Consumer complaint received 2025-11-19 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: KY

Complaint narrative:
I am filing this formal complaint because multiple items appearing on my credit reports are false, inaccurate, and not in compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation into the following issues : XXXX. WRONG / FRAUDULENT ADDRESSES ON MY CREDIT REPORT These addresses do not belong to me, and I have never lived at or used them. Their presence indicates possible identity theft or severe reporting errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WRONG ADDRESS I demand these addresses be removed immediately, as required under FCRA 609 and 611 for inaccurate consumer information.

2. CHARGE-OFF ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS According to my standing request and statement, any charge-off or collection account is not mine, I have no knowledge of them, and I am demanding full deletion. 

The following accounts are NOT mine : XXXX XXXX XXXX High Balance {$2200.00} Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX High Balance {$1100.00} Opened XX/XX/XXXX Charge Off XXXXXXXX XXXX XXXXXXXX High Balance {$2200.00} Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX High Balance {$8000.00} Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX High Balance {$8300.00} Opened XX/XX/XXXX Charge Off Per FCRA 602 ( A ), 607 ( B ), and 609, furnishers must report accurate and verifiable information only. 
Since these accounts do not belong to me, I demand they be removed entirely. 

XXXX. LATE PAYMENT REPORTING HISTORY IS WRONG As per my documented request, I have never made any late payments, and the following late-payment entries are false and must be corrected : XXXX XXXX XXXX High Balance {$5800.00} Opened XX/XX/XXXX Late Payment ( Incorrect ) XXXX XXXX XXXXXXXX High Balance {$160.00} Opened XX/XX/XXXX Late Payment ( Incorrect ) Under FCRA 611, this inaccurate history must be corrected immediately. 

XXXX. UNAUTHORIZED / SUSPICIOUS HARD INQUIRIES I did not authorize the following inquiries. They must be removed as they violate FCRA 604 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not granted by me and therefore must be deleted. 

REQUEST FOR RESOLUTION Under the Fair Credit Reporting Act, I respectfully request : Immediate deletion of all wrong addresses. 

Deletion of all charge-off accounts I have no knowledge of. 

Correction of all wrong late-payment reporting to show ON-TIME history. 

Removal of all unauthorized hard inquiries. 

Written confirmation of the actions taken. 

Failure to correct these inaccuracies is a violation of federal law, and I will escalate further if necessary. 

Thank you for your prompt attention. I expect a full response within the FCRA-mandated 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