Consumer complaint received 2025-08-02 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: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding multiple serious inaccuracies and unauthorized activities reflected in my credit reports across major consumer reporting agencies. Despite previous attempts to resolve these matters, I am still facing the same issues. I respectfully request the CFPBs immediate intervention to investigate and resolve the following : Addresses Disputed XXXX XXXX XXXX XXXX, MI XXXX Issue : Another inaccurate address that I have no association with, reported without my consent.

Law : FCRA 1681i ( a ) mandates reinvestigation and correction of disputed inaccuracies. Continuing to report false address data is a violation.

Story : This address compounds confusion for potential creditors and damages my credit reliability. I have never lived, rented, or conducted any business here. Its presence in my credit file jeopardizes my creditworthiness and privacy. 
Accounts Disputed XXXX XXXX ( Account XXXXXXXX XXXX XXXX, Opened XX/XX/XXXX, Balance : {$27000.00} ) * * Issue : Multiple late payments reported inaccurately. I dispute all reported late payments on this account.

Law : Under FCRA 1681i ( a ), disputed items must be fully verified. If the furnisher fails to validate, the inaccurate data must be removed. Additionally, FDCPA 15 U.S.C. 1692e prohibits false representations during debt collection.

Story : I have maintained timely payments and have documentation to prove my compliance. The reporting of these late payments is incorrect and unjustly harms my credit score. I demand full verification or deletion of this false data immediately. 
XXXX XXXX ( Account XXXXXXXX XXXX XXXX, Opened XX/XX/XXXX, Balance : {$1400.00} ) * * Issue : Account incorrectly marked as charge off. This is false and unverified. 
Law : FCRA 1681s-2 ( b ) obligates furnishers to promptly update and correct inaccurate information after notice of dispute.

Story : This charge off status appears without valid cause. I have contacted the creditor, and they have no record supporting this charge off. This erroneous status causes severe damage to my creditworthiness and must be removed. 
XXXX XXXX ( Account XXXXXXXX XXXX XXXX, Opened XX/XX/XXXX, Balance : {$0.00} ) * * Issue : Late payments reported that I dispute. I have proof of timely payment.

Law : FCRA 1681i mandates reinvestigation of disputed items and correction of errors. Continuing to report inaccurate delinquencies is a violation of FCRA and unfair credit reporting practices.

Story : This inaccurate negative reporting falsely depicts me as delinquent and reduces my chances of obtaining credit. I demand immediate reinvestigation and correction.

Unauthorized Credit Inquiries Disputed The following inquiries were made without my knowledge or authorization and are therefore unauthorized and unlawful under FCRA : XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) Issue : No written or verbal consent was given by me for these credit checks. The inquiries lack permissible purpose, violating FCRA 604 ( a ) ( 3 ) ( A ).

Law : FCRA requires a permissible purpose for any hard inquiry on a consumers credit report. Unauthorized inquiries must be deleted promptly.

Story : These inquiries have unfairly lowered my credit score and invaded my privacy. I never applied for credit or authorized these checks. Their presence on my report is fraudulent and misleading.

Resolution Sought : 1. Immediate investigation into all the above-listed inaccurate items.

2. Permanent removal of the two false addresses from my credit profile.

3. Removal or correction of the three disputed accounts based on verification results.

4. Removal of all unauthorized hard inquiries listed above.

5. Written confirmation of the resolution from each involved consumer reporting agency.

This situation has caused me great XXXX  and has seriously harmed my financial standing and peace of mind. I urge the CFPB to treat this matter as urgent and ensure the responsible parties comply with their obligations under federal law. 
Thank you for your time and assistance

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