Consumer complaint received 2025-09-05 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: OH

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate, unverifiable, and misleading addresses, accounts, and inquiries that are causing serious harm to my creditworthiness, financial standing, and overall livelihood. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, furnishers and credit reporting agencies are required to ensure maximum possible accuracy, and under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, debt collectors are prohibited from reporting or attempting to collect debts without proper validation. Despite my prior disputes, these items remain and continue to violate my consumer rights. I request a thorough investigation and deletion of all unverifiable, inaccurate, duplicate, or misleading items. Each item is listed below with details and legal issues XXXX XXXX XXXX XXXX XXXX, MD XXXX Wrong Address Issue : Incorrect address Law : FCRA 15 U.S.C. 1681e ( b ) requires maximum accuracy Story : Linking me to an address I have no association with misrepresents my credit history and creates potential fraudulent associations. This must be corrected immediately XXXX XXXX Date XXXXXXXX  Balance : {$240.00} Collection Issue : Collection unvalidated Law : FDCPA 15 U.S.C. 1692e prohibits false reporting Story : Reporting this debt without proper validation misleads creditors and damages my creditworthiness. This violates consumer protection law and must be deleted XXXX XXXX XXXX Date XXXXXXXX  Balance : {$0.00} Collection Issue : Reporting collection with XXXX balance Law : FCRA 15 U.S.C. 1681e ( b ) requires accurate reporting Story : Reporting a XXXX balance collection is misleading, suggesting delinquency where none exists. This harms my credit reputation and must be deleted XXXX XXXX XXXX XXXX Balance : {$0.00} Late Payment Issue : Late payments reported inaccurately Law : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits reporting known inaccuracies Story : Reporting late payments on an account with no balance is misleading and damages my creditworthiness. Deletion or correction is required XXXX XXXX XXXX Date XXXX Balance : - Late Payment Issue : Reported late payment unverified Law : FCRA 15 U.S.C. 1681s-2 ( b ) requires correction of disputed information Story : I never received validation. Reporting late payments without verification falsely portrays delinquency, harming my credit score and must be removed XXXX XXXX XXXX Date XXXX Balance : {$310.00} Collection Issue : Unvalidated collection Law : FDCPA 15 U.S.C. 1692g requires validation ; FCRA 15 U.S.C. 1681i requires reinvestigation Story : Reporting this collection without validation falsely portrays me as delinquent and harms my creditworthiness. Must be deleted XXXX XXXX XXXX Date XXXX Balance : {$24000.00} Charge Off Issue : Inaccurate charge-off Law : FCRA 15 U.S.C. 1681s-2 ( b ) requires correction of disputed data Story : I disputed this account but no verification was provided. Reporting inaccurately exaggerates my liabilities, harming my financial credibility. Must be removed XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date XXXXXXXX  Balance : {$6400.00} Charge Off Issue : Unverified charge-off Law : FCRA 15 U.S.C. 1681s-2 ( b ) requires reinvestigation Story : I have disputed this account multiple times without validation. Reporting without proof falsely portrays delinquency and harms credit. Must be deleted XXXXXXXX XXXX XXXX  Date XXXX Balance : {$0.00} Late Payment Issue : Late payment reported inaccurately Law : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits knowingly reporting false information Story : Reporting late payments on a zero-balance account is misleading and damages credit reputation. Must be corrected XXXX XXXX XXXXXX/XX/year> Inquiry Issue : Unauthorized hard inquiry Law : FCRA 15 U.S.C. 1681b requires permissible purpose Story : I did not authorize this inquiry and it is negatively affecting my credit score. Reporting without authorization violates my rights and must be removed These inaccurate addresses, accounts, and inquiry entries are causing significant harm to my credit report and financial standing. I demand immediate reinvestigation and permanent deletion of all unverifiable, duplicate, and misleading information in compliance with FCRA and FDCPA so that my credit report accurately reflects my true financial history

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