Consumer complaint received 2025-11-08 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:
Dear CFPB Representative, I am filing this formal complaint against the credit reporting agencies and the following creditors for inaccurate, unverified, and misleading information being reported on my credit profile. These errors have severely affected my credit score, caused me emotional distress, and hindered my ability to obtain financial stability. 
Despite my previous disputes, the items listed below continue to appear on my report without any proper verification or correction, in clear violation of the Fair Credit Reporting Act ( FCRA ) specifically Sections 602, 607 ( b ), 609, 611, and 623 ( a ) ( 1 ) ( A ).

WRONG ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address has never belonged to me and does not match any residence, employment, or financial record in my history. Please remove it immediately from my credit file under FCRA 604 ( a ) ( 2 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided or received mail at this location. Reporting this address creates confusion about my identity and violates the accuracy standard under FCRA 607 ( b ). 
ACCOUNT INACCURACIES XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  This is another incorrect late payment record. The balance is XXXX, yet the system shows delinquencies. That is false reporting and requires immediate correction. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXXXXXX XXXX XXXX I have no relationship with this creditor. This account appears fraudulent or misattributed. Please provide signed documentation proving my ownership or delete it per FCRA 611 ( a ) ( 1 ). 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX  This is a duplicate and unrecognized account. The reporting seems fabricated and inconsistent. I request deletion unless full validation is produced. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX XXXX This entry does not belong to me. I have never signed or authorized any account under XXXX. Please investigate and remove it from my credit file. 
XXXX  XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$8900.00} XXXX XXXX XXXX XXXX  Multiple accounts are being reported under the same creditor with similar details. This pattern is suspicious and indicates a reporting error. Verification is required under FCRA 611 ( b ). 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX XXXX I dispute this account in its entirety. I have no such account and no contract or record supporting it. Please delete if unverifiable. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  This is yet another duplicate fraudulent account. The repeated appearance of the same creditor is a clear reporting violation and must be investigated. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXX I have no knowledge of any account with XXXX XXXX XXXX. I have never authorized or signed any agreement. Please provide verification or delete this item under FCRA 611 ( a ). 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX  This account was wrongly reported as charged off. I have never defaulted or failed to pay this account. Please provide a detailed payment record and signed proof of default. If not verifiable, remove it immediately as per FCRA 611 ( c ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Reported as XXXX XXXX XXXX XXXX I have no recollection or documentation of any account with XXXXXXXX XXXX  XXXX. This reporting is inaccurate, and I request immediate investigation. Please provide written proof of ownership and original contract or delete this entry immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX This record is inaccurate. I have never been late on any federal student loan. The false reporting of delinquencies misrepresents my payment behavior and must be corrected immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX This is another duplicate and inaccurate record under the XXXX XXXX XXXX  XXXX My payment records do not show any delinquency. Please reinvestigate and remove the late status. 
Summary of Violations and Harm The repeated presence of these inaccurate items constitutes a willful violation of the Fair Credit Reporting Act. These false accounts and late payment reports have : Lowered my credit score significantly, Prevented me from obtaining new credit and housing, Caused emotional distress and anxiety due to ongoing denials and reputational damage. 
Each creditor and bureau has failed to perform proper reinvestigation within the 30-day period as required under FCRA 611 ( a ) ( 1 ) and has continued reporting unverifiable data.

Requested Resolution I respectfully request that the CFPB
enforce compliance by : 1. Ordering the credit bureaus to reinvestigate and delete all unverifiable accounts immediately.

2. Requiring creditors ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) to provide complete proof of ownership, payment history, and signed documentation.

3. Ensuring that all inaccurate late payment and charge-off records are corrected to show Paid on Time or Deleted. 4. Imposing
penalties or compliance actions against entities that have failed to follow the FCRAs verification standards.

I have attached copies of my identification and relevant credit report excerpts showing these errors. Please take this complaint seriously and ensure a full investigation is conducted. 
Thank you for your time and assistance in this matter.

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