 

XXXX XXXX  XX/XX/XXXX This inquiry lacks permissible purpose and I did not consent to it. Remove it under 1681b. 

XXXX  XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized. You must delete it under 1681b because the furnisher can not prove permissible purpose. 

XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. Delete it under 1681b. 

I request that CFPB direct a thorough investigation and corrective action for each item listed below. I request CFPB to ensure all disputed items are properly reinvestigated and that all inaccurate information, including charge-offs, late payments, and addresses, are corrected or removed from my credit report. Continued reporting of these errors constitutes violations of the FCRA, and I insist on immediate remedial action.

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