Consumer complaint received 2025-09-13 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: MS

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ). My credit report contains multiple inaccurate addresses, late payments, charge-offs, collection accounts, and unauthorized inquiries. These inaccuracies have caused significant financial, personal, and emotional harm, and I dispute them fully. I demand immediate correction or deletion unless proper lawful validation is provided. 
XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX Wrong Address This address is not mine and never has been. By keeping it on file, the credit bureaus are suggesting that I may have lived or applied for credit there. That is completely false. I never received mail or conducted any financial activity at this address. I strongly believe this kind of inaccurate reporting puts me at risk for identity theft investigations or fraud suspicion. Under FCRA 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy. Keeping this address on my report is a violation of that standard. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Wrong Address This address creates a highly misleading record on my report. I never lived at this property, never applied for credit there, and have no connection to anyone at that address. Reporting this makes it appear as though I have multiple residences and potentially multiple financial profiles, which can cause serious problems when lenders evaluate me. In reality, this is false and negligent reporting. This error may have come from a creditor carelessly mixing my file with someone elses. Under FCRA 1681i, the bureaus are required to reinvestigate and correct these errors once disputed. 
XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$4500.00} Date Opened : XX/XX/XXXX Charge Off I dispute this account as inaccurate and unverifiable. I was never provided with any signed contract, original agreement, or proper validation proving that I owe this alleged debt. Despite requesting proof, the creditor and bureaus have continued to report it as a charge-off. Reporting without verification is a direct violation of FCRA 1681s-2. Furthermore, this charge-off has lowered my credit score significantly, preventing me from obtaining fair credit opportunities. I believe this account either belongs to someone else or was mishandled by the furnisher, and it must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$480.00} Date Opened : XX/XX/XXXX Charge Off This Blaze account is highly questionable. I do not recall authorizing or signing any contract for this account. No creditor has ever mailed me proper validation or a breakdown of charges. Reporting this as a charge-off without supporting documentation violates both FCRA and FDCPA 807 ( 8 ), which prohibits false credit reporting. The continued presence of this account makes it appear as though I failed to pay a credit obligation, when in fact, no proof exists that this account even belongs to me. This is misleading, harmful, and must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$790.00} Date Opened : XX/XX/XXXX Charge Off This account is disputed because it is incomplete, inaccurate, and unverifiable. The furnisher has failed to provide evidence of my ownership or liability. Without a signed agreement or payment history that actually links to me, this account is simply hearsay reporting. The charge-off status unfairly suggests financial irresponsibility when the truth is that the creditor can not prove I am responsible. This is in direct violation of FCRA 1681e ( b ), which requires maximum accuracy in reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$1600.00} Date Opened : XX/XX/XXXX Charge Off This account from XXXX is being reported as a charge-off. I dispute this because the reporting is inaccurate and unverifiable. I have repeatedly requested validation of this debt, including the original contract, account statements, and proof of ownership, but have never received any. Under FDCPA 809 ( b ), debt collectors must provide validation of a debt when requested. Reporting without validation violates my consumer rights. This account is harming my creditworthiness without legal justification and must be deleted. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$4300.00} Date Opened : XX/XX/XXXX Charge Off This account is being reported as a charge-off. I dispute its accuracy because I never received validation of this debt, nor any original signed contract linking me to it. Reporting a charge-off without proper verification is a violation of FCRA 1681s-2 and FDCPA 807 ( 8 ). This negative mark has severely impacted my creditworthiness, preventing me from obtaining fair credit opportunities. Without full documentation and lawful proof, this account must be deleted. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$160.00} Date Opened : XX/XX/XXXX Charge Off This Affirm account is being reported as charged off. I strongly dispute this because no signed loan agreement, payment history, or validation has been provided. Reporting a charge-off on a small balance without verification is misleading and unlawful. Under FDCPA 809 ( b ), I have the right to debt validation, which has not been honored. Therefore, this item must be removed. