Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
To Whom It May Concern, this is a formal complaint against the inaccurate and unauthorized reporting of certain items on my credit profile which have caused significant damage to my creditworthiness and violated multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting an immediate investigation, deletion, and written confirmation of the results in compliance with the law. The following items are being disputed. 

ADDRESSES XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This address is not associated with any verified account or contract under my name. According to FCRA 607 ( B ), consumer reporting agencies must ensure maximum possible accuracy, which includes verifying each address listed. I never authorized or resided at this location, and its continued presence suggests inadequate verification. Remove immediately as it violates FCRA 611 ( A ) requiring prompt correction of inaccurate data. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address is completely unrelated to me. I have never lived, received mail, or signed any document tied to this residence. Reporting unverifiable addresses creates confusion and risk of mixed files, which breaches FCRA 602 ( A ) and 607 ( B ). Under 611 ( A ), you are obligated to reinvestigate and delete unverifiable addresses. 

ACCOUNTS STATE EMPLOYEES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment XXXX XXXX This account was reported with late payments that are unverified and unsupported by original documentation. I have never received written proof showing any valid delinquency notice, billing statement, or contractual evidence. Reporting late payments on a closed account with a {$0.00} balance violates FCRA 607 ( B ) and 611 ( A ) ( 1 ) ( A ) since it demonstrates failure to maintain accurate, verifiable records. The account must be corrected or removed for failure to meet documentation standards under FCRA 623 ( A ) ( 1 ) ( D ). 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Charge-Off XXXX XXXX This alleged charge-off is being reported inaccurately and without verifiable proof. No original creditor statement, signed agreement, or official notice was ever provided to validate the charge-off. The continued reporting of this information is a direct violation of FCRA 602 ( A ) ( ensuring fairness and accuracy ), 607 ( B ) ( duty to maintain accurate data ), and 611 ( A ) ( duty to reinvestigate disputed information ). Under 623 ( B ), furnishers must conduct a good faith reinvestigation and delete unverifiable information. Failure to do so constitutes willful noncompliance. 

INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was not authorized by me, nor was any credit application submitted to warrant them. According to FCRA 604 ( A ) ( 3 ), a consumer reporting agency may only furnish a consumer report with permissible purpose and consumer consent. This inquiry was done without my knowledge or approval and constitute an invasion of privacy and a willful violation under FCRA 616 and 617. Remove this unauthorized inquiry immediately, as they negatively impact my creditworthiness and violate my rights under federal law. 

These inaccurate items have collectively caused severe harm to my credit profile, impacting my ability to obtain fair credit opportunities, loans, and housing. Under FCRA 611 ( a ) ( 5 ), the agencies must delete or correct any item found to be inaccurate or unverifiable. I am demanding immediate investigation and removal of the above-listed accounts and inquiries from my report. Continued noncompliance will compel me to pursue further legal and regulatory actions to protect my rights under federal law.

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