Consumer complaint received 2025-11-04 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: TN

Complaint narrative:
I am submitting this complaint against the entities listed below for reporting inaccurate, unverifiable, and unauthorized information to the credit bureaus, which has caused damage to my creditworthiness and violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I request the CFPB to investigate and ensure immediate correction, deletion, or validation of the accounts and inquiries listed below. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX These addresses are inaccurate and not connected to my verified identity or residence. Reporting addresses not supported by legitimate documentation or consumer authorization violates FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ). Continued reporting of these false addresses links my file to unrelated financial activity, creating confusion and harming my creditworthiness. I demand the immediate deletion of these unverifiable addresses. 

XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$55.00} Late Payment * * This account contains a late payment entry that remains unverified. No legitimate documentation, billing record, or creditor statement has been provided to support this delinquency. Reporting unverifiable information breaches FCRA 623 ( a ) ( 1 ) ( A ) and the duty to maintain accuracy under 607 ( b ). The lack of verification constitutes willful noncompliance under 616 and requires removal of this derogatory mark to restore fair reporting. 

XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment * * This account lists a XXXX balance but still shows a late payment, which is logically and legally inconsistent. No evidence of missed payment or delinquency has been provided. This type of inaccurate data violates 607 ( b ) for failure to maintain accuracy and 611 ( a ) ( 1 ) ( A ) for incomplete reinvestigation. I demand immediate deletion due to the absence of verifiable records. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4.00} Late Payment * * This account continues to reflect a false late payment record. No signed contract, billing statement, or payment proof substantiating this claim has been provided. The reporting of such incomplete information violates 623 ( b ) ( 1 ) ( B ) and 611 ( a ) ( 1 ) ( A ). The continued inclusion of unverifiable data causes measurable harm to my consumer rights and credit integrity. 

XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Late Payment * * This entry remains unverified and misleading. The furnisher failed to provide any documentation proving that I was ever delinquent. Failure to substantiate this account after prior dispute violates 611 ( a ) ( 2 ) ( B ) and 607 ( b ). I request deletion for noncompliance and unverifiable reporting under the FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference # XXXX Bankruptcy This bankruptcy record is falsely associated with my name. No official court documentation confirming such a filing has been provided. Attaching inaccurate public records without proper validation violates 611 ( a ) ( 5 ) and 607 ( b ). The FCRA requires you to verify all public records directly with the source or delete them if unverifiable. This record is damaging and must be removed immediately. 

INQUIRIES 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 XXXXXX/XX/XXXX These inquiries were made without my consent or permissible purpose, violating FCRA 604 ( a ) ( 3 ) . The credit bureau is required to verify that each inquiry was authorized and legitimate. Continuing to display unauthorized inquiries breaches my privacy and constitutes willful noncompliance under 616. Each of these inquiries must be investigated, verified with consumer consent documentation, or permanently deleted from my credit file. 

I am requesting a full CFPB investigation into the above issues, including communication with the credit bureaus and furnishers responsible. I demand removal of any unverifiable or unauthorized items immediately and written confirmation of the actions taken. Failure to address these issues promptly will be considered continued willful noncompliance with federal law and further action will be taken if necessary.

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