Consumer complaint received 2025-11-21 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 filing this formal complaint against the credit reporting agencies and the following furnishers for reporting inaccurate, unverified, and fraudulent information on my credit file. These errors are causing serious harm to my creditworthiness, and I am requesting a full investigation and immediate correction under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Wrong / Fraudulent Addresses Reported The following addresses DO NOT belong to me and were never associated with me at any time. These must be investigated and immediately removed : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX Wrong Address These inaccurate addresses indicate potential identity misuse or reporting errors. 

XXXX. Charge-Off & Collection Accounts I Have NO KNOWLEDGE Of ( Requesting Full Deletion ) Under FCRA 602 & 609, I am disputing the following accounts because I have no knowledge of these accounts, never opened them, and never authorized them. I am requesting complete deletion due to unverifiable identity association : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts do not belong to me and appear to be created through identity errors or fraudulent reporting. 

XXXX. Late Payments Reported These Are FALSE ( Requesting Correction Immediately ) Per my permanent dispute instruction : I HAVE NEVER MADE A LATE PAYMENT. These reported late payments are 100 % inaccurate. I request the immediate correction of the payment history to Paid As Agreed / Never Late. 

The inaccurate late payment items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please correct all late payments to Never Late. 

XXXX. Hard Inquiries I Did NOT Authorize ( Requesting Removal ) I did not authorize the following inquiries and demand removal under FCRA 604 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for credit with these entities and these inquiries are fraudulent or erroneously placed. 

REQUEST FOR ACTION ( FCRA COMPLIANCE REQUIRED ) I demand the following corrective actions : REMOVE all wrong addresses DELETE all charge-off and collection accounts I have no knowledge of CORRECT all late payments to Never Late REMOVE all unauthorized hard inquiries PROVIDE written verification for every item you choose to keep If the furnishers can not provide original signed documentation proving these accounts and inquiries belong to me, they must be removed immediately. 

FCRA Violations to Note Failure to investigate or correct inaccurate information violates : FCRA 602 Fair & Accurate Reporting Requirements FCRA 607 Compliance Procedures FCRA 609 Disclosure of File Information FCRA 611 Reinvestigation of Disputed Information FCRA 623 Accuracy of Furnisher Information I request written confirmation of the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention.

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