Consumer complaint received 2025-08-29 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:
b'To the Consumer Financial Protection Bureau (CFPB), I am filing this complaint regarding multiple inaccuracies and unauthorized items appearing on my consumer credit report. These errors are causing significant harm to my financial stability, my ability to obtain housing, employment, and credit opportunities. Under the Fair Credit Reporting Act (FCRA), I have the right to an accurate credit report, and I request immediate assistance from the CFPB to investigate and enforce compliance with federal law.\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: This address has never belonged to me at any point in my life. Including an address that I have no connection with creates confusion and risks linking me to accounts that are not mine. This causes serious harm by attaching unrelated credit histories to my report.\nLaw: Under FCRA 607(b), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Reporting an address not connected to me is a violation.\nIssue: This is an inaccurate and unverified address that must be deleted.\n\nXXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\nStory: This is another address that I have never used. It is completely unrelated to me, and its presence on my file creates a misleading picture of my identity. This harms my creditworthiness and connects me to potential fraud or mistaken identity.\nLaw: FCRA 602 and 607(b) mandate accurate reporting. Keeping a false address violates this requirement.\nIssue: This address is false, unverifiable, and must be deleted immediately.\n\nXXXX XXXX XXXX  Late Payment  High Balance XXXX   Date Opened XXXX This account is reporting late payments that I do not agree with. I have no record of receiving proper notices, and the reporting damages my payment history unfairly. Reporting negative marks without proof causes serious financial injury to me.\nLaw: Under FCRA 611(a), I have the right to dispute the accuracy of information, and the bureau must verify or delete. Without proper validation from XXXX XXXX this late payment cannot remain.\nIssue: Inaccurate late payment reporting that must be corrected or deleted.\n\XXXX XXXX XXXX XXXX   Charge Off  High Balance $0  Date Opened XXXX This account shows as a charge off with a balance of $0, which is contradictory. An account cannot be charged off and simultaneously show no balance. This misleading entry lowers my credit score and presents me as a higher risk consumer unfairly.\nLaw: FCRA 607(b) requires maximum possible accuracy. Contradictory reporting is inaccurate by law.\nIssue: Unverified and contradictory account entry must be deleted.\n\XXXXXXXX XXXX  Late Payment  High Balance XXXX  Date Opened XXXXnStory: The reporting of late payments is not accurate and does not reflect the true history of this account. Such reporting causes long-term harm to my credit file. I demand strict proof that these late payments are correct.\nLaw: Under FCRA 611, the bureau must reinvestigate disputed information and delete unverifiable data.\nIssue: Inaccurate late payment history must be deleted unless fully validated.\nXXXX XXXX XXXX   Charge Off  High Balance XXXX  Date Opened XXXXStory: This large charge off is being reported without any proper proof. I do not acknowledge owing this debt, and no documentation has been provided. Reporting it damages my creditworthiness and is unlawful without validation.\nLaw: FCRA 609 requires creditors to provide complete information upon request, and 611 requires deletion if not verified.\nIssue: Unverified charge off must be deleted.\n\nXXXX XXXX   Charge Off  High Balance XXXX   Date Opened XXXXnStory: I dispute this account entirely. I have never received proper validation of this charge off. Allowing unverifiable debt to remain is damaging and misleading.\nLaw: FCRA 611 requires deletion of unverified data.\nIssue: This charge off is inaccurate and must be removed.\n\XXXX XXXX XXXX XXXX  Collection  High Balance XXXX  Date Opened XXXXStory: I do not recognize this collection. It has never been validated to me. Having it reported on my file without proof violates my rights and harms my creditworthiness unfairly.\nLaw: Under FCRA 611 and FDCPA 809, debt must be validated before it can be reported.\nIssue: This collection is unverifiable and must be deleted.