Consumer complaint received 2025-10-14 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:
I am filing this complaint because multiple credit reporting agencies are inaccurately reporting false, unverifiable, and damaging information on my consumer credit profile. These inaccuracies are directly violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as the information being reported is neither accurate, complete, nor fairly verified. 

1. Wrong/Unverified Addresses Reported The following addresses are incorrect and must be deleted immediately as they do not belong to me and are being falsely linked to my consumer file : XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX The presence of these addresses constitutes mixed file errors and violates FCRAs requirement of maximum accuracy. 

2. Erroneous & Unverified Accounts ( Charge-Offs ) The following accounts are being reported as charge-offs without proper verification, documentation, or chain of custody of debt : XXXX XXXX XXXX XXXX  XXXX Balance : {$610.00} Opened XX/XX/XXXX XXXX XXXX XXXX * * High Balance : {$100.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  High Balance : {$920.00} Opened XX/XX/XXXX XXXX XXXXXXXX * * High Balance : {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  High Balance : {$260.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$45000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$25000.00} XXXX XX/XX/XXXX These accounts appear erroneous, unverifiable, and inaccurate. Some report {$0.00} balances yet marked as charge-offs, which is contradictory and misleading. 

3. Bankruptcy Reporting Errors The following bankruptcy records are being reported inconsistently and inaccurately : XXXX XXXX XXXX XXXX  XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX The reporting lacks clarity, proper case verification, and may be duplicated entries, further harming my consumer report. 

4. Unwarranted & Excessive Hard Inquiries The following inquiries were placed without my knowledge, authorization, or permissible purpose under FCRA 604 : XXXX XXXX XXXX XX/XX/XXXX Global Lending Service XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Credit XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX These inquiries are unverified and unauthorized and must be removed immediately. 

Requested Relief I am demanding the following corrective actions under FCRA : Immediate deletion of all wrong addresses not belonging to me. 

Deletion of all charge-off accounts that can not be fully verified with original signed contracts, complete payment history, and chain of assignment. 

Correction or removal of duplicate/erroneous bankruptcy records. 

Deletion of all unauthorized hard inquiries that lack permissible purpose. 

Written confirmation of corrective actions taken by the reporting bureaus. 

Failure to act will force me to escalate this complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and pursue legal remedies under FCRA 616 and 617 for damages.

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