Consumer complaint received 2025-05-24 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 submitting this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by the XXXX XXXX XXXX XXXX. Despite prior disputes submitted to Equifax, Experian, and TransUnion, my credit reports continue to display incorrect addresses, an improperly reported charge-off and late payment account, and an unexplained hard inquiry. These unresolved inaccuracies are harming my credit profile and ability to access credit. 

XXXX. Inaccurate Address Listings ( FCRA 1681e ( b ) ) The following addresses are being reported on my credit file, even though I have never resided at or had any association with them 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 These addresses are completely inaccurate and their continued inclusion misrepresents my identity and violates the requirement to maintain " maximum possible accuracy '' in the preparation of consumer reports under 1681e ( b ). I have disputed these entries, yet they remain uncorrected.

2. Improper Account Status Reporting ( FCRA 1681s-2 and 1681i ) Two accounts on my report are either inaccurately reported or not verified upon dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account, opened XX/XX/XXXX with a reported balance of {$780.00}, is listed as a charge-off. I contest this status and have not received any proper validation or documentation confirming the accuracy of this derogatory reporting. 

XXXX XXXX, XXXX ( # XXXX ) * * Reported with a high balance of {$120.00}, opened XX/XX/XXXX, and reflecting late payments. I dispute the accuracy of the late payment notation, which does not align with my records. 

Despite prior written disputes and requests for investigation, these accounts continue to appear in their derogatory form, violating 1681i ( a ), which mandates that disputed items must be investigated and corrected or deleted if not verified within the statutory timeframe.

3. Unexplained Hard Inquiry ( FCRA 1681b ) XXXX XXXX XXXX  initiated a hard inquiry on XX/XX/XXXX. I did not authorize or initiate any credit application with this company around that date. This may constitute impermissible access to my credit report under 1681b, and the inquiry has had a negative impact on my credit score.

Relief Requested : I request the CFPB to enforce my rights under the FCRA and direct the credit reporting agencies to : Permanently delete all incorrect addresses listed above from my credit file. 

Remove or accurately update the disputed tradelines from XXXX XXXX and XXXX XXXX, including correcting any invalid charge-off or late payment references. 

Delete the unauthorized inquiry from XXXX XXXX XXXX  or provide documentation that proves consumer-initiated permission. 

Provide confirmation in writing that all actions have been completed as requested and in compliance with federal law. 

The ongoing inclusion of this inaccurate and derogatory information is unjustified, harmful, and in direct violation of federal statute. I respectfully request swift regulatory action to compel compliance and resolve these matters.

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