Consumer complaint received 2025-09-18 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 against the credit reporting agencies and furnishers for their repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and related consumer protection laws. Despite multiple disputes and requests for correction, my credit reports continue to contain false, misleading, and unverified information that has severely damaged my creditworthiness, financial opportunities, and peace of mind. 

Inaccurate and Harmful Accounts/Items in Question : Wrong Personal Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Incorrect Address These addresses are not connected to me, yet they remain reported. The reporting of false addresses is a clear violation of FCRA 607 ( b ), which requires maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Accounts opened on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all with {$0.00} balance but marked with Late Payments. 
Reporting late payments on {$0.00} balance accounts is factually inaccurate and violates FCRA 602 ( A ) and FCRA 623 ( a ) ( 1 ) ( A ) ( furnisher responsibility ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$130.00} Late Payment XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$10.00} Late Payment Both accounts reflect unverified and inconsistent late payment reporting in violation of FCRA 611 ( failure to reasonably investigate ). 

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$500.00} Marked as Charge-Off This tradeline is reported inaccurately and without proper verification. A charge-off status requires strict accounting compliance and validation, which XXXX XXXX has failed to provide. This is a violation of FCRA 623 ( b ) and 12 CFR 1022.42. 

Hard Inquiries ( Without Proper Authorization ) : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not properly authorized. Reporting unauthorized or unverifiable hard inquiries is a violation of FCRA 604 ( a ).

Legal Violations Committed : FCRA 602 ( A ) : Credit reporting must be fair and accurate.

FCRA 607 ( b ) : CRAs must ensure maximum possible accuracy.

FCRA 611 : Failure to properly reinvestigate disputed items.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

FCRA 604 ( a ) : Restricts access to consumer reports to permissible purposes only.

Harm Caused : Lowered credit score due to false late payments and charge-off.

Denial of credit opportunities and higher interest rates.

Emotional distress, financial strain, and reputational harm.

Requested Relief : Immediate removal of all incorrect addresses. 

Deletion of all late payments reported on {$0.00} balance XXXX XXXX accounts. 

Removal or correction of XXXX XXXX and XXXX XXXX inaccurate reporting. 

Deletion of unauthorized inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ). 

Enforcement of compliance measures to ensure furnishers and CRAs adhere strictly to the FCRA.

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