Consumer complaint received 2025-11-20 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 complaint because multiple furnishers and credit reporting agencies ( CRAs ) are reporting inaccurate, unverified, and misleading information on my consumer credit reports. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically sections 602 ( A ), 607 ( B ), and 611 ( A ), which require full accuracy, proper verification, and fair handling of consumer disputes. 

Below are the erroneous items that MUST be investigated immediately : WRONG ADDRESSES ( NOT MINE ) The following addresses are being reported without my authorization. I have no connection to these locations : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX Address These addresses are false, misleading, and create a risk of identity misassociation. 

CHARGE-OFF & COLLECTION ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS Per my standing dispute request, any charge-off or collection account must be described as an account I have no knowledge of and can not verify as mine. 
Therefore, I am requesting full deletion of the following unverified accounts : XXXX XXXX XXXX XXXX  Charge Off High Balance {$3300.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Charge Off High Balance {$940.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Charge Off High Balance {$550.00} Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Off High Balance {$22000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Charge Off High Balance {$17000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Collection High Balance {$890.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$940.00} Opened XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX  Collection High Balance {$550.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection High Balance {$5100.00} Opened XX/XX/XXXX These furnishers have failed to prove ownership, liability, or any contractual relationship, and must be removed. 

FALSE LATE PAYMENTS I DISPUTE THE REPORTED PAYMENT HISTORY Per my standing instructions, any account listed as late payment is inaccurate, because I have never made a late payment on these accounts. 
I am requesting correction of the reporting, NOT deletion of the account. 

The following accounts are reporting false late payments : XXXX XXXX XXXXXXXX XXXX XXXX High Balance {$540.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Multiple Accounts ( Balances {$3500.00} ; {$6000.00} ; {$3500.00} ; {$6000.00} ; {$6000.00} ; {$4500.00} ; {$1000.00} ; {$1000.00} ; {$610.00} ; {$1600.00} ) Opened between XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX High Balance {$3000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$18000.00} Opened XX/XX/XXXX These entries must be corrected to reflect an on-time payment history. 

MY REQUEST UNDER FCRA I demand the following actions : Immediate deletion of all unverified charge-off and collection accounts that I have no knowledge of. 

Immediate correction of all false late payment reporting. 

Permanent removal of all wrong addresses from my consumer file. 

Full compliance with FCRA 611 ( a ), including : Proper reinvestigation Verification with actual documentation Written results sent within the required time frame If furnishers can not produce original signed contracts, complete account histories, or proof of liability, they must delete the items from all reports.

HARM SUFFERED These inaccuracies have caused significant : Credit score damage Denial of credit opportunities Emotional distress and financial hardship This is a serious violation of my consumer rights. 

CONCLUSION I am requesting that the CFPB step in to ensure the CRAs and furnishers comply with the law. 
I expect full investigation and correction of all inaccurate items listed above. 

Thank you for your attention.

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