Consumer complaint received 2025-08-05 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 writing to formally dispute and request the immediate deletion of numerous inaccurate, unverifiable, and unauthorized entries currently reporting on my credit file. These errors have severely damaged my creditworthiness, caused undue stress, and hindered my ability to access financial services. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S. Code 602 ( A ), 607 ( B ), and 611 ( A ) I demand a full reinvestigation of each of the following entries and the removal of those that can not be verified with accurate documentation.

To begin with, my credit file is reporting two addresses that are completely inaccurate and do not belong to me at any point in my history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are not associated with my residence or credit activity. The inclusion of incorrect addresses violates FCRA 607 ( b ), which requires Experian to follow reasonable procedures to ensure maximum possible accuracy. Their presence suggests possible file mixing or identity confusion. I demand that these addresses be immediately removed from my file. 

Additionally, there are several charged-off accounts being reported that I dispute as inaccurate or unverifiable. These include : XXXX XXXX ( Account Ending in XXXX ), opened on XX/XX/XXXX, with a balance of {$500.00} XXXX ( Account Ending in XXXX ), opened on XX/XX/XXXX, with a balance of {$8400.00} XXXX XXXX XXXX  XXXX ( Account Ending in XXXX ), opened on XX/XX/XXXX, with a balance of {$860.00} XXXX XXXX ( Account Ending in XXXX ), opened on XX/XX/XXXX, with a balance of {$4500.00} XXXX XXXX ( Account Ending in XXXX ), opened on XX/XX/XXXX, with a balance of {$0.00} These accounts are being reported as charge-offs despite their recent opening dates, which raises questions about proper verification and substantiation by the creditors. In particular, XXXX XXXX is reporting a charge-off status with a {$0.00} balance, which is misleading and damaging to my credit profile. Under FCRA 611, I have the right to dispute any inaccurate information. These accounts must either be fully verified with original signed documentation or removed immediately.

I am also seeing two collection accounts that I do not recognize and for which I have never received validation notices : XXXX XXXX XXXX ( Account Ending in XXXX ), opened on XX/XX/XXXX, with a balance of {$1600.00} XXXX ( Account Ending in XXXX ), opened on XX/XX/XXXX, with a balance of {$1100.00} These debts were never communicated to me in writing or validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ). If these collection agencies failed to notify me or provide verification, then reporting these accounts to Experian without fulfilling legal obligations is a direct violation of both the FDCPA and FCRA 607 ( a ). 

Lastly, there are multiple unauthorized inquiries on my Experian report which I did not initiate or consent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize these companies to access my credit report. As stated in FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only provide a credit report for a permissible purpose. If these companies can not provide documentation showing that I gave written permission or initiated a credit application, these inquiries are in violation of the law and must be deleted.

I request that Experian conduct a complete reinvestigation of all the items listed above. If you are unable to verify them with reliable and accurate documentation from the data furnishers, you are required under FCRA 611 ( a ) ( 5 ) to delete them from my credit report. Please provide me with the results of your investigation in writing, including what documentation was used to verify each item. 

If you fail to comply with this request, I will not hesitate to escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my consumer rights.

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