Consumer complaint received 2025-12-19 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: NV

Complaint narrative:
I am submitting this complaint due to ongoing inaccurate credit reporting and failure to conduct a proper investigation as required by federal law. Information is being reported without proper verification, despite disputes, causing harm to my credit profile and financial standing. 

1. XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX I have no knowledge of this address and have never lived at this location. Reporting an address that does not belong to me violates FCRA 609 ( a ) ( 1 ) and 611 ( a ). Please remove this incorrect address from my credit file. 

2. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off ) * * I have no knowledge of this account. No contract, application, or proof of obligation has been provided. Reporting an unverified charge-off violates FCRA 611 ( a ) ( 1 ) and 607 ( b ). This account should be deleted if it can not be properly verified. 

3. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX | Balance : {$620.00} | Late Payment ) * * The late payment information reported on this account appears inaccurate and incomplete. Inaccurate reporting violates FCRA 602 ( a ) and 623 ( a ) ( 2 ). Any inaccurate late payment history should be corrected after proper verification. 

4. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off ) * * I have no knowledge of this account and dispute its accuracy. Continued reporting without proper verification violates FCRA 611 ( a ) and 607 ( b ). This account should be removed if unverifiable. 

5. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX | XXXX : {$11000.00} | Charge-Off ) * * I have no knowledge of this charge-off account. Reporting derogatory information without full and complete verification violates FCRA 611 ( a ) ( 1 ) and 623 ( a ) ( 1 ). This account should be deleted if verification can not be provided. 

6. XXXX XXXX Account # XXXX ( Date Opened : XX/XX/XXXX | Balance : {$9400.00} | Late Payment ) * * The late payment reporting on this account may be inaccurate. Furnishers are required to report complete and accurate data under FCRA 623 ( a ) ( 2 ). Any inaccurate late payment information should be corrected. 

7. XXXX Account # XXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment ) * * This account reflects late payments despite a zero balance, raising accuracy concerns under FCRA 607 ( b ). The payment history should be updated to reflect accurate information. 

8. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX | Balance : {$0.00} | Late Payment ) * * Late payment reporting on a zero-balance account must be fully verified for accuracy under FCRA 611 ( a ). Any inaccurate information should be corrected. 

9. XXXX XXXX Account # XXXX ( Date Opened : XX/XX/XXXX | Balance : {$270.00} | Collection ) * * I have no knowledge of this collection account. No evidence has been provided showing I owe this debt or that the collector has the right to report it. Reporting an unverified collection violates FCRA 611 ( a ) ( 1 ) and 607 ( b ). This account should be removed if it can not be verified. 

I request a lawful reinvestigation, documented proof of accuracy, correction of my credit file, and removal of any information that can not be properly verified in compliance with the Fair Credit Reporting Act.

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