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Charge Off I dispute this Affirm account as inaccurate. No valid contract or loan documents have ever been produced to prove this debt is mine. The continued reporting of a charge-off harms my reputation and credit score, violating FCRA 1681is reinvestigation requirements. Without evidence, this furnisher is reporting false information and must delete this account immediately. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$180.00} Date Opened : XX/XX/XXXX Charge Off This account is another Affirm charge-off that I dispute. I never authorized this debt, and no proof has been provided to validate ownership. Keeping this on my report is misleading, inaccurate, and unlawful. Under FCRA, inaccurate accounts that can not be verified must be deleted. I demand immediate removal of this item. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$270.00} Date Opened : XX/XX/XXXX Charge Off I dispute this Affirm charge-off. The furnisher has failed to provide any verification or original agreement. Reporting without validation violates my rights under both FCRA and FDCPA. This account unfairly portrays me as delinquent and causes financial harm. Since the creditor can not prove its legitimacy, it must be deleted from my report. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$25000.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments that I strongly dispute. Santander has not provided billing statements or payment history proving that these alleged lates are accurate. Reporting such derogatory information without proof is a violation of FCRA 1681e ( b ), which requires maximum possible accuracy. These false lates damage my reputation as a borrower and make it appear as if I am financially irresponsible, which is not true. If XXXX can not provide full documentation, these late payments must be deleted. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$33000.00} Date Opened : XX/XX/XXXX Charge Off This XXXX XXXX account is listed as a charge-off. I dispute this because no contract, loan history, or payment breakdown has been provided to show this account belongs to me. Reporting a charge-off without verification is misleading and unlawful under FCRA 1681s-2 and FDCPA 807 ( 8 ). This is a major derogatory mark that unfairly lowers my creditworthiness and affects my ability to obtain auto loans in the future. Without proper validation, this account must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1600.00} Date Opened : XX/XX/XXXX Collection This account is another XXXX Funding collection that I dispute as inaccurate. XXXX has a history of purchasing old or unverifiable debts and reporting them without proper validation. No original creditor documents or signed agreements have ever been produced. Reporting without verification is a violation of both FCRA and FDCPA. This account is misleading, harmful, and must be permanently deleted. 
XXXX XX/XX/XXXX XXXX This inquiry is unauthorized. I never applied for credit with XXXX XXXX on this date. Under FCRA 604 ( a ) ( 3 ), credit inquiries must be based on a permissible purpose. Since I never gave authorization, this inquiry is a violation and must be deleted. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I dispute this inquiry as unauthorized. I did not apply for credit with XXXX on this date. Reporting this inquiry without my consent violates FCRA permissible purpose rules. It lowers my credit score unfairly and creates the appearance that I am aggressively seeking credit, which is false. This inquiry must be removed. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry is not mine. I never authorized XXXX XXXX XXXX to access my credit report. Unauthorized inquiries violate FCRA 604 and damage my credit standing by making me look high-risk. This must be deleted. 
XXXX XXXX XXXXXX/XX/XXXX Inquiry I dispute this inquiry. I never applied with XXXX XXXX on this date. This was done without my knowledge or consent. Under FCRA, consumer reporting agencies can not allow access to my credit report without a legitimate purpose. This inquiry must be deleted. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. XXXX XXXX has no permissible purpose to pull my credit file. This violates FCRA standards and harms my report by creating the false appearance that I am applying for multiple auto loans. This must be removed. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry is disputed as unauthorized. I never gave permission for XXXX XXXX XXXX XXXX my credit report. Unauthorized inquiries harm my creditworthiness and violate federal law. This must be removed. 
Conclusion All the above addresses, charge-offs, late payments, collections, and inquiries are inaccurate, unverifiable, and harmful. They violate FCRA and FDCPA, misrepresent my financial responsibility, and create ongoing financial and emotional harm. I demand immediate deletion of all unverifiable items and written confirmation of compliance. Failure to correct these issues will result in further legal action and escalation to the CFPB for enforcement.

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