Consumer complaint received 2025-11-07 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:
I am submitting this formal complaint regarding multiple serious inaccuracies appearing on my credit report, which have not been properly investigated or corrected by the credit reporting agencies or data furnishers. These errors are causing significant harm to my credit reputation and directly violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 1. Inaccurate Personal Information Wrong Addresses The following addresses appearing on my credit file are incorrect and have no association with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are completely wrong, and I have never resided or received mail at these locations. Their continued presence creates confusion and indicates that my credit file may be mixed or compromised.

2. Charge-Off and Collection Accounts I Have No Knowledge Of The following accounts are reported as Charge Offs or Collections, but I have no knowledge of ever opening or authorizing these accounts XXXX XXXX XXXX XXXX XXXX XXXX Charge Off, High Balance {$130000.00}, Date Opened XX/XX/XXXX XXXX XXXXXXXX Charge Off, High Balance {$0.00}, Date Opened XX/XX/XXXX XXXX XXXX XXXX Charge Off, High Balance {$0.00}, Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Charge Off, High Balance {$0.00}, Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Charge Off, High Balance {$32000.00}, Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Collection, High Balance {$210.00}, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Collection, High Balance {$4400.00}, Date Opened XX/XX/XXXX These accounts appear to be fraudulent, unverifiable, or inaccurately reported, and I do not recognize or owe any of them. Reporting such unverified accounts violates FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ) and 1681i ( a ) ( failure to properly investigate disputed information ).

3. Incorrect Payment Reporting XXXX XXXX XXXX Late Payment, High Balance {$240.00}, Date Opened XX/XX/XXXX This account is being reported with a late payment, which is entirely false. I have never made any late payments on this account, and this false reporting must be corrected immediately. 

4. Multiple Hard Inquiries Without Authorization The following inquiries were not authorized by me and must be removed as unauthorized credit pulls under FCRA XXXX : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize any of these companies to pull my credit report, and such inquiries must be deleted immediately. 

Requested Resolution I request that the CFPB conduct a thorough investigation into the actions of the credit reporting agencies and furnishers involved. Specifically, I demand : Immediate deletion of all unverified charge-off and collection accounts listed above.

Correction or deletion of the false late payment from XXXX XXXX. 

Removal of all unauthorized credit inquiries. 

Permanent deletion of all incorrect addresses from my credit file. 

Written confirmation of each corrective action taken. 

These inaccuracies are damaging my creditworthiness and causing severe emotional and financial distress. I expect full compliance with the FCRA and an acknowledgment of this complaint within the legally required time frame. 

Thank you for your prompt attention to this matter.

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