Consumer complaint received 2025-08-31 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:
To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau because my credit report contains multiple inaccuracies and unlawful reporting practices that violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. These are not clerical mistakes but serious violations that continue to cause me denial of credit, higher interest rates, emotional distress, and reputational harm. 

Despite my previous disputes, both the credit reporting agencies and furnishers have failed to correct or validate the information. Below, I provide a detailed list of the problematic entries, the issues, the laws violated, and how each error has harmed me : Wrong Address Entries XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, IL XXXX Wrong Address XXXX XXXX XXXX, XXXX, WI XXXX Wrong Address Issue : False address reporting not connected to me. 

Law : FCRA 607 ( b ) and 611 require maximum accuracy and reinvestigation of disputed data. 

Story : These addresses have never been mine, yet they appear on my report. This creates the misleading appearance of fraud, mixed files, or identity theft. These false addresses damage my credibility and compromise my ability to secure housing and credit. 

XXXX XXXX Open Date : XXXX XXXX, XXXX | High Credit : {$2000.00} Issue : Inaccurate and unverifiable account reporting. 

Law : FCRA 611 requires deletion of unverifiable information. 

Story : Despite multiple disputes, no proof of this account has been provided. Without a signed contract or payment record, this account can not lawfully remain. Its presence portrays me as carrying a delinquent debt, harming my ability to obtain new credit lines. 

XXXX XXXX Open Date : XX/XX/XXXX | High Credit : {$500.00} Issue : Unverified account. 

Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate data. 

Story : I have never received documentation validating this debt. Reporting without validation misrepresents my financial obligations, lowers my score, and misleads potential lenders. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX | High Balance : {$590.00} Issue : Balance discrepancies and lack of validation. 

Law : FCRA 607 requires accuracy ; 611 requires reinvestigation.

Story : This account shows inconsistent reporting that does not align with my history. The failure to provide supporting records proves it is unverifiable and unlawfully harming me. 

XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX | High Credit : {$3000.00} Issue : Inaccurate account details. 

Law : FCRA 607 ( b ).

Story : The account information is inconsistent and unverifiable. Continued reporting of these inaccuracies damages my credibility with lenders and misrepresents my financial behavior. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX | High Balance : {$2300.00} Issue : Reporting without proof. 

Law : FDCPA 809 ( b ) requires debt validation ; FCRA 611 requires deletion of unverifiable information.

Story : The furnisher has never produced original contracts, billing statements, or any proof of this debt. Continuing to report without validation is unlawful and damaging. 

XXXX XXXX  XXXX Open Date : XXXX XXXX, XXXX | High Balance : {$400000.00} Issue : False and grossly inflated balance reporting. 

Law : FCRA 607 ( b ) requires maximum accuracy.

Story : I have never had such a large account or balance. This appears to be a case of mixed files or fraudulent reporting. The outrageous balance portrays me as financially reckless and prevents me from accessing credit opportunities. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$1400.00} | Collection Issue : Debt buyer reporting with no proof. 

Law : FDCPA 809 requires validation of debts ; FCRA 611 requires reinvestigation.

Story : LVNV is not the original creditor. They have provided no chain of title, contract, or statements. Reporting this account without validation is unlawful and misrepresents me as owing money I may not owe. 

Credit Coll XXXX Date Opened : XX/XX/XXXX | High Balance : {$400.00} | Collection Issue : Unverified collection account. 

Law : FDCPA 807 prohibits false representation ; 809 requires validation. Story : The furnishe
r has not provided proof of ownership of this alleged debt. Reporting it continues to harm my financial reputation. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | High Balance : {$210.00} | Collection Issue : Inaccurate and unvalidated debt. 

Law : FDCPA 809 ( b ), FCRA 611.

Story : This entry remains without validation. It creates the impression of delinquency and lowers my score unfairly. 

Unauthorized 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 Issue : Hard inquiries conducted without permissible purpose. 

Law : FCRA 604 requires consumer authorization for access.

Story : I never gave these entities permission to pull my credit. These inquiries lower my score and constitute an invasion of privacy.

Relief Requested I respectfully request that the CFPB investigate these violations and compel the credit reporting agencies and furnishers to : Delete all unverifiable, duplicate, and inaccurate accounts. 

Remove all unauthorized and impermissible inquiries. 

Ensure strict compliance with FCRA 607, 611, 623 and FDCPA 807809.

Provide me with written confirmation of corrective actions taken.

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