Consumer complaint received 2025-06-24 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:
To Whom It May Concern, I am writing to file a formal complaint concerning multiple inaccurate and potentially unlawful entries being reported on my credit report by various furnishers and credit reporting agencies. These inaccuracies include incorrect account statuses, erroneous addresses, and unauthorized credit inquiries, all of which have negatively impacted my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws, I am entitled to accurate and verified information on my credit report. The reporting entities and credit bureaus have failed to meet these legal obligations, and I request immediate investigation and correction of the following items : 1. Incorrect Account Reporting XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Status : Wrong Address This address is being falsely associated with my credit file. I have never lived at this location and it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.

2. Inaccurate/Unverified Account Entries XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$750.00} Date Opened : XX/XX/XXXX Status : Late Payment This late payment is being reported inaccurately. I demand proof of verification and contract. Reporting unverifiable data is a violation of FCRA 611 ( 15 U.S. Code 1681i ) and 609 ( a ) ( 1 ) which entitles me to all information in my file. 
XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$410.00} Date Opened : XX/XX/XXXX Status : Charge Off This charge-off is unverified and was reported without proper validation. Under FCRA 623 and 15 U.S. Code 1681s-2, furnishers of information must ensure accuracy and correct any incomplete or inaccurate information. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Status : Charge Off I never authorized this account. Reporting of this account without providing a signed agreement or contract is a violation of FCRA 609 ( a ) ( 1 ) and 602 ( A ), which mandates fair and accurate reporting. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$940.00} Date Opened : XX/XX/XXXX Status : Charge Off This account continues to be inaccurately reported. The reporting agency failed to validate the debt upon my request, violating FCRA 611. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$580.00} Date Opened : XX/XX/XXXX Status : Charge Off This is a duplicate entry and false reporting of the same account, which violates FCRA 607 ( b ). Duplicate derogatory listings misrepresent my credit profile. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Status : Charge Off No verification was ever provided, and the reporting agency failed to follow reasonable procedures, which is a breach of FCRA 611 and 623 ( a ) ( 1 ) ( A ).

3. Unauthorized/Inaccurate Hard Inquiries The following inquiries were not authorized by me and were made without permissible purpose as defined under FCRA 604 ( a ) ( 3 ). These inquiries have negatively affected my credit score. 
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  These inquiries were not initiated or authorized by me and must be removed under FCRA 604 and 616 for willful noncompliance.

Requested Resolution : Immediate deletion of the incorrect address.

Complete removal of the unverified, inaccurate, and duplicate account entries. 
Removal of all unauthorized hard inquiries. 
Full investigation and compliance with FCRA obligations.

Please investigate this matter thoroughly. I am attaching a copy of my credit report highlighting the disputed items for your review.

Request for Action : Conduct a thorough investigation of all the above disputed accounts and inquiries.

Remove or correct all inaccurate, outdated, or unverifiable information in compliance with FCRA 611.

Provide me with updated credit reports reflecting corrections. 
Cease any further reporting of inaccurate data. 
Confirm in writing your resolution of this complaint within the legally mandated timeframe. 
Failure to comply with federal laws protecting consumers credit information not only harms my financial wellbeing but also constitutes a violation subject to regulatory enforcement. 
Please treat this matter with urgency. 
Thank you for your prompt attention to these serious concerns.

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