Consumer complaint received 2025-10-17 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: IN

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unverifiable, and unauthorized items reported on my credit file by [ Credit Bureau Name ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute and require correction or removal of any inaccurate, incomplete, or unverifiable information. I request CFPB intervention to ensure that these items are properly investigated and corrected or deleted. 
XXXX XXXX XXXX XXXX, IN XXXX Wrong Address I have never resided at this address. Its presence on my credit file misrepresents my identity and residence history. Reporting incorrect addresses can lead to serious consequences including mistaken identity issues, inaccurate credit scoring, and denial of services. Under FCRA Section 1681e ( b ), credit bureaus are required to ensure maximum possible accuracy in reporting. This incorrect address must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX Wrong Address I have no knowledge of this address. The appearance of this location on my credit report may lead to misidentification and unjustified assumptions by creditors. Section 1681e ( b ) requires credit reporting agencies to maintain accurate information. I demand immediate correction. 
XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Opened : XX/XX/XXXX, Balance : {$100000.00} ) XXXX XXXX  This account falsely reports late payments. I have consistently made timely payments and have records proving my compliance. Misreporting late payments damages my creditworthiness and is a direct violation of FCRA Section 1681s-2 ( a ) ( 1 ) ( A ). I request full correction of this account to reflect accurate payment history. 
XXXX XXXX XXXX  Charge Off ( Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX  I have no knowledge of this charge-off. It appears to be either fabricated or misattributed. Under FCRA Section 1681i, unverifiable information must be deleted. Leaving this item uncorrected falsely suggests delinquency and harms my financial reputation. 
XXXX XXXXXXXX XXXX  Charge Off ( Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX This charge-off is unrecognized and unverifiable. Reporting such accounts can mislead lenders and affect interest rates and credit approval. I dispute this item and demand its deletion or proper verification. 
XXXX XXXXXXXX XXXX Charge Off ( Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX  I do not recognize this account. Charge-off reporting without verification is unlawful under FCRA Section 1681i. Continuing to report this account can be considered negligent and harmful. Immediate removal is requested. 
XXXX XXXXXXXX XXXX Charge Off ( Opened : XX/XX/XXXX, Balance : {$0.00} ) * XXXX I have no knowledge of this account. Its presence on my report is misleading and creates false negative credit perceptions. Section 1681i of FCRA mandates deletion if unverifiable. 
XXXX XXXX XXXXXXXX XXXX Charge Off ( Opened : XX/XX/XXXX, Balance : {$620.00} ) XXXX XXXX XXXX XXXX XXXX Charge Off ( Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX I dispute both accounts as I have no knowledge of these debts. Reporting unverified charge-offs is a serious violation of FCRA and damages my credit profile. I demand immediate investigation and removal if verification is not provided. 
XXXX XXXX Charge Off ( Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX XXXX I have no knowledge of this account. Any reporting without verification violates the FCRA. I request deletion to prevent further harm to my creditworthiness. 
XXXX XXXX XXXX  Late Payment ( Opened : XX/XX/XXXX, Balance : {$500.00} ) XXXX XXXX  The reported late payment is inaccurate. I have consistently made on-time payments. Section 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishing false payment history. Correction or deletion is demanded. 
XXXX XXXXXXXX XXXX XXXX Charge Off ( Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX I have no knowledge of this charge-off account. It has been falsely associated with my credit file. Unverified reporting violates FCRA Section 1681i and Section 1681s-2 ( a ), and its presence negatively impacts my creditworthiness. Immediate deletion or verification is required. 
XXXX XXXX XXXX XXXX Collection ( Opened : XX/XX/XXXX, Balance : {$1000.00} ) XXXX XXXX I do not recognize this account. Reporting unverifiable collections constitutes a violation of FCRA Section 1681i ( a ) and may be considered negligent. I request immediate investigation and removal. 
XXXX XXXX XXXX XXXX Collection ( Opened : XX/XX/XXXX, Balance : {$1200.00} ) XXXX XXXX  This collection is inaccurate and unrecognized by me. Leaving such information uncorrected misleads creditors and harms my credit profile. FCRA Section 1681s-2 ( a ) requires only accurate reporting. Deletion or verification is requested. 
XXXX XXXX XXXX XXXX Collection ( Opened : XX/XX/XXXX, Balance : {$860.00} ) XXXX XXXX I dispute this account. I have never been contacted regarding this debt. Its presence on my credit report constitutes false reporting and may impact my ability to obtain credit. Verification or removal is required. 
XXXX XXXX XXXX XXXX Collection ( Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX I have no knowledge of this debt. Reporting unverifiable collections misrepresents my financial responsibility. Deletion or verification is required under FCRA. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Collection ( Opened : XX/XX/XXXX, Balance : {$580.00} ) XXXX XXXX I dispute this collection. I have never been notified or acknowledged owing this debt. Continuing to report it without verification violates Sections 1681i and 1681s-2 ( a ). Immediate deletion is requested. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Collection ( Opened : XX/XX/XXXX, Balance : {$830.00} ) XXXX XXXX I have no knowledge of this account. Reporting unverified information damages my credit reputation and violates FCRA. Verification or deletion is required. 
XXXX XXXX Late Payment ( Opened : XX/XX/XXXX, Balance : {$2500.00} ) XXXX XXXX  This account inaccurately reports a late payment. I have never missed a payment. Misreporting of payment history is a violation of FCRA Section 1681s-2 ( a ) ( 1 ) ( A ). Correction of my payment history is required immediately. 
XXXX XXXX XXXXXXXX XXXX  Collection ( Opened : XX/XX/XXXX, Balance : {$730.00} ) XXXX XXXX I have no knowledge of this collection account. Unverified reporting violates my rights under FCRA Section 1681i and may lead to wrongful denial of credit. Verification or deletion is required immediately. 
XXXX XXXX XXXXXXXX XXXX Collection ( Opened : XX/XX/XXXX, Balance : {$680.00} ) XXXX XXXX This collection account is inaccurately reported and unrecognized. Section 1681i mandates deletion of unverifiable accounts. Leaving this information on my report falsely implies delinquency. 
XXXX XXXX XXXX XXXX Collection ( Opened : XX/XX/XXXX, Balance : {$1800.00} ) XXXX XXXX  I dispute this account as I have no knowledge of it. Reporting unverified collections is a violation of FCRA Sections 1681i and 1681s-2 ( a ). I request immediate investigation and removal. 
XXXX XXXX XXXXXXXX XXXX Collection ( Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX  This collection is unrecognized by me. Reporting unverifiable collections misrepresents my financial responsibility. Section 1681i requires deletion if verification can not be provided. Immediate action is demanded.

I request CFPB assistance in ensuring that [ Credit Bureau Name ] and all reporting creditors fully investigate and remove or correct all disputed items. I request written confirmation of the resolution. Failure to comply may constitute further legal violation of FCRA and warrant enforcement action.

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