Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against multiple creditors and credit reporting agencies for inaccurate, misleading, and unverified information being reported on my credit report. The information listed below contains false addresses, incorrect late payments, fraudulent charge-offs, and unverifiable collection accounts that have caused severe harm to my creditworthiness and financial reputation.

Despite my previous attempts to correct these inaccuracies, the reporting agencies have failed to provide verifiable proof or proper investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am requesting CFPBs immediate intervention to ensure a lawful and complete investigation into these violations. 
INCORRECT PERSONAL INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, PA XXXX Wrong Address These addresses are completely inaccurate and have no connection to me whatsoever. I have never lived, worked, or received mail at these locations. Reporting these false addresses creates confusion, possible identity concerns, and contributes to the appearance of fraudulent activity. I am requesting that these addresses be permanently deleted from my credit report. 
ACCOUNT DISPUTES : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$39000.00} | Reported Issue : Late Payment * * This reporting is inaccurate and misleading. I have always made payments on time and have no record of any missed or delayed payments with this creditor. The late payment notation is false and does not reflect my payment history. I am demanding immediate correction to show Paid as Agreed / Never XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$640.00} | Reported Issue : Charge-Off * * I am disputing this account in its entirety. I have no recollection or record of opening or using any account with this entity. This entry appears to be a duplication or fraudulent listing. I am demanding full validation, including signed original application and transaction records. If such documentation can not be provided, the account must be deleted immediately from my credit report. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$590.00} | Reported Issue : Charge-Off * * This is a duplicate and erroneous entry similar to the XXXX XXXX account listed above. Reporting the same account multiple times is misleading and a violation of the FCRA. I am requesting immediate deletion of this duplicate and unverified record. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$2500.00} | Reported Issue : Charge-Off * * I am disputing this charge-off status. I have no record of any account being charged off with XXXX XXXX. This may be a clerical or data-entry error. I demand that you verify this directly with the furnisher. If proper documentation ( including payment history, billing statements, and original signed application ) is not provided within the investigation period, the entry must be deleted under FCRA compliance. 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance : {$2300.00} | Reported Issue : Collection * * I have no knowledge of this account or any collection efforts associated with it. No validation has ever been provided to me. I am demanding that this item be removed immediately unless the original creditor and full payment history are verified and furnished to me. 
The repeated reporting of false addresses, unverified accounts, and duplicate records constitutes willful negligence and noncompliance with federal law. These errors have caused substantial emotional distress and financial harm by lowering my credit score and affecting my ability to obtain fair credit.

I am respectfully requesting that the CFPB : 1. Investigate each account and address listed above.

2. Require the data furnishers and credit bureaus to provide full, verifiable documentation.

3. Ensure deletion or correction of any unverifiable or inaccurate information. 
4. Impose corrective actions on the furnishers and agencies if they fail to comply with the FCRA.

I have attached a copy of my identification and proof of address for verification. Please confirm receipt of this complaint and notify me of all actions taken regarding this matter.

Thank you for your time, attention, and enforcement of my rights under the Fair Credit Reporting Act.

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