Consumer complaint received 2025-08-16 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: GA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies, unauthorized items, and reporting violations on my consumer credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and overall reputation. I am requesting a thorough investigation, deletion of all inaccurate data, and immediate compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. The credit bureaus and furnishers are legally obligated to ensure the maximum possible accuracy of the information they report, yet these items remain despite prior disputes and clear evidence of inaccuracy, non-verification, or improper reporting. Below I am listing each disputed item with specific legal violations and supporting explanation for removal. 
ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Law : FCRA 602 ( A ), 604 ( A ) ( 2 ), 607 ( B ) Issue : Wrong address reporting Story : I have never lived at or been associated with this address at any point in my life. There are no leases, utility bills, identification documents, or any other records connecting me to this location. Keeping this inaccurate address on my file could cause severe confusion, potential identity mix-ups, and further harm to my credit profile. This entry must be deleted immediately. 

XXXX XXXX XXXX  XXXX, FL XXXX Law : FCRA 602 ( A ), 604 ( A ) ( 2 ), 607 ( B ) Issue : Wrong address reporting Story : This address does not belong to me, and I have never had any residency or financial relationship tied to this location. The inclusion of this incorrect address raises concerns about file contamination or identity theft. It is misleading, damaging to my credit integrity, and must be permanently removed from my report. 

XXXX XXXX XXXX XXXX NA XXXX Date opened XX/XX/XXXX Balance {$630.00} Law : FCRA 602 ( A ), 604 ( B ), 607 ( B ), 611 ( A ) Issue : Late payment reporting inaccurately Story : This account is reporting late payments that are not accurate. I have not received any proof from the furnisher to justify this derogatory status. Late payment history without valid documentation violates my rights under the FCRA, and the continued presence of this error damages my payment reputation and score. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00} Law : FCRA 602 ( A ), 604 ( B ), 607 ( B ), 611 ( A ) Issue : Charge-off reporting inaccurately Story : The charge-off status and balance being reported do not reflect my actual payment history or any verified record. I have not been provided with an original signed contract or complete payment ledger to prove this debt. Without proper verification, this entry is inaccurate and must be deleted immediately. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$970.00} Law : FCRA 602 ( A ), 604 ( B ), 607 ( B ), 611 ( A ) Issue : Charge-off reporting inaccurately Story : This account is being reported with a charge-off that is not correct and has not been verified through original source documents. No signed application, billing history, or validation letter has been presented to me, making this reporting unverifiable under the law. 

XXXX  XXXX BANK NA XXXX Date opened XX/XX/XXXX Balance {$520.00} Law : FCRA 602 ( A ), 604 ( B ), 607 ( B ), 611 ( A ) Issue : Late payment reporting inaccurately Story : Late payment entries are being reported without any proof or supporting evidence from the creditor. I demand validation of these claims, including the exact dates and contractual basis for such reporting. In the absence of documentation, these entries must be deleted. 

XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$640.00} Law : FCRA 602 ( A ), 604 ( B ), 607 ( B ), 611 ( A ) Issue : Charge-off reporting inaccurately Story : This accounts charge-off status is inaccurate and misleading. I have not received any proof from the furnisher showing the legal right to collect or report this debt, nor have I been given any original documentation. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance {$240.00} Law : FCRA 602 ( A ), 604 ( B ), 607 ( B ), 611 ( A ) Issue : Late payment reporting inaccurately Story : The late payment record reported for this account is false. I have no record of such a delinquency, and no valid proof has been supplied by the furnisher. Inaccurate negative data harms my payment history and must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Original balance {$9900.00} Law : FCRA 602 ( A ), 604 ( B ), 607 ( B ), 611 ( A ) Issue : Late payment reporting inaccurately Story : Late payments have been reported without my consent or proper verification. I request immediate removal of these inaccurate entries unless the creditor can produce original source documentation that justifies their presence. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2700.00} Law : FCRA 602 ( A ), 604 ( B ), 607 ( B ), 611 ( A ) Issue : Collection account reporting inaccurately Story : I do not recognize this account and have never received validation of this alleged debt. There is no signed agreement, billing history, or documentation tying me to this collection. It is unverified and must be deleted. 

PROGRESSIVE XXXX Date opened XX/XX/XXXX Original balance {$280.00} Law : FCRA 602 ( A ), 604 ( B ), 607 ( B ), 611 ( A ) Issue : Collection account reporting inaccurately Story : This debt is reported as a collection without any proof of ownership, and I have never authorized this account. Without a proper debt validation letter, this reporting is illegal under the FCRA and must be removed. 

XXXX AVIAN XXXX XXXX Date opened XX/XX/XXXX Balance {$7100.00} Law : FCRA 602 ( A ), 604 ( B ), 607 ( B ), 611 ( A ) Issue : Collection account reporting inaccurately Story : I have no knowledge or record of this account. This is either a case of mistaken identity or file contamination. No supporting documentation exists to justify its presence, and therefore it must be deleted. 

XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$90.00} Law : FCRA 602 ( A ), 604 ( B ), 607 ( B ), 611 ( A ) Issue : Collection account reporting inaccurately Story : This alleged debt has never been validated and has no basis in any contract or agreement with me. The continued reporting is a violation of the FCRA. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1100.00} Law : FCRA 602 ( A ), 604 ( B ), 607 ( B ), 611 ( A ) Issue : Collection account reporting inaccurately Story : I have never had any services or financial dealings with this company. This appears to be fraudulent or an error in reporting. No proof has been supplied by the furnisher, making it unverifiable. 

INQUIRIES XXXX XX/XX/XXXX Law : FCRA XXXX ( A ) ( XXXX ), XXXX ( F ) Issue : Unauthorized hard inquiry Story : I did not authorize XXXX XXXX to access my credit report. There is no application, contract, or written permission that grants permissible purpose for this inquiry. 

XXXX XXXX  COMP XX/XX/XXXX Law : FCRA 604 ( A ) ( 2 ), 604 ( F ) Issue : Unauthorized hard inquiry Story : This inquiry is not related to any application or account I initiated. It is unauthorized, unverified, and must be deleted immediately. 

XXXX XXXX XXXX XX/XX/XXXX Law : FCRA 604 ( A ) ( 2 ), 604 ( F ) Issue : Unauthorized hard inquiry Story : I never consented to this inquiry, nor did I apply for any product or service from this company. It violates my rights under the FCRA. 

XXXX XXXX NA XX/XX/XXXX Law : FCRA 604 ( A ) ( 2 ), 604 ( F ) Issue : Unauthorized hard inquiry Story : This company had no permissible purpose to access my credit. I have never applied for a product with them on or near this date. 

XXXX XX/XX/XXXX Law : FCRA 604 ( A ) ( 2 ), 604 ( F ) Issue : Unauthorized hard inquiry Story : This inquiry was made without my authorization or knowledge. There is no valid reason for it to remain on my file. 

I am demanding the immediate deletion of all inaccurate addresses, unverifiable accounts, and unauthorized inquiries listed above. The credit bureaus and furnishers have failed to provide proper documentation despite their legal obligations under FCRA and FDCPA. If they can not produce original signed contracts, complete payment records, or proof of permissible purpose for each inquiry, these items must be deleted. These inaccuracies are causing me severe harm, including denial of credit, higher interest rates, and reputational damage. I request the CFPB to take enforcement action to ensure compliance and hold the reporting agencies and furnishers accountable.

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