Consumer complaint received 2025-05-28 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: OH

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unverifiable accounts that are being reported on my consumer credit reports by the following furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Additionally, two addresses are inaccurately reported on my credit file : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX Timeline and Discovery : I discovered these inaccuracies while reviewing my credit reports from the three nationwide credit reporting agencies. I have never lived at the two addresses listed above and I do not recognize many of the accounts. This raises serious concerns that my identity may have been compromised. I submitted formal disputes to the credit bureaus and to each furnisher listed above, requesting investigation and removal of all unverifiable or incorrect information pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

Legal Violations and Consumer Rights : Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers must report the results of their investigations and correct any information found to be inaccurate. Despite this, many of these accounts continue to be reported without proper verification or evidence of my liability. If identity theft is involved, these accounts must be removed under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) and the FTC 's guidelines for disputing fraudulent accounts. 

Personal Impact : These inaccuracies have severely damaged my credit score and impacted my ability to obtain housing, employment, and credit. I have suffered undue stress, emotional distress, and financial hardship as a result. 

Requested Resolution : I request that the CFPB investigate these matters and compel each listed furnisher to provide documented verification of the debt including signed contracts or documentation linking the debt to me. If they can not do so, I request immediate deletion of these accounts. I also request the removal of the two inaccurate addresses from my credit file. 

I have attached supporting documentation including prior dispute letters and identity theft report filings. I respectfully urge the CFPB to take appropriate regulatory action to ensure my rights as a consumer are upheld. 

Thank you for your assistance.

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