Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is an official complaint regarding multiple inaccurate, unverified, unauthorized, and unlawfully reported items appearing on my credit report. I am filing this complaint because the credit bureaus and creditors listed below have repeatedly failed to comply with the Fair Credit Reporting Act ( FCRA ), including 15 USC 1681e ( b ), 1681i, and 1681b. I am demanding a full investigation, enforcement action, and correction of all inaccurate items listed below, including false late payments, unauthorized inquiries, and unverified accounts. These items are harming me financially and are being reported without proper verification, documentation, or permissible purpose. I am requesting immediate CFPB intervention. 
Wrong addresses remove immediately XXXX XXXX XXXX, XXXX, il XXXX wrong address I have no connection to this address. This is another false, unauthorized, and unverified address on my report, which indicates improper matching of files. FCRA requires extremely high accuracy standards, and this is a clear violation. Delete this address immediately. 
Accounts with false, unverified, unauthorized, or incorrect information XXXX XXXX XXXX XXXX XXXX High balance : {$710.00} Date opened : XX/XX/XXXX Status : charge off I have no knowledge of this account. This is not mine. I never applied for it, never approved it, never signed for this debt, and this account can not be verified to belong to me. Under FCRA 1681i, you must delete any account that can not be verified with full documentation, including original application and signature. Delete this immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX High balance : {$1000.00} Date opened : XX/XX/XXXXXXXX  Status : late payment The late payment reporting is false. I never made any late payments on this account. You are reporting wrong payment history and damaging my credit profile without any verified records. FCRA requires accurate payment reporting. Fix this by correcting the payment history to paid as agreed or on-time, as the current reporting is wrong and unverified. 
XXXXXXXX XXXX XXXX XXXX XXXX High balance : {$280.00} Date opened : XX/XX/XXXXXXXX  Status : late payment The reported late payment is wrong and unlawful. I made on-time payments and never received any notice of delinquency. If the report can not be verified with full payment history documents, you must correct it. Fix the payment history to reflect on-time payments. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High balance : {$680.00} Date opened : XX/XX/XXXXXXXX  Status : late payment The late payment information is false. I never made any late payment on this account. You are required by law to report only accurate and verified information. This report is incorrect, misleading, and violating FCRA 1681e ( b ). Correct the history immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX High balance : {$780.00} Date opened : XX/XX/XXXXXXXX  Status : late payment The payment history you are reporting is incorrect. I did not make a late payment and there is no verified proof of delinquency. Until you can provide validated records, you must correct it to paid as agreed. Fix this now. 
XXXXXXXX XXXX XXXX XXXX XXXX High balance : {$800.00} Date opened : XX/XX/XXXXXXXX  Status : late payment The late payment reporting is completely wrong. I never made a late payment and this negative mark is damaging my credit. You have no legal right to report unverified information. Fix by correcting the history immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High balance : {$0.00} Date opened : XX/XX/XXXXXXXX  Status : charge off I do not recognize this account. I never opened this account, never signed any contract, and never had any relationship with this creditor. This account must be removed immediately as it is unverified and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High balance : {$520.00} Date opened : XX/XX/XXXX Status : late payment The late payment reporting is false and not supported by any verified records. You must correct the payment history and remove the wrong negative information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High balance : {$17000.00} Date opened : XX/XX/XXXXXXXX  Status : late payment The late payment you are reporting is wrong. I have no verified record of being late and this appears to be a reporting error. You must validate with complete statements and transaction records. Until verified, you must correct the entry and remove the negative reporting as required by FCRA. 
Hard inquiries unauthorized / unverified / must be removed XXXX XXXX Inquiry date : XX/XX/XXXX I never authorized this hard inquiry. This is an improper pull of my credit file and violates FCRA 1681b. Remove this inquiry from my credit report immediately. 
Requested action from CFPB I am requesting that the CFPB fully investigate all creditors and credit bureaus involved, require them to provide verified and legally valid documentation, and enforce immediate correction of all false late payments, unverified accounts, and unauthorized inquiries. If creditors can not produce original proof of late payments or proof of my consent for inquiries, they must be required to correct or delete the information as required by federal law. These errors are causing financial harm, affecting my creditworthiness, and violating my FCRA rights. I request the CFPB to intervene and enforce compliance.

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