Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
I am filing this formal complaint against several credit reporting agencies and furnishers for the inaccurate, unverifiable, and misleading information being reported on my credit file. Despite my previous disputes, the following entries remain on my report and continue to cause harm to my creditworthiness and reputation.

1. Inaccurate Personal Information The following addresses are not mine, have never been associated with me, and should not appear on my credit report : 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 These addresses are incorrect and misleading. I have no connection to them whatsoever, and their inclusion violates FCRA 607 ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report.

2. Unverified and Erroneous Accounts The following accounts are being reported inaccurately as charge-offs, collections, or delinquencies, yet I have no knowledge or record of ever opening or authorizing these accounts : XXXX XXXXXXXX XXXX XXXX XXXX  Charge Off High Balance {$1200.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Off High Balance {$740.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off High Balance {$1400.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Off High Balance {$310.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off High Balance {$760.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Off High Balance {$440.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX Charge Off Opened XX/XX/XXXX XXXX XXXX XXXX Charge Off High Balance {$2200.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Off High Balance {$18000.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Charge Off High Balance {$2100.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Collection High Balance {$620.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Collection High Balance {$140.00} Opened XX/XX/XXXX I have no knowledge or recollection of these accounts. These entries are false, unverified, and damaging. Under FCRA 611 ( a ) and 623 ( a ) ( 1 ) ( A ), all furnishers and credit bureaus are required to conduct proper reinvestigations and remove unverifiable information. Since these furnishers have failed to validate these accounts, they must be deleted immediately.

3. Incorrect Reporting of Late Payment XXXX XXXX XXXX XXXX  Reported Late Payment Opened XX/XX/XXXX This account is reporting inaccurate payment history. I have never made a late payment on this account. Reporting false delinquency violates FCRA 607 ( b ), as it reflects negligence in maintaining accurate data. I request that this accounts payment history be corrected to reflect an on-time status.

4. Inaccurate Public Record U.S. Bankruptcy Court XXXX Reported Bankruptcy Date Filed XX/XX/XXXX I have never filed for bankruptcy. This is a serious and defamatory inaccuracy. Reporting a false public record violates FCRA 605 ( a ) and 623 ( a ) ( 1 ) ( A ). This record must be immediately deleted.

5. Unauthorized Inquiries The following hard inquiries appear on my report, though I never authorized any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 604 ( a ) ( 2 ), no inquiry should be made without my written consent. These must be removed immediately.

Requested Action : I am requesting the CFPB to investigate these violations and ensure : Deletion of all unverifiable accounts and incorrect addresses. 

Correction of the XXXX late payment to never late.

Deletion of the false bankruptcy record.

Removal of unauthorized inquiries.

A full compliance review of the credit bureaus and furnishers involved for their failure to maintain accuracy and verify disputed data.

Conclusion : These repeated violations of the Fair Credit Reporting Act ( 15 U.S.C. 16811681i ) have caused severe harm to my credit, emotional distress, and reputational damage. I am requesting the CFPBs immediate intervention to ensure all entities involved correct and delete the inaccurate, unverifiable, and misleading data as required by federal law.

Please provide written confirmation of your investigation and any corrective actions taken.

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