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 complaint because multiple items appearing on my credit reports are incorrect, unverified, and not associated with me. I am requesting the CFPBs assistance in compelling the furnishers and credit reporting agencies to comply with the FCRA ( Fair Credit Reporting Act ) and correct or delete the inaccurate information immediately. 

XXXX. WRONG / FRAUDULENT ADDRESSES REPORTING The following address is appearing on my credit report, and I have never lived at or used this address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX WRONG ADDRESS This address is not mine, and its presence suggests mixed files, identity confusion, or reporting errors. 
I demand a full investigation and immediate removal of this incorrect address. 

XXXX. CHARGE-OFF ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS ( Per my standing instruction : treat all charge-off / collection accounts as unknown and request deletion. ) The following charge-off accounts do not belong to me. I have no knowledge, no contract, no account relationship, and no validation has ever been provided : 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  Opened XX/XX/XXXX Charge Off {$360.00} These accounts are fraudulent, unverified, and inaccurate. 
Under FCRA 602A, 609, 611, and 623, any data that can not be fully validated must be deleted immediately. 

I am requesting full deletion of these accounts. 

XXXX. LATE PAYMENT ACCOUNT INACCURATE REPORTING ( Per your instruction : late-payment accounts are legitimate but history is wrong. ) XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Late Payment Reported I am disputing the late payment history only because it is 100 % inaccurate. 
I have never made a late payment on this account, and the furnisher has failed to provide any proof of delinquency. 
Under FCRA 623 ( a ) ( 1 ) ( A ), a data furnisher may not report information they know or should know to be inaccurate. 

I am requesting correction of the inaccurate payment history, not deletion of the account. 

XXXX. COLLECTION ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS ( Per your standing instruction : treat all collection accounts as unknown and request deletion. ) The following collection accounts do not belong to me and have never been validated 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  {$260.00} XXXX  I have no contract, no account, and no communication with any of these entities. 
They have provided no validation, as required under the FCRA and FDCPA. 

I am requesting permanent deletion due to failure to validate. 

REQUESTED ACTIONS I respectfully request the CFPB to require the furnishers and XXXX to : Delete all fraudulent and unverified charge-off and collection accounts listed above. 

Correct the inaccurate late payment information for XXXX XXXXXXXX XXXX XXXX 

Remove all wrong addresses from my credit file. 

Provide a full compliance investigation and written results. 

CERTIFICATION I certify that the information in this complaint is true and accurate to the best of my knowledge. 

Thank you for your assistance.

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