Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
I am filing this complaint because multiple credit reporting agencies and furnishers are reporting inaccurate, unverifiable, and fraudulent information on my consumer reports. Despite my attempts to correct these errors, the information continues to be reported, causing ongoing harm. 

Below are the specific inaccurate items I dispute : 1. WRONG ADDRESSES ( DO NOT BELONG TO ME ) The following addresses are not mine, I have never lived there, and they must be removed as they are creating mixed-file and identity confusion : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong Address These addresses have no connection to me, and their presence indicates file contamination, which violates FCRA 607 ( b ) ( maximum possible accuracy requirement ).

I request the CFPB to compel the credit bureaus to remove these immediately.

2. ACCOUNTS I HAVE NO KNOWLEDGE OF ( REQUESTING DELETION ) The following charge-off and collection accounts are being reported even though I have no knowledge of these accounts and never authorized them. These appear to be inaccurate or fraudulent.

Per FCRA 609 ( a ) and 611, these accounts must be fully validated or deleted : XXXX XXXX XXXX XXXX High Balance : {$1400.00} Opened XX/XX/XXXX Charge Off XXXX XXXX High Balance : {$13000.00} Opened XX/XX/XXXX Charge Off XXXX High Balance : {$2200.00} Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX High Balance : {$0.00} Opened XX/XX/XXXX Collection XXXX XXXX High Balance : {$600.00} Opened XX/XX/XXXX Collection Since I have no knowledge of these accounts, I am requesting complete deletion unless the furnishers can produce full legally required documentation proving the accounts are mine. 

3. LATE PAYMENT REPORTING IS INACCURATE The account below is reporting late payments that are 100 % inaccurate, as I have never made a late payment on this account : DPT EDXXXX High Balance : {$11000.00} Opened XX/XX/XXXX Reported Late Payments This violates FCRA 607 ( b ) because the information is not accurate.

I request a full correction of all payment history and removal of any late payment indicators.

4. HARD INQUIRIES I DID NOT AUTHORIZE The following inquiries are appearing on my report even though I did NOT authorize them, which violates FCRA permissible-purpose requirements : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request investigation and deletion of any inquiry that can not be proven to have a permissible purpose under FCRA 604.

REQUEST FOR CFPB ACTION I am requesting CFPB assistance to ensure that the credit bureaus and furnishers : Remove all wrong addresses Delete all accounts I have no knowledge of unless full documentation is provided Correct the inaccurate late payment reporting Delete unauthorized inquiries Ensure compliance with all applicable FCRA sections, including : 602, 603, 604, 607 ( b ), 609, 611, and 623 These errors are harming my creditworthiness and causing ongoing financial damage.

Thank you for your assistance.

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