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: GA

Complaint narrative:
I am submitting this formal complaint against the credit bureaus and furnishers who have violated the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by reporting and maintaining inaccurate, incomplete, and unverified information on my credit report. I have previously disputed these items directly with the bureaus, yet the accounts remain without proper verification or validation as required by law. These actions have caused harm to my credit reputation, financial well-being, and have restricted access to fair credit opportunities. I am requesting immediate investigation and corrective actions, including deletion of all unverifiable and inaccurate accounts and inquiries listed below. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This address is completely inaccurate and not connected to me. Reporting a false identifying address violates FCRA XXXX ( B ), as it does not ensure the maximum possible accuracy. This must be deleted immediately to prevent further confusion and mixed files. 

XXXX XXXX XXXX CT XXXX, GA XXXX This address was never part of my verified residence history. Under FCRA XXXX ( A ) ( XXXX ) and XXXX ( A ) ( XXXX ), the bureau is required to verify address accuracy or remove it when unverifiable. Reporting false location information compromises the integrity of my credit file. 

ACCOUNTS : DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} This account shows late payments that were never verified. The data furnisher failed to provide supporting documentation as required under FCRA XXXX ( A ) ( XXXX ). Continuing to report unverified late information violates XXXX ( A ) ( XXXX ) and damages my credit integrity. 

DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} This account reflects incorrect delinquency data. The reporting furnisher has not proven the accuracy of these claims, and failure to verify constitutes noncompliance under FCRA XXXX ( B ). Inaccurate payment reporting must be deleted.

DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} This account includes false late marks that were not validated upon request. Under FCRA XXXX ( A ) ( XXXX ), unverifiable information must be deleted. Continued reporting is misleading and in direct violation of consumer protection laws. 

DEPT OF ED/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} The payment history shown is inconsistent and unverifiable. The furnisher provided no proof or record of the alleged delinquencies, violating FCRA XXXX ( A ) ( XXXX ) and XXXX ( A ) ( XXXX ). Immediate deletion is required. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} This charge-off remains unverified after my first dispute. The furnisher failed to validate any contractual obligation under XXXX ( A ) ( XXXX ). Continued reporting of this item constitutes willful noncompliance under XXXX ( A ). 

XXXX XXXX BANK XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} This account is being reported as a collection without any legal validation or documentation. Under FCRA XXXX ( A ), unverifiable information must be deleted. This false collection is misleading, unfair, and in violation of federal consumer reporting standards. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} This account was never verified by the furnisher. The charge-off reporting violates XXXX ( B ) as no evidence was provided that this debt was accurately reported. The absence of documentation requires immediate deletion under XXXX ( A ) ( XXXX ). 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} This charge-off was disputed previously with no valid proof of ownership or payment history provided. Continuing to report unverifiable data breaches XXXX ( A ) ( XXXX ) and XXXX ( B ). 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} This account reports inaccurate information and remains unvalidated. Reporting entities must verify accounts under XXXX ( A ), and failure to do so means this charge-off must be removed from my file. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} This charge-off is inaccurate and has not been verified. No proof of contract, billing, or payment history was submitted. Reporting unverifiable information violates XXXX ( A ) ( XXXX ) and XXXX ( B ). 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} This collection is being reported without any legal validation or proof of ownership. Reporting a third-party debt without verifiable documentation violates FCRA XXXX ( A ) ( XXXX ). Immediate deletion is required as this data is unsubstantiated. 

INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without my knowledge or consent. Under FCRA XXXX ( A ) ( XXXX ), inquiries require a permissible purpose. This violation demands immediate removal. 

XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry was unauthorized and lacks permissible purpose. Reporting such inquiries without consent is a violation of XXXX ( A ) ( XXXX ) and must be deleted from my file. 

XXXX XXXX XX/XX/XXXX No authorization was granted for this inquiry. As stated in XXXX ( A ), inquiries without permissible purpose are unlawful and must be deleted immediately. 

XXXX XX/XX/XXXX This inquiry was performed without my permission or any credit application. Under FCRA XXXX ( A ) and XXXX ( A ), you are required to ensure all inquiries are lawfully obtained. Remove this immediately. 

These actions collectively demonstrate clear negligence and disregard for the legal obligations set forth under federal consumer protection laws. The continuous reporting and failure to verify, validate, and remove these inaccurate accounts and inquiries have caused damage to my creditworthiness and emotional distress. I demand that the CFPB take immediate action to compel the credit bureaus and furnishers to delete these unverifiable and unauthorized items from my credit report, provide written confirmation of deletions, and ensure compliance with the FCRA and FDCPA.

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