Consumer complaint received 2025-05-23 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:
I am filing this formal complaint against the reporting of inaccurate and unlawful information on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My report contains a false address, numerous misattributed accounts, and unauthorized credit inquiries. These entries have caused serious damage to my creditworthiness and have subjected me to repeated emotional and financial hardship. 

Personal Story and Emotional Harm : In late XXXX, I attempted to finance a reliable vehicle to support my work commute and my responsibilities as a parent. Despite my income and current obligations being well-managed, I was denied financing. The denial was shocking until I reviewed my credit report. What I found were disturbing entriesaccounts I never opened, a charge-off dated in the future, and inquiries from lenders I had never contacted. These were not just data errors ; they reflected a system that had failed to safeguard my identity and personal records. 

As someone who takes pride in paying bills on time and planning responsibly, this experience was humiliating. It made me feel powerless and exposed. Worse, the wrongful entries are suppressing my financial growth and preventing me from achieving basic goalslike providing secure transportation for my family or rebuilding a healthy financial foundation. 

Wrong Address : XXXX XXXX XXXX, XXXX, SC XXXX This address is incorrect and should not be linked to my profile. I have never lived there or had any dealings associated with it. Per FCRA 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. The presence of this false address is a failure of that duty. 

Disputed Accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Shows a late payment on an account I never authorized or validated. No signed agreement has been shown. Reporting such unverifiable debt violates 1681s-2 ( a ) ( 1 ) ( A ) which forbids furnishing inaccurate information. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX A {$1.00} balance with a reported late payment is legally and logically questionable. There is no valid reason for this derogatory mark. 

XXXX XXXX XXXX ( XXXX ), # XXXX This is especially egregious. The account shows an open date of XX/XX/2024, a future date that is impossible and thus facially inaccurate. This violates both FCRA 1681c and 1681e ( b ), and requires deletion, not correction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This collection is not mine. I never had XXXX XXXX XXXX XXXXXXXX XXXX. No statement, billing, or contact has ever been made to my name. 

XXXX XXXX, # XXXX Marked as charged off with a {$0.00} balance. This reporting is outdated and misleading. Under 1681c ( a ) ( 4 ), such accounts are obsolete and must be removed. 

XXXX, # XXXX An unexplained and outdated late payment remains, though the account is closed and the balance is XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX A {$1000.00} collection is reporting with no verification or prior notice to me. I dispute ownership and demand deletion unless full validation is produced under FDCPA obligations as interpreted in FCRA 1681i.

Unauthorized Credit Inquiries : The following inquiries appeared on my report without my consent, in violation of FCRA 1681b, which strictly limits access to consumer reports to entities with a permissible purpose 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 I did not apply for credit with any of these companies. I did not authorize these inquiries. Per 1681b ( c ), hard inquiries require consumer-initiated action and permissible purpose, neither of which exist here.

Legal Remedies and Relief Sought : Under FCRA 1681i, I request that these disputed items be reinvestigated and removed. I am invoking my rights under 1681s-2 ( b ) for furnishers to promptly correct or delete information found to be inaccurate. Additionally, I reserve the right to pursue civil action under 1681n for willful noncompliance and 1681o for negligent violations. 

Requested Action : Delete the false address : XXXX XXXX XXXX, XXXX, SC XXXX Delete all disputed accounts as noted above. 

Delete all unauthorized inquiries. 

Provide written confirmation of all actions taken. 

This situation has deeply affected my ability to access basic financial services and has damaged my reputation. I urge the CFPB to hold the furnishers and credit reporting agencies accountable for these serious violations of 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