Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
This is a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and unverifiable entries appearing on my credit report. I am exercising my rights under the FCRA and related consumer protection laws to report serious violations that have caused damage to my credit profile, my financial opportunities, and my personal life. I have already attempted to resolve these matters directly with the credit reporting agencies, but they failed to conduct proper investigations or provide evidence. I am now escalating this to the CFPB for enforcement and action. Below are the specific accounts and inquiries in question. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Law : Under FCRA Section 609 ( 15 U.S.C. 1681g ), I have the right to dispute inaccurate personal information and require validation of the reported address. 
Issue : This address is inaccurate and does not belong to me or my current residence. Its presence causes confusion and misrepresents my credit profile. 
Story : I have never resided at or used this address for any financial account or identification purpose. Including this incorrect address violates my rights under the FCRA to maintain accurate credit information. 
Instruction : Please verify this address with proper documentation and remove it immediately if it can not be verified as mine. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Law : FCRA Section 611 ( 15 U.S.C. 1681i ) mandates that credit bureaus must reinvestigate and correct or delete inaccurate or unverifiable information within 30 days of a dispute. 
Issue : This address is incorrectly associated with my credit report and is not mine. 
Story : I do not live or have never lived at this address nor authorized its use. Its presence is misleading and damages the accuracy of my credit file. 
Instruction : XXXX a thorough reinvestigation to verify the address and promptly delete it if unverifiable. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$16000.00} Date Opened : XX/XX/year> Charge Off Law : Under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), furnishers must report accurate account status. Under the Fair Debt Collection Practices Act ( FDCPA ), inaccurate or unverifiable debt must be corrected or removed. 
Issue : The charge-off status, balance, and/or account information are inaccurate and not verified. 
Story : I dispute this charge-off as it is either not mine or reported inaccurately. I request verification of the original creditor account and all supporting documentation. 
Instruction : Please verify this account with creditor records and remove or correct it if verification can not be provided. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/year> Charge Off Law : FCRA Sections 609 and 611 require accuracy and verification of disputed information.

Issue : This charge-off account is inaccurate or unverifiable.

Story : I deny the accuracy of this charge-off and request complete validation. I have no knowledge of this debt or the charge-off status as reported.

Instruction : Conduct a complete investigation and remove this account if it can not be verified. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$7600.00} Charge Off Law : Under FCRA and FDCPA, inaccurate or unverifiable negative account information must be corrected or deleted. 
Issue : The reported balance and charge-off status are inaccurate