Consumer complaint received 2025-09-12 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: WA

Complaint narrative:
I am submitting this complaint against several creditors, debt collectors, and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit profile. These errors are causing me significant harm and violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. 

Disputed Items : Wrong Addresses Reported : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, HI XXXX Wrong Address XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX Address These addresses do not belong to me and must be deleted from my credit profile immediately. 

XXXX  Accounts Late Payments Account # XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$25000.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$64000.00} Account # XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$25000.00} These accounts reflect inaccurate late payments. I request full validation, payment history records, and proof of reporting accuracy. Without proper documentation, these must be corrected or removed. 

XXXX Charge Off Account # XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$2300.00} This account is reported as a charge off. I dispute the accuracy and request validation of debt, including original signed agreement and payment records. 

Collections Accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance : {$2500.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$6800.00} These collection accounts are inaccurate and unverifiable. I demand validation under FDCPA 809 ( b ), including chain of custody of debt ownership, original contract, and account statements. If they can not validate, these entries must be deleted. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. It constitutes an unauthorized credit pull and must be removed. 

Legal Violations : FCRA 607 ( b ) : Duty to report with maximum possible accuracy.

FCRA 611 : Failure to properly investigate disputes.

FDCPA 807 : False or misleading representations of debt.

FDCPA 809 : Failure to provide debt validation. 

Requested Resolution : I demand the following corrective actions : Immediate deletion of all wrong addresses. 

Proper validation or removal of the XXXX late payment entries. 

Deletion of unverified charge off and collection accounts if full validation can not be provided. 

Removal of the unauthorized hard inquiry. 

A full investigation by the CFPB into the reporting practices of these furnishers and CRAs.

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