Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
I am filing this formal complaint due to the presence of inaccurate, incomplete, and unauthorized information on my credit report that directly violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These inaccuracies have caused severe emotional distress and financial obstacles, particularly as I attempted to obtain transportation financing and was unfairly denied due to falsified credit data. 

Wrong Address : The following address is reporting on my credit profile, and it is false : XXXX XXXX XXXX, XXXX, SC XXXX I have never lived at or used this address. Its presence indicates a misfiled consumer report, mixed file issue, or unauthorized access to my identity profile, all of which violate FCRA 1681e ( b ), requiring credit reporting agencies to ensure accuracy. 

Inaccurate and Disputed Accounts : The following accounts are either falsely attributed to me, improperly reported, or unverifiable : XXXX XXXX XXXX, # XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} This account lists a late payment which I dispute. I did not authorize this tradeline, and there is no signed agreement or validation of this debt. 

XXXX XXXX XXXX XXXX, # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1.00} A late payment is reported inaccurately. I was not late, and no verification has been provided to justify this damage to my credit. 

XXXX XXXX XXXX ( XXXX ), # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} This account is both unverifiable and future-dated, which is legally invalid. This appears fabricated or erroneously timestamped and must be deleted under FCRA 1681c and 1681s-2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, Date Opened : XX/XX/XXXX, Balance : {$85.00} I have no account with XXXX XXXX XXXX XXXX. I have never received a bill or been contacted by XXXX XXXX XXXX regarding this account. 

XXXX XXXX XXXX, # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} This charge-off is listed without context or contractual evidence. As the balance is {$0.00}, it is both obsolete and misleading. 

XXXX, # XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00} An unexplained late payment remains on this closed and zero-balance account. It is outdated and punitive. 

XXXX XXXX, # XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1000.00} This collection is not mine. I never opened a XXXX XXXX account with this balance, and I was not notified or billed. 

Unauthorized Credit Inquiries : The following hard inquiries were made without my authorization or permissible purpose under FCRA 1681b : XXXXXXXX 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 inquiries have damaged my credit score and were not initiated or consented to by me, in clear violation of my privacy rights under the FCRA. 

Requested Relief : XXXX deletion of the false address listed above. 

Full removal of each of the above listed accounts due to inaccuracies, unverifiability, or unauthorized reporting. 

Deletion of all listed inquiries unless documented proof of permissible purpose is provided. 

Confirmation of corrective action within 30 days as provided under FCRA 1681i.

These violations of FCRA are harmful and willful. I am prepared to escalate with civil liability under 1681n if not addressed promptly.

Thank you for your immediate attention and action in restoring my consumer rights.

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