Consumer complaint received 2025-10-01 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:
Dear CFPB Representative, I am submitting this formal complaint against the credit reporting agencies and the following furnishers of information for reporting inaccurate and unauthorized information on my credit report. These items are damaging my creditworthiness, and despite my disputes, they remain uncorrected. 
Wrong Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no connection to this address. Its presence on my report suggests inaccurate recordkeeping or possible mixed files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This is a completely wrong address. I demand its immediate deletion under FCRA requirements for accuracy and maximum possible completeness. 
Accounts with Wrong Payment History XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$37000.00} Reported : XXXX XXXX XXXX XXXX  I strongly dispute the reporting of late payments on this account. I have never missed payments with this creditor, and the derogatory status is incorrect. This misreporting severely impacts my creditworthiness and violates the requirement of accuracy under FCRA 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Reported : XXXX XXXX XXXX XXXX I dispute the late payment history. I consistently made payments on time, and this reporting is factually inaccurate. I demand correction to reflect a positive and accurate history. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$230.00} Reported : XXXX XXXX XXXX XXXX This is a wrongful late payment entry. I have no record of being late, and such negative reporting is false. I request full verification or immediate removal. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$38000.00} Reported XXXX XXXX XXXX XXXX XXXX The alleged late payment status is incorrect. I demand strict proof of any missed payments, otherwise this must be corrected to show my proper payment history. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported : XXXX XXXX XXXX XXXX It is impossible and illogical for a {$0.00} balance account to have late payments reported. This is a serious reporting error and must be deleted immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2900.00} Reported : XXXX XXXX XXXX XXXX I have no knowledge of this alleged charge-off. This entry is inaccurate and unverifiable. Unless you can provide concrete documentation with my signed contract and payment history, this account must be deleted. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2700.00} Reported : XXXX XXXX XXXX XXXX I dispute this charge-off account. I have no knowledge of this debt and never authorized or signed any agreement related to this creditor. Without original documentation, this account is unverifiable and must be deleted. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reported : XXXXXXXX XXXX XXXX This account does not belong to me. I dispute its accuracy and demand verification with proper evidence. If unverifiable, it must be permanently removed. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} Reported : XXXX XXXX XXXX I have no knowledge of this account. This reporting is misleading and harmful. Without a valid signed agreement and full payment history, it is legally required to be deleted. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Reported : XXXX XXXX XXXX This is a duplicate/false collection entry. It does not belong to me and is unverifiable. I demand immediate deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} Reported : XXXX XXXX XXXX I dispute this account in its entirety. I have never conducted business with XXXX XXXX and do not acknowledge this debt. This appears to be a mixed file or identity issue. 
XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Reported : XXXX XXXX XXXX  This is a duplicate account of the earlier XXXX entry listed above. Duplicate collections are illegal and misleading. It must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} Reported : XXXX XXXX XXXX  This alleged collection is false. I dispute its accuracy and demand original proof. Without signed documentation, this account can not remain on my file. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$800.00} Reported : XXXX XXXX XXXX I have no knowledge of this debt. I never received proper validation notices. This reporting is inaccurate and must be removed if not proven. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Reported : XXXX XXXX XXXX XXXX I have no knowledge of this account. I never signed or agreed to this debt. Without original documentation and proof of ownership, this charge-off is unverifiable and must be deleted. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$5100.00} Reported : XXXX XXXX XXXX XXXX I dispute this charge-off. I never authorized or signed for this account. This reporting is harmful and inaccurate. Strict proof must be provided, otherwise it must be deleted. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported : XXXX XXXX XXXX XXXX It is impossible for a {$0.00} balance account to be reported as a charge-off. This is a clear violation of FCRA accuracy requirements. It must be removed immediately. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported : XXXX XXXX XXXX XXXX  This reporting is false. A {$0.00} balance account can not logically be listed as a charge-off. This is an inaccuracy that must be corrected or deleted. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Reported : XXXX XXXX XXXX XXXX I dispute this charge-off. I never authorized this account and have no record of owing this balance. Verification is required, or it must be removed. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported : XXXX XXXX XXXX XXXX  This is incorrect reporting. A {$0.00} balance can not carry late payments. This error must be deleted from my file. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Reported : XXXX XXXX XXXX XXXX I dispute this charge-off in its entirety. I have no knowledge of this debt, and it is being reported in error. Without original evidence, it must be deleted. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} Reported : XXXXXXXX XXXX XXXX  I dispute this collection account in its entirety. I have no knowledge of this debt, and I never received any validation. Without original proof of contract, payment history, and legal ownership of this debt, it can not be reported. This must be deleted immediately if unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2200.00} Reported : XXXX XXXX XXXX I dispute this account as well. I have no record of this debt and do not acknowledge owing it. This appears to be inaccurate or possibly a mixed file. I demand strict verification or permanent deletion. 
Unauthorized Inquiries XXXX  Date : XX/XX/XXXX Inquiry I never authorized this inquiry. This is an unauthorized credit pull, which violates my rights under FCRA. It must be removed immediately.

Requested Action I respectfully request that the CFPB : 1. Investigate these inaccurate and unauthorized items.

2. Require the credit bureaus and furnishers to provide full validation with proper documentation.

3. Delete any account or inquiry that can not be verified with original, signed, and legal evidence.

4. Ensure that my credit report is updated to reflect only accurate and authorized information. 
Thank you for your time and assistance. I trust the CFPB will hold the responsible parties accountable and protect my rights under federal law.

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