Consumer complaint received 2025-09-16 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 writing to file a formal complaint regarding numerous inaccuracies and potentially fraudulent entries appearing on my consumer credit reports. These errors are causing serious harm to my creditworthiness, financial opportunities, and overall reputation. Despite my attempts to dispute them directly with the credit reporting agencies, they have failed to be corrected. I request CFPBs immediate intervention under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to investigate and enforce corrections. 

XXXX. Incorrect Personal Information ( Wrong Addresses Reported ) The following addresses are incorrect and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting of wrong addresses is misleading and raises serious concerns about possible identity confusion or commingling of credit files.

2. Inaccurate/Erroneous Accounts Reported Several accounts have been wrongfully reported as late payments, charge-offs, or collections. I dispute the accuracy, ownership, and validity of the following accounts : 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 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX High Credit : {$470.00} Charge Off * * Many of these accounts appear duplicative, unverifiable, or reported inaccurately. Under the FCRA, furnishers and CRAs must provide documentation proving the validity of these debts, including signed agreements and payment histories. To date, no such validation has been provided. 

XXXX. Unverified Hard Inquiries The following hard inquiries were not authorized by me and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiries lower my credit score and violate my consumer rights when no permissible purpose exists. 

Requested Relief : I respectfully request that the CFPB : Investigate these inaccurate and unverified items with the credit reporting agencies and furnishers. 

Require deletion or correction of all accounts, addresses, and inquiries that can not be fully validated with documented proof. 

Ensure compliance with the Fair Credit Reporting Act ( FCRA ) and hold the reporting entities accountable for failing to maintain accurate consumer information.

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