Consumer complaint received 2025-11-03 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: MD

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, being reported on my consumer credit reports by various furnishers and credit reporting agencies. These inaccuracies are causing significant harm to my creditworthiness and overall financial reputation.

Below are the specific issues I am disputing : 1. Wrong Address Reporting XXXX XXXX XXXX XXXX XXXXXXXX This address is not mine and has never been associated with me. The inclusion of this incorrect address on my credit file violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of information. I am requesting this address be immediately deleted from my file.

2. Charge-Off Accounts ( No Knowledge or Authorization ) XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} I have no knowledge or recollection of ever opening or authorizing any accounts with these entities. These accounts appear to be the result of identity theft, misreporting, or clerical error. Reporting these as valid charge-off accounts is inaccurate and violates FCRA 602 ( A ) and 623 ( a ) ( 1 ) ( A ).

I am requesting that these accounts be deleted in their entirety from all credit reports.

3. Late Payment Accounts ( Incorrect Payment History ) The following accounts are inaccurately reporting late payments, which is completely false. I have never made late payments on any of these accounts. These furnishers are in violation of FCRA 623 ( a ) ( 1 ) ( A ) for furnishing information known to be inaccurate or failing to verify disputed information. 

XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I am requesting the correction of these inaccuracies and that all late payment notations be removed immediately.

4. Collection Account ( Unrecognized Debt ) XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3200.00} I have no knowledge of this collection account. XXXX XXXX XXXX has not provided any documentation proving the validity or ownership of this alleged debt. Reporting this unverified collection account is a violation of FCRA 611 and 623.

I request that this account be deleted immediately due to failure to verify and improper reporting.

5. Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize any of these credit inquiries. Under FCRA 604, a consumer reporting agency may only furnish a report for permissible purposes. These inquiries were made without my consent and must be removed immediately.

Requested Resolution I am requesting that the CFPB investigate these violations and ensure that the credit reporting agencies and furnishers : Delete or correct all inaccurate and unverifiable information listed above.

Provide written confirmation of all corrections and deletions.

Ensure full compliance with the FCRA and hold the furnishers accountable for furnishing false or unverifiable information.

These inaccuracies have caused severe damage to my credit score and have interfered with my ability to obtain housing, credit, and employment opportunities. I am requesting the CFPBs immediate intervention to enforce my rights under the Fair Credit Reporting Act.

Thank you for your attention to this matter. I look forward to a prompt response confirming the 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