Consumer complaint received 2025-11-09 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: LA

Complaint narrative:
I am writing to file a formal complaint against several furnishers and credit reporting agencies for multiple and serious inaccuracies appearing on my credit reports. The following entries contain incorrect personal information, unverified accounts, and inaccurate reporting that have caused significant harm to my credit standing.

1. Wrong Addresses Reported The following addresses appearing on my credit file are not associated with me in any way and must be removed immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are completely incorrect, and I have never resided at or been affiliated with them. Reporting such false information violates the accuracy and verification provisions of the FCRA ( 15 U.S.C. 1681e ( b ) ).

2. Unverified Charge-Off and Collection Accounts The following accounts are being reported as charge-offs or collections, but I have no knowledge or record of ever opening, authorizing, or defaulting on these accounts : XXXX Account # XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$28000.00} Charge Off XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$610.00} Collection XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$7800.00} Collection XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$34.00} Charge Off These accounts appear to be inaccurate, unverified, and potentially fraudulent. I have never been notified of any debt validation, nor have I received any supporting documentation from these furnishers proving ownership or liability. Reporting such unverifiable information is a direct violation of FCRA 611 and 623.

I request that these accounts be thoroughly investigated and deleted from my credit file immediately if the furnishers can not provide full validation.

3. Incorrect Late Payment Reporting XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$66.00} Late Payment This late payment notation is false and misleading. I have never made a late payment to this creditor. The reporting of an inaccurate payment history violates the FCRAs accuracy standards ( 15 U.S.C. 1681s-2 ( a ) ) and must be corrected without delay.

4. Unauthorized Inquiries The following hard inquiries were made without my knowledge, permission, or authorization : XXXX XXXX XXXX XXXX XXXX ( Date not specified ) I have never applied for credit with these entities, and these inquiries were made without my consent. Such actions constitute a violation of the Fair Credit Reporting Act and consumer privacy laws. I demand their immediate removal from my credit report.

Requested Resolution I respectfully request that the CFPB investigate these inaccuracies and take appropriate enforcement actions against the credit reporting agencies and furnishers involved. Specifically, I demand : Immediate removal of the incorrect addresses.

Deletion of all unverified charge-off and collection accounts.

Correction of false late payment information.

Removal of all unauthorized inquiries.

Written confirmation of all corrective actions taken.

Conclusion These repeated inaccuracies have damaged my credit profile and caused unnecessary emotional distress. I am requesting a full investigation and a written response in accordance with the Fair Credit Reporting Act. I have attached supporting identification documents and a recent copy of my credit report for reference.

Thank you for your prompt attention to this serious matter.

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