Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
I am filing this complaint to formally report the continuous inaccurate and unauthorized information being reported on my consumer credit profile. I have noticed that multiple addresses and accounts appearing on my credit reports are false, outdated, or reported in violation of my consumer rights under federal law. These inaccurate items are causing me significant distress and are preventing me from maintaining fair access to credit as provided under the Fair Credit Reporting Act ( FCRA ). 

ADDRESSES XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX XXXX addresses are being reported in error and are not verifiable as accurate or current. The continued reporting of incorrect or outdated addresses violates FCRA 607 ( B ), which mandates that consumer reporting agencies maintain accuracy and relevance in the data they report. These addresses XXXX have been attached to accounts opened or used by other individuals, leading to mixed file issues that negatively affect my report. I request immediate deletion of these addresses from my file to prevent any further damage or confusion. 

ACCOUNTS XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$360.00} Late Payment This account is reporting late payments that are not accurate or verifiable. According to FCRA 611 ( A ), any information disputed by the consumer must be reinvestigated and verified by the furnisher with proper documentation such as billing statements, payment history, and signed agreements. No such documentation has been provided to me. Reporting unverifiable data violates FCRA 607 ( B ) and constitutes negligence under 602 ( A ). The presence of false late payments has directly harmed my credit standing, and unless verified with legitimate proof, this account must be deleted immediately. 

XXXX XXXX Account # XXXX Opened XXXX XXXX, XXXX Balance XXXX Late Payment This account is inaccurately reporting multiple late payments that are inconsistent with my records. The creditor has failed to provide original documentation verifying those alleged delinquencies. Under FCRA 623 ( A ) ( 1 ) ( A ), furnishers must ensure that all information reported is accurate and complete. Reporting false or unverifiable payment data not only violates the FCRA but also misrepresents my credit behavior. Any unverifiable entry must be permanently deleted after reinvestigation as required by federal law. 

XXXX Account # XXXX Opened XX/XX/XXXX Highest Balance {$610.00} Late Payment This account shows a late payment history that can not be validated with proper documentation. The continued reporting of alleged delinquencies without supporting records violates FCRA 611 ( A ) ( 1 ) and 607 ( B ). The furnisher must provide original proof of delinquency, payment dates, and account ownership ; otherwise, this account must be deleted. Under the FCRA, unverifiable and incomplete information must not remain on a consumers credit report. 

XXXX XXXX XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance XXXX Collection This collection account is being reported inaccurately and can not be verified through original documentation. No contract, payment history, or lease record has been presented linking me directly to this alleged debt. Reporting unverifiable collections violates FCRA 607 ( B ) and 611 ( A ). Furthermore, the furnisher is required under 623 ( B ) ( 1 ) to investigate disputed information and correct or delete it if found inaccurate. The lack of verifiable documentation makes this collection entry invalid and subject to immediate removal. 

XXXXXXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance XXXX} Collection This account is reporting as a collection, yet no valid record or contract has been shown to confirm ownership or delinquency. The furnisher is obligated under FCRA 623 ( A ) ( 1 ) ( A ) to ensure all information provided is accurate and supported by proper documentation. Since there is no evidence that this debt is valid or belongs to me, continued reporting violates federal law and must cease immediately. Any unverifiable data must be permanently deleted from my file following reinvestigation. 

INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX Both of these inquiries were not authorized by me. Under FCRA 604 ( A ) ( 2 ) and 609 ( A ) ( 1 ), credit bureaus may only furnish consumer reports for permissible purposes with the consumers explicit authorization. Any inquiry made without my consent represents a direct violation of federal law. I demand that these unauthorized inquiries be deleted immediately, as they were not initiated or approved by me. 

I am requesting the Consumer Financial Protection Bureau to investigate these matters urgently and ensure that the credit reporting agencies and furnishers comply with the Fair Credit Reporting Act. I demand deletion of the inaccurate addresses, removal of the unauthorized inquiry, and correction or removal of the inaccurate account information reported by XXXX XXXX Bank XXXX. These continued violations are damaging my creditworthiness and preventing me from accessing fair financial opportunities. I request that proper enforcement action be taken to hold the responsible entities accountable for noncompliance with the FCRA and that all inaccurate data be permanently deleted from my credit file immediately.

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