\n\XXXX XXXX  Collection  High Balance XXXX  Date Opened XXXX: I have never received any notice or validation of this debt. Reporting an unverified collection on my credit report damages me financially and legally violates my rights.\nLaw: FCRA 611 requires deletion of unverifiable information.\nIssue: This collection account must be removed.\XXXX XXXX   Collection  High Balance XXXX  Date Opened XXXXnStory: I never authorized or acknowledged this account. Reporting it without proof links me to debt that is not mine and damages my reputation.\nLaw: FCRA 611 prohibits reporting unverifiable information.\nIssue: Inaccurate collection must be deleted.\n\XXXX XXXX XXXX XXXX  Collection  High Balance XXXX  Date Opened XXXX\nStory: This account is disputed. No validation has been provided to me, yet it is being reported. This harms my credit score and is a violation of my rights.\nLaw: FCRA 607(b) and 611 require accurate, verifiable reporting only.\nIssue: Collection is unverifiable and must be deleted.\n\nXXXX XXXX XXXX XXXX  Collection  High Balance $10,220  Date Opened XXXX: This large balance is reported without any supporting documentation. I do not acknowledge this account. Keeping it without validation is unlawful.\nLaw: FCRA 611 requires immediate deletion if verification is not provided.\nIssue: Collection account must be deletedXXXX XXXX XXXX XXXX XXXX XXXX\nStory: I never applied for credit through this company and did not authorize this inquiry. It was done without my consent and harms my credit unfairly.\nLaw: FCRA 604 requires permissible purpose for inquiries. Unauthorized inquiries are violations.\nIssue: Unauthorized inquiry must be removed.\n\nXXXX XXXX XXXX XXXXStory: This hard inquiry was not authorized by me. It lowers my score without cause and violates my consumer rights.\nLaw: FCRA 604 prohibits unauthorized inquiries.\nIssue: Must be deleted immediately.\nXXXX XXXX XXXX XXXX  Inquiry XXXX\nStory: This inquiry was not permitted by me. I never gave consent, and it unfairly impacts my file.\nLaw: FCRA 604 requires consent for inquiries.\nIssue: Unauthorized inquiry must be removed.\n\nXXXX XXXX XXXX XXXXnStory: This inquiry was placed without my permission. It affects my score and is unlawful without my authorization.\nLaw: FCRA 604 mandates permissible purpose.\nIssue: Unauthorized inquiry must be deleted.\n\nXXXX XXXX XXXX XXXX XXXXnStory: This inquiry is not mine and was never authorized. Keeping it on my report violates my rights and lowers my score unfairly.\nLaw: FCRA 604 protects consumers from unauthorized inquiries.\nIssue: This inquiry must be deleted.\n\nXXXX XXXX XXXX XXXX   Inquiry  12/7/2023\nStory: This inquiry was done without my knowledge or consent. It negatively impacts my file.\nLaw: FCRA 604 requires a permissible purpose.\nIssue: Inquiry must be XXXX XXXX XXXX XXXX XXXX\nStory: This inquiry is unauthorized. I never sought credit from Santander on that date. Reporting it violates my rights.\nLaw: FCRA 604 prohibits reporting inquiries without authorization.\nIssue: This must be XXXX XXXX XXXX XXXX XXXX XXXX3\nStory: This is another inquiry from this company that I did not authorize. It unfairly lowers my score and creates the appearance of excessive credit-seeking behavior.\nLaw: FCRA 604 mandates authorization.\nIssue: This inquiry is unauthorized and must be deleted.\n\nEXETER FINANCE LLC/WCG  Inquiry  12/7/2023\nStory: I never consented to this inquiry. Its presence on my file is damaging and misleading.\nLaw: Under FCRA 604, inquiries must have permissible purpose, which is absent here.\nIssue: This inquiry must be deleted.\n\nI am respectfully requesting that the Consumer Financial Protection Bureau (CFPB) step in to enforce my rights under the Fair Credit Reporting Act. These errors and unauthorized activities are severely harming my financial health, opportunities for credit, and overall quality of life. I am asking the CFPB to require the credit bureaus and furnishers to conduct a lawful reinvestigation, provide written proof of verification if they intend to continue reporting, or otherwise delete the inaccurate and unverifiable information immediately. My demand is for full compliance with FCRA, protection against future violations, and correction of all disputed items listed in this complaint.'

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