Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
This is my second formal dispute regarding false, misleading, and unverifiable information that remains on my Experian credit file despite my prior dispute. You are legally required under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ) and to follow reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ).

Your failure to remove these items after my first dispute demonstrates a lack of compliance with federal law. These inaccuracies are directly harming my creditworthiness, resulting in credit denials, higher interest rates, and emotional distress. Below, I have detailed each item in dispute, along with the applicable law and my personal account of the damage caused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This address is incorrect and does not belong to me.

Law : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy.

Story : I have never lived at this address, and its inclusion in my credit file is both misleading and harmful. An incorrect address increases the risk of accounts and inquiries being wrongfully associated with me, which can indicate potential identity theft. I have already had lenders question my identity due to this false address, which is a clear consequence of your failure to maintain accurate personal information. Since no proof of my residency at this address has been provided, it must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This is not my mailing address and should not appear in my file.

Law : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ).

Story : I have no connection to this XXXX XXXX . Its presence in my file falsely links me to accounts and activities that have nothing to do with me. This has created confusion in the verification process when applying for credit, leading to delays and suspicion from creditors. I have previously disputed this, and your failure to remove it shows a disregard for your legal obligations. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Charge Off * * Issue : Reporting a charge-off account that is inaccurate and unverifiable.

Law : FCRA 611 15 U.S.C. 1681i ( a ) Duty to reinvestigate disputed information ; FCRA 607 ( b ) 15 U.S.C. 1681e ( b ).

Story : This account is showing as charged off, yet no original signed agreement, complete payment history, or proper verification from the furnisher has been provided. Without documentation, this reporting is illegal under the FCRA. A charge-off is a serious derogatory mark, and its presence is causing me ongoing harm, including being denied credit and offered only high-interest loans. The absence of proof after my initial dispute confirms that this information can not be verified and must be deleted. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Issue : Late payment reporting on a closed account with XXXX balance.

Law : FCRA 611 15 U.S.C. 1681i ( a ) ; FCRA 607 ( b ) 15 U.S.C. 1681e ( b ).

Story : This account is showing late payments even though the balance is XXXX and the account is closed. Such reporting is misleading because it suggests I failed to fulfill my obligation when in fact I paid the account in full. This false history is lowering my credit score and misrepresenting my payment habits. No valid proof has been provided after my first dispute, so you are required by law to delete it. 

XXXX. XXXX XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX Issue : Unauthorized hard inquiry on my credit report.

Law : FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b Permissible purposes of consumer reports.

Story : I never gave authorization for XXXX XXXX XXXX XXXX  to access my credit file. I have no account, application, or existing relationship with them that would allow this inquiry under the law. This is a violation of my privacy and is unfairly lowering my credit score. Such unauthorized inquiries must be removed to prevent further harm.

I am demanding that these items be removed within 30 days, as required by 15 U.S.C. 1681i ( a ). If you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. I will also consider filing suit for your willful noncompliance to recover statutory and actual damages.

This is your second chance to follow the law. Remove the inaccurate, outdated, and unverifiable information immediately to avoid further legal consequences.

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