Consumer complaint received 2025-11-10 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 filing this formal complaint against the credit bureaus and the following furnishers for serious and ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The information being reported about me is inaccurate, incomplete, and misleading, and I have made multiple attempts to correct these errors without success. The entities listed below have failed to ensure accurate, verifiable, and complete reporting as required by federal law, and their actions have caused me harm, emotional distress, and financial injury. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address has no connection to me, and it has never been used for any financial or residential purpose. Continuing to associate this with my credit file is a violation of FCRA XXXX ( b ) which mandates accuracy. I demand its deletion from my file to prevent identity confusion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is being falsely reported and does not belong to me. Reporting a wrong address breaches FCRA 602A and 611 ( a ) as it misrepresents my personal data. I request immediate removal to restore accuracy. 

XXXX XXXX XXXX XXXX Charge Off High Balance : {$290000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account is reported as a charge off without any proof of ownership or original signed contract. Under FCRA 611 ( a ) ( 1 ) ( A ), you must verify accuracy through documented evidence. Continuing to report unverifiable information is a clear violation of FCRA 607 ( b ) and FDCPA 807 ( 8 ). Delete this account immediately as it can not be legally substantiated. 

XXXX XXXX XXXX Charge Off High Balance : {$520.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX The charge off status reported here is inaccurate and unproven. Under FCRA 611 ( a ) ( 5 ) ( A ) and FDCPA 809 ( b ), the furnisher must provide written validation. Since such proof has not been provided, this account must be deleted as its continued reporting violates federal consumer law. 

XXXX XXXXXXXX XXXX XXXX  Late Payment High Balance : {$2300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account has been falsely marked with late payments. No verifiable payment record or original billing statement was provided. According to FCRA 607 ( b ) and 611 ( a ), unverifiable data can not remain in my file. This false reporting must be corrected or deleted. 

XXXX XXXX XXXX XXXX Late Payment High Balance : {$5400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This entry contains false late payment data that could not be verified through any documented evidence. Under FCRA 602A and 611 ( a ), you are required to maintain accuracy and reinvestigate properly. Continuing to report unverifiable information breaches my rights under FDCPA 807 ( 2 ) ( A ). 

XXXX XXXX XXXX  Charge Off High Balance : {$60000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX The reported charge off is inaccurate and has not been supported by any signed contract or original documentation. Reporting such unverifiable debt violates FCRA 611 ( a ) and FDCPA 807 ( 8 ). This item must be deleted as it can not be proven to belong to me. 

XXXX XXXX XXXX  Late Payment High Balance : {$25000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX The alleged late payment entries are not verified or backed by any payment record. Failing to produce verifiable evidence violates FCRA 607 ( b ) and 611 ( a ). I am demanding this items deletion if you can not produce the required documentation. 

XXXX XXXX XXXX XXXXXXXX Late Payment High Balance : {$710.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This account is being reported with false late payment information. Under FCRA 602A and 611 ( a ) ( 1 ) ( A ), such unverified entries must be deleted immediately as they misrepresent my payment history. 

XXXX XXXX XXXX XXXX XXXX  Charge Off High Balance : {$31000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This charge off remains unverified. No original agreement, payment history, or validation has been provided to substantiate this debt. Reporting unverifiable data breaches FCRA 607 ( b ) and FDCPA 809 ( b ). Immediate deletion is required.

XXXX XXXX XXXX XXXX Collection High Balance : {$1700.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This collection account has not been validated. There is no original creditor documentation, proof of ownership, or consent. Reporting this violates FDCPA 807 ( 8 ) and FCRA 611 ( a ). It must be removed immediately. 

XXXX XXXX XXXX  Collection High Balance : {$780.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This is an unverified collection with no evidence or signed contract proving liability. Continued reporting violates FDCPA 809 ( b ) and FCRA 607 ( b ). I demand deletion within the reinvestigation period. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without my consent or permissible purpose. Under FCRA 604 ( a ) ( 2 ), such unauthorized access is illegal and must be deleted immediately. 

XXXX XXXX XXXXXX/XX/XXXX This unauthorized inquiry was performed without a valid application or permissible purpose, violating FCRA 604 ( a ) ( 3 ). I request prompt removal. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without any consent or application from me, constituting a violation of FCRA XXXX ( a ) ( XXXX ). Remove it immediately from my report. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and not supported by any documentation of consent. Its presence violates FCRA 604 ( a ) and must be deleted to restore the integrity of my credit profile.

I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into these matters and compel the responsible parties to delete the false address, remove the inaccurate charge-off account, and permanently remove the unauthorized inquiry from my credit report. I also request confirmation that appropriate corrective action has been taken in compliance with the FCRA and FDCPA. These violations have caused significant personal and financial harm, and I seek immediate redress.

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