Consumer complaint received 2025-10-22 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: MO

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against multiple credit reporting agencies ( Experian, XXXX, and XXXX  ) and the furnishers of information listed below for reporting false, unverified, and damaging information on my consumer credit report. These errors include wrong addresses, charge-offs, late payments, collections, and unauthorized inquiries all in violation of the Fair Credit Reporting Act ( FCRA ). 
Despite repeated attempts to have these items corrected or verified, the credit bureaus and furnishers have failed to conduct a proper reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) and have continued to report inaccurate data that is harming my credit reputation and financial opportunities.

Wrong Addresses Reported ( Identity & Privacy Violation ) These addresses are completely inaccurate and have no connection to me. Reporting these without proper verification violates my privacy rights under FCRA Section 605 ( b ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address I have never lived, owned property, or received mail at any of these addresses. The presence of these false addresses raises serious concerns about identity theft and reporting errors, and I demand they be permanently removed from my credit profile. 
Disputed Accounts ( Inaccurate, Misreported, and Fraudulently Maintained XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$130.00} | Status : Charge Off This account is falsely marked as a charge-off. I have no record or knowledge of ever having this account charged off, nor did I receive any notice of such action. I request full deletion of this account as it is reported in error and in violation of FCRA accuracy standards. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$1300.00} | Status : Charge Off This information is completely inaccurate. I have never defaulted on this account, and there has been no proof or validation of this alleged debt. I request immediate removal for failure to verify. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$980.00} | Status : Late Payment I strongly dispute the reported late payment. I have never made late payments on this account. This reporting damages my payment history and is in direct violation of FCRA Section 1681i ( a ) ( 1 ) ( A ), which requires accurate verification. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Late Payment The late payment reported is false and unverified. This account was fully paid and closed in good standing. It is illegal to report inaccurate derogatory marks on closed, satisfied accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$2200.00} | Status : Late Payment This account has been incorrectly marked as late. There were no missed or delayed payments, and I demand correction of the payment history to reflect my accurate record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1600.00} | Status : Charge Off I have no knowledge of any charge-off with this lender. No valid documentation has ever been provided to prove this claim. This appears to be an error or identity-related confusion and must be deleted immediately. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$66.00} | Status : Collection This is a fraudulent and unrecognized account. I have never opened or authorized any account with this entity. I am requesting complete deletion as it violates FCRA Section 609 ( a ) ( 1 ) ( A ), which requires furnishers to provide documentation verifying ownership.

IMPACT AND VIOLATION SUMMARY These inaccurate items have caused significant emotional distress, credit denials, and reputational harm. My rights under FCRA 602 ( A ), 607 ( b ), 611 ( a ) ( 1 ) ( A ), and 616617 have been violated by both the credit bureaus and furnishers who continue to report unverifiable and false information after I properly disputed them.

The reporting agencies have failed to : Conduct a full reinvestigation within 30 days as required by law.

Provide proper validation or documentation of the alleged debts.

Correct or delete unverifiable and outdated data.

Maintain reasonable procedures for ensuring accuracy.

REQUEST FOR ACTION BY CFPB I am requesting that the Consumer Financial Protection Bureau take the following actions : 1. Investigate Experian, XXXX, XXXX, and the listed furnishers for FCRA violations.

2. Order deletion of all unverifiable accounts, false addresses, and unauthorized inquiries.

3. Enforce compliance with the Fair Credit Reporting Act and hold the furnishers accountable for failure to verify.

4. Provide written confirmation that these inaccurate items have been permanently removed or corrected.

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