Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
b'I am submitting this formal complaint against the credit reporting agencies and the listed furnishers for reporting inaccurate, unverified, and unauthorized information on my credit reports. Despite previous disputes, these items continue to appear and are causing ongoing harm.\n\n1. WRONG / FRAUDULENT ADDRESSES\n\nThe following addresses do not belong to me and have never been associated with me in any way:\XXXX XXXX XXXX XXXX XXXX XXXX   Wrong Address\XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\n\nThese addresses are incorrect, unauthorized, and indicative of possible mixed files or identity fraud.\nI am demanding immediate deletion of all three addresses from my credit profile.\n\n2. CHARGEOFF & COLLECTION ACCOUNTS  I HAVE NO KNOWLEDGE OF THESE ACCOUNTS\n\nThe following accounts are being reported as charge-offs or collections.\nI do not have any knowledge of these accounts, have never opened them, and they cannot be verified as belonging to me:\XXXX XXXX  Chargeoff  BalanceXXXX XXXX XXXX   Collection  Balance: XXXX XXXX  Collection  High Balance: XXXX XXXX   Collection  High Balance: XXXXThese accounts appear to be fraudulent, inaccurate, and unverifiable.\nUnder the FCRA  602A, 604, 607, and 609, I am demanding:\n\nFull method of verification\n\nAll supporting application documents with my signature\n\nImmediate deletion if the furnisher cannot prove ownership\n\nSince I have no knowledge of these accounts, they must be removed immediately.\n\n3. LATE PAYMENT REPORTING  FALSE AND UNVERIFIED\n\nThe following creditors are reporting late payments, which is 100% false.\nI have never made a late payment, and the reporting is inaccurate:\n\nXXXX XXXX XXXX   Balance: XXXX   Late Payment\n\nXXXX XXXX XXXX  Balance: XXXX   Late Payment\n\nXXXX XXXX XXXX   Balance: XXXX  Late Payment\n\XXXX XXXX   BalanceXXXX XXXX   Late Payment\n\nThese furnishers are reporting incorrect payment history, which violates:\n\nFCRA  607(b)  Duty of Accuracy\n\nFCRA  611  Requirement for Reinvestigation\n\nI am requesting:\n\nImmediate correction of all false late-payment history\n\nVerification documentation proving each reported late payment (which they cannot provide)\n\nRequested Action by CFPB\n\nI am requesting the CFPB to compel the credit bureaus and furnishers to:\n\nRemove all incorrect addresses.\n\nDelete all charge-off and collection accounts I have no knowledge of.\n\nCorrect all false late-payment reporting.\n\nProvide full verification evidence for each disputed item.\n\nThese errors are materially harming my creditworthiness and violate multiple provisions of the Fair Credit Reporting Act.\n\nThank you for your prompt attention to this matter. Please provide written confirmation of all 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