Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies for reporting multiple inaccurate addresses, accounts with incorrect or misleading statuses such as charge-offs and late payments, and unauthorized or unverified hard inquiries that have harmed my creditworthiness and financial standing. These errors are serious violations of my rights under federal law including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. I have never lived at or been associated with several of these addresses and the accounts and inquiries in question contain inaccurate or unverifiable information. Despite prior disputes, these items remain unresolved. 
XXXX XXXX XXXX XXXX HILLS, MI XXXX Law : FCRA Section 609 ( c ) ( 2 ) Issue : Address misreported or duplicated from another entry Story : This location is inaccurately listed and contributes to a mixed file or file contamination scenario affecting my credit profile XXXX VERNIER XXXX, MI XXXX Law : FCRA Section 611 ( a ) Issue : Address does not match any verified residence of mine Story : I have no connection with this address and its reporting is causing delays in my financial applications and personal verifications XXXX XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA XXXX XXXX ( a ), XXXX ( a ) Issue : Wrong address being reported under my name Story : I have never resided at this location and its presence is misleading and harming my personal data integrity XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Law : FCRA Section 623 ( a ) ( 1 ) ( A ), FDCPA Section 807 ( 8 ) Issue : This charge-off is inaccurately reported and potentially duplicated Story : This account appears again under collection status and the charge-off should not be reflected as active, harming my score without lawful basis XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX XXXX : {$0.00} XXXX XXXX  Law : FCRA Section 605 ( a ) ( 5 ) Issue : Account shows late payments but balance is {$0.00} and account is too old Story : This tradeline is obsolete and reporting late payments on a {$0.00} balance misleads lenders and violates credit aging rules XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Law : FCRA Section 623 ( a ) ( 1 ) ( A ), 611 ( a ) Issue : Late payments reported without verified delinquency Story : I have no memory of this delinquency and no proof has been provided, and thus the derogatory status must be removed STATE OF MI XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} * * Law : FCRA Section 605 ( a ) ( 5 ) Issue : Account is outdated and still showing as active charge-off Story : This account is over XXXX XXXX XXXX and should have been automatically purged from my report in compliance with credit reporting time limits XXXX XXXX XXXX XX/XX/XXXX Law : FCRA Section 604 ( a ) ( 2 ) Issue : Hard inquiry was made without legitimate purpose or consent Story : I never applied for financing or credit with this company and request immediate removal of this unauthorized pull I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate these serious violations of the Fair Credit Reporting Act and ensure that the credit bureaus and furnishers involved correct or delete all inaccurate, unverifiable, and unauthorized information listed above. These errors have caused significant harm to my credit profile, financial stability, and overall well-being. I demand full compliance with federal law, proper reinvestigation under FCRA XXXX, and timely written confirmation of the actions taken. Failure to address these issues appropriately may result in further legal actions to protect my rights as a consumer.

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