Consumer complaint received 2025-10-24 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: ND

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate, unverifiable, and misleading information appearing on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and other applicable laws. Despite my rights as a consumer, the following items are being reported incorrectly, negatively impacting my creditworthiness : XXXX. Wrong Addresses XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX These addresses have never been associated with me. Reporting incorrect addresses constitutes a clear violation of FCRA XXXX, which requires accurate personal information. 

XXXX. Charge-Off Accounts ( Inaccurate or Unauthorized ) XXXX XXXX XXXX XXXX XXXX  High Balance : {$970.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$0.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$350.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$340.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  High Balance : {$15000.00}, Date Opened : XX/XX/XXXX I have never authorized or incurred some of these debts, and the reporting appears inaccurate or unverifiable. FCRA 611 mandates that these accounts must be investigated and corrected immediately. 

XXXX. Late Payment Accounts ( Disputed ) XXXX XXXX XXXX XXXX XXXX  High Balance : {$2600.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$380.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$110.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$90.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1000.00}, Date Opened : XX/XX/XXXX These late payments are being reported incorrectly. I request verification of the accuracy of all late payment entries and correction or removal if they can not be verified. 

XXXX. Collection Accounts ( Disputed ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$220.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$490.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX * * High Balance : {$490.00}, Date Opened : XX/XX/XXXX These accounts are being reported without proper verification. Under FCRA 611, I demand full investigation, proper validation, and removal of unverifiable accounts. 

XXXX. Hard Inquiries ( Unauthorized or Disputed ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Some of these inquiries were made without my authorization, in violation of FCRA 604, which requires permissible purposes for accessing my credit report. I demand the removal of all unauthorized inquiries.

Action Requested : Immediately investigate and correct all inaccurate, unverifiable, and unauthorized entries. 

Remove any accounts, addresses, or inquiries that can not be properly verified. 

Provide written confirmation of the investigation results and actions taken. 

Ensure my credit report reflects only accurate and legally permissible information.

This complaint is being submitted in accordance with my rights under the FCRA and CFPB protections. Failure to correct these issues may result in legal 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