Consumer complaint received 2025-09-21 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 multiple inaccurate and misleading items being reported on my credit file in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These errors are severely damaging my credit profile and must be addressed immediately. 

XXXX. Incorrect Addresses Reported The following addresses are being wrongfully reported on my credit file. I have never lived at these addresses, and they must be removed immediately as they are inaccurate and misleading : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, MI XXXX Wrong Address XXXX. Inaccurate Charge-Off Accounts The following accounts are inaccurately reported as charge-offs. I dispute their accuracy, balances, and reporting dates. These items must be thoroughly investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$430.00}, Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$590.00}, Opened : XX/XX/XXXX XXXX Card XXXXXXXX XXXX XXXX Balance : {$4600.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00}, Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4000.00}, Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3100.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00}, Opened : XX/XX/XXXX XXXX. Inaccurate Late Payment Accounts These accounts contain false late payment notations that do not reflect my actual payment history : XXXX XXXXXXXX XXXX XXXX Balance : {$1000.00}, Opened : XX/XX/XXXX Self/Lead XXXXXXXX XXXX XXXX Balance : {$520.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00}, Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00}, Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1600.00}, Opened : XX/XX/XXXX XXXX. Inaccurate Collection Accounts The following collection accounts are reported in error and must be deleted : XXXX XXXX XXXX XXXX Balance : {$340.00}, Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$980.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3100.00}, Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$470.00}, Opened : XX/XX/XXXX XXXX. Unauthorized or Questionable Inquiries The following inquiries are inaccurate and damaging. I did not authorize these inquiries, and they should be removed immediately : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX for My Dispute Under the FCRA, furnishers and credit reporting agencies are required to : Report only accurate and verifiable information ( 1681e ( b ) ).

Correct or delete inaccurate information within 30 days of notice ( 1681i ).

Refrain from reporting information they can not verify ( 1681s-2 ).

Failure to comply with these obligations constitutes a violation of federal law and subjects the reporting agencies and furnishers to liability for damages.

Requested Action I demand that the CFPB investigate and enforce correction or deletion of the above-mentioned inaccurate information. I further request written confirmation of the outcome of this investigation. 

If these items are not corrected promptly, I reserve the right to pursue all available remedies, including civil litigation for damages, attorneys fees, and statutory penalties under 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