Consumer complaint received 2025-10-31 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:
Dear CFPB Representative, I am filing this complaint against multiple furnishers and credit reporting agencies for reporting inaccurate and unverifiable information on my credit report. These errors are severely affecting my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to the credit bureaus be accurate and verifiable. 
Inaccurate Personal Information ( Wrong Addresses ) : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses do not belong to me and should be permanently removed from my credit file. 
Accounts Reporting Incorrect Information : DEPTED/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3300.00} This account is being reported with late payments, which is completely false. I have never made any late payments on this account. Please correct the payment history to show an accurate on-time record. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is also incorrectly reported with late payments. I have no record of any delinquency, and I request that the payment history be corrected to reflect timely payments. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account shows late payments that are inaccurate. I request verification of the alleged delinquencies and correction of my payment history. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2600.00} This account is reported as a charge-off, but I have no knowledge of this account being delinquent or charged off. I am requesting verification and documentation proving the validity of this charge-off. If such proof can not be provided, this account must be deleted from my credit report. 
XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} This account is being reported as a charge-off, which is inaccurate. I have no knowledge or record of this debt. Please verify its authenticity or remove it from my credit report. 
XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} This account is also reported as a charge-off without any verification or notice to me. I am requesting full validation. If the creditor can not verify it as accurate and complete, it must be deleted immediately. 
Summary of Violations : Reporting inaccurate addresses that do not belong to me. 
Reporting late payments that never occurred. 
Reporting charge-off accounts with no proof of validity. 
Failure to maintain reasonable procedures to assure maximum possible accuracy as required by FCRA 607 ( B ).

I am requesting that the CFPB intervene to ensure that these reporting entities verify and correct these errors immediately. I would also like written confirmation once these investigations are completed and the inaccurate data has been corrected or removed from my credit report.

Thank you for your assistance and for helping protect consumers rights under the FCRA.

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