Consumer complaint received 2025-10-07 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: PA

Complaint narrative:
I am submitting this formal complaint against multiple furnishers and credit reporting agencies for severe inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. My consumer report contains numerous errors that have caused and continue to cause serious harm to my creditworthiness, financial stability, and personal reputation.

1. Wrong Addresses Reported The following addresses are inaccurate and should never have been associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not and have never been mine. Reporting false addresses creates a misleading and damaging credit profile and constitutes a violation of FCRA 607 ( b ) ( requirement to maintain maximum possible accuracy ).

2. Inaccurate Account Reporting Several accounts are being reported inaccurately : XXXX XXXX XXXX  ( Acct. # XXXX ) Reported as a XXXX. This information is inaccurate and disputed. 

XXXX XXXX ( Acct. # XXXX ) Reported with Late Payments despite showing a {$0.00} balance. 

XXXX Accounts ( Multiple Accts. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) All reported with Late Payments even though they reflect a {$0.00} balance. These repeated, inaccurate late payment notations severely misrepresent my payment history and create an artificially negative credit profile. 

These inaccurate derogatory notations violate FCRA 623 ( duty of furnishers to report accurately ) and 607 ( b ).

3. Improper Inquiries My report contains repeated, unauthorized hard inquiries, including : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> These inquiries were conducted without my knowledge, authorization, or permissible purpose as required under FCRA 604. Repeated hard inquiries without my consent are unlawful and must be removed immediately.

Relief Requested I demand the following actions : Immediate removal of all wrong addresses from my credit report.

Correction or deletion of all inaccurately reported accounts, including the erroneous charge-off and false late payments. 

Removal of all unauthorized inquiries listed above.

A full reinvestigation pursuant to FCRA 611, with proper documentation of the results sent to me in writing.

Assurance that all furnishers and credit reporting agencies involved comply with their legal obligations to ensure accuracy. 

Conclusion These inaccuracies have caused significant harm to my creditworthiness, financial opportunities, and peace of mind. If this matter is not resolved promptly, I am prepared to escalate this issue through legal means, including filing complaints with state regulators, the FTC, and pursuing private remedies under FCRA. 

I expect a full response and correction within the legally required timeframe.

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