Consumer complaint received 2025-10-30 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: TN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and unlawful reporting practices associated with the accounts listed below. These items have caused significant harm to my credit reputation and have violated multiple consumer protection laws intended to ensure accuracy, fairness, and transparency in credit reporting. I have previously disputed these items directly with the credit bureaus and creditors ; however, no valid verification was provided, which is a clear violation of FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 623 ( 15 U.S.C. 1681s-2 ). 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX This address is not mine and has no valid link to any account. Reporting it violates FCRA 607 ( b ) and must be deleted immediately. Keeping this address on file falsely associates me with activities not related to me. 

XXXX XXXX XXXX XXXX, XXXX, TN XXXX I have never lived or used this address for credit purposes. Reporting this without proof violates 607 ( b ) and 611 ( a ). Please remove immediately as it is misleading and damaging. 

XXXX XXXX XXXX XXXXXXXX | Opened : XX/XX/XXXX | Balance : {$11000.00} Reported as a charge off without verified proof of ownership or documentation. This violates 611 ( a ) ( 1 ) ( A ). Continued reporting without legal validation harms my credit reputation. Remove immediately for noncompliance. 

XXXX | Opened : XX/XX/XXXX | Balance : {$5300.00} No verified record of this account or legal judgment exists. Reporting unproven data violates 607 ( b ) and 611 ( a ). Delete immediately for lack of verification and accuracy. 

XXXX | Opened : XX/XX/XXXX | Balance : {$12000.00} Inaccurate and unverifiable, violating 609 ( a ) and 611 ( a ). Reporting without valid documentation misrepresents my file and must be corrected or deleted at once. 

XXXX XXXX XXXX XXXXXXXX | Opened : XX/XX/XXXX | Balance : {$420.00} Reported as charge off with no proof of debt ownership or signed agreement. This violates FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ). The continued listing of unverified debt is misleading and damaging to my credit file. 

XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$380.00} Collection remains unverified with no proof from the original creditor. Violates FDCPA 809 ( b ) and FCRA 611 ( a ). Reporting unverifiable third-party debt is unlawful and must be removed immediately. 

XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} {$0.00} balance reported as charge off, creating false and conflicting data. Violates 607 ( b ) and 611 ( a ). This inconsistency misleads future creditors and must be deleted immediately. 

Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my consent or permissible purpose under FCRA 604 ( a ). I never authorized any credit access to this company. It violates my privacy and must be removed immediately. 

In conclusion, these actions have caused emotional distress, financial harm, and reputational damage. I am demanding immediate investigation, deletion of inaccurate accounts and inquiries, and confirmation of compliance within the time frame mandated by law. The continued presence of these errors on my credit file constitutes ongoing harm and direct violation of my consumer rights under federal law. I request the CFPB to take enforcement action to ensure these creditors and credit bureaus adhere strictly to the requirements of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

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