Consumer complaint received 2025-11-22 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: LA

Complaint narrative:
I am submitting this complaint because there are multiple accounts and personal data being reported inaccurately on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). These errors are harming my credit profile and are causing financial damage. I am requesting immediate investigation and correction. 

First, the following addresses being reported are incorrect and do not belong to me, and therefore must be removed as they represent a failure to maintain accurate consumer data under FCRA 602 ( A ), 604, and 609 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address Second, the following accounts are being reported with late payments, however the payment history being reported is inaccurate and misleading. I have never made a late payment on these accounts, and under FCRA 623 and 607 ( B ), all information furnished must be complete and accurate. I am demanding immediate correction of the payment history : XXXX XXXX XXXX XXXX XXXX  Late Payment ( High Balance : {$410.00} | Date Opened : 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 XXXX XXXX XXXX XXXX XXXX  Third, the following accounts are listed as charge-offs and collection accounts that I have no knowledge of. Under FCRA 609 ( a ) ( 1 ) ( A ), I am requesting full validation including the original signed contracts proving these debts belong to me. If validation can not be provided, then these accounts must be permanently deleted as required by FCRA 611 and FDCPA 809 ( b ) : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Finally, there are unauthorized hard inquiries that I did not apply for. These violate FCRA 604 ( a ) ( 3 ) because no permissible purpose exists : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting full investigation and compliance within the federally required 30-day window under FCRA 611 ( a ). If the furnishers can not provide lawful verification, proof of permissible purpose, and documentation with my signature, then these accounts, inquiries, and inaccurate addresses must be deleted immediately. 

Thank you, and I expect a timely resolution as required by 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