Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies and the furnishers listed below for multiple violations of the Fair Credit Reporting Act ( FCRA ). My consumer reports contain wrong addresses, unverified charge-offs, late payments that are inaccurate, and other derogatory items for which the furnishers have failed to provide proper verification.

1. Wrong / Fraudulent Addresses Reported ( Identity Issue ) The following addresses appearing on my credit reports are completely inaccurate and I have no connection to them. These are serious privacy and identity-related discrepancies : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address I am demanding full deletion of these addresses under FCRA 602 ( A ) and 609 ( e ).

2. Charge-Off Accounts I Have No Knowledge Of ( Requesting Full Deletion ) Following my stored preferences : all charge-off accounts must be disputed as accounts I do not recognize and therefore request immediate deletion until the furnishers provide legal verification : XXXX XXXX Charge-Off High Balance {$1100.00} I have no knowledge of this account. Requesting full deletion. 

XXXX XXXX  XXXX XXXX Charge-Off High Balance {$2400.00} I have no knowledge of this account. Requesting full deletion. 

XXXX XXXX XXXX XXXX Charge-Off High Balance {$2000.00} I have no knowledge of this account. Requesting full deletion. 

Furnishers have failed to supply contracts, statements, or legally required documentation validating these accounts.

3. Incorrect Late Payment Reporting ( History Is Wrong ; I Never Paid Late ) Following my stored preferences : for late payments, I dispute the accuracy and demand correction, not deletion of the entire tradeline : XXXX XXXX  XXXX XXXX XXXX XXXX I dispute this ; the reported late payment is wrong. I have never paid late. 

XXXX XXXX Late Payment Inaccurate history ; I have never paid late. Correct immediately. 

XXXX XXXX XXXX XXXX Late Payment Inaccurate history ; I have never paid late. Correct immediately. 

XXXX XXXX XXXX Late Payment Inaccurate history ; I have never paid late. Correct immediately. 

XXXX XXXX XXXX XXXXXXXX Late Payment Inaccurate history ; I have never paid late. Correct immediately. 

These furnishers have failed to properly investigate, as required under FCRA 611.

4. Bankruptcy Reporting Issue U.S. Bankruptcy Court XXXX Disposition Date : XX/XX/XXXX I demand verification from the credit bureaus, including the method of verification, as required under FCRA 611 ( a ) ( 7 ). Courts do not furnish bankruptcy data directly, so the CRA must show how they obtained and verified this record.

5. Hard Inquiry I Did Not Authorize XXXX XXXX Inquiry Listed XX/XX/XXXX I did not authorize this inquiry. I request immediate removal under FCRA 604 ( a ) ( 2 ).

Requested Action I am demanding : Immediate deletion of all wrong addresses.

Full deletion of all charge-off accounts I do not recognize.

Correction of all inaccurate late payment reporting.

Verification of bankruptcy record, including method of verification. 

Removal of unauthorized inquiry. 

A full investigation compliant with FCRA timelines. 

Failure to comply will result in escalation, including filing additional complaints with state regulators and seeking legal remedies. 

Conclusion These errors are causing ongoing harm to my creditworthiness and directly violate the FCRA. I am requesting immediate intervention by the CFPB to ensure full compliance by the credit bureaus and the furnishers. 

Thank you for your attention.

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