Consumer complaint received 2025-12-01 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: MI

Complaint narrative:
To Whom It May Concern I am submitting this complaint because my credit report still contains inaccurate and unverified items even after disputes. These errors violate my rights under the FCRA and continue to harm me. I am requesting CFPB intervention to enforce compliance and require full verification or deletion. 

ADDRESS XXXX XXXX XXXX XXXX, MI XXXX This address does not belong to me, and there is no documentation connecting me to this location. Continuing to report an unverifiable address violates FCRA 602 ( A ) regarding accuracy, FCRA 607 ( B ) regarding reasonable procedures, FCRA 609 ( A ) ( 1 ) ( A ) regarding disclosure, and FCRA 611 ( A ) regarding reinvestigation. I request immediate deletion.

LAWS : FCRA 602 ( A ), FCRA 607 ( B ), FCRA 609 ( A ) ( 1 ) ( A ), FCRA 611 ( A ) ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment The late payment history is inaccurate because I have never submitted a late payment on this account. No supporting documentation has ever been provided to verify delinquency, and reporting unverified derogatory data violates FCRA 607 ( B ), 602 ( A ), 611 ( A ), and 609 ( A ) ( 1 ) ( A ). I request correction of the payment history.

LAWS : FCRA 602 ( A ), FCRA 607 ( B ), FCRA 611 ( A ), FCRA 609 ( A ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$38.00} Late Payment This late payment reporting is inaccurate. I have never made any late payment to XXXX  XXXX, and no permissible evidence has been provided under FCRA 611 ( A ). Continuing to report unverified negative payment data violates FCRA 602 ( A ), 607 ( B ), and 609 ( A ) ( 1 ) ( A ). I request correction of the payment history. 
LAWS : FCRA 602 ( A ), FCRA 607 ( B ), FCRA 611 ( A ), FCRA 609 ( A ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Late Payment This account reflects an inaccurate late payment that has never been verified with documentation. Reporting unproven delinquency violates FCRA 607 ( B ), FCRA 602 ( A ), and FCRA 611 ( A ). I request immediate correction. LAWS : FCRA 602 ( A ), FCRA 607 ( B ), FCRA 611 ( A ), FCRA 609 ( A ) ( 1 ) ( A ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payment The late payment information listed for this account is inaccurate because I have never been late. No evidence has been provided to support the derogatory data, violating FCRA 602 ( A ), 607 ( B ), 609 ( A ) ( 1 ) ( A ), and 611 ( A ). I request correction of the payment history.

LAWS : FCRA 602 ( A ), FCRA 607 ( B ), FCRA 611 ( A ), FCRA 609 ( A ) ( 1 ) ( A ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$150.00} Collection I have no knowledge of this account and no proof of any contractual obligation has been produced. Reporting a debt without proper validation violates FCRA 609 ( A ) ( 1 ) ( A ), 602 ( A ), 607 ( B ), and 611 ( A ). This item must be deleted.

LAWS : FCRA 602 ( A ), FCRA 607 ( B ), FCRA 611 ( A ), FCRA 609 ( A ) ( 1 ) ( A ) INQUIRY XXXXXXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. Remove it immediately as required under FCRA 604 ( A ) ( 2 ).

XXXX  : FCRA 604 ( A ) ( 2 ), FCRA 607 ( B ) XXXX XX/XX/XXXX This inquiry lacks permissible purpose and must be deleted. 
LAWS : FCRA 604 ( A ) ( 2 ), FCRA 607 ( B ) XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry, no permissible purpose. Remove immediately. 
LAWS : FCRA 604 ( A ) ( 2 ), FCRA 607 ( B ) XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is not authorized and violates FCRA 604 ( A ) ( 2 ). Remove it. 
LAWS : FCRA 604 ( A ) ( 2 ), FCRA 607 ( B ) I request full investigation and removal of any item that can not be verified with documented proof. Thank you for your attention.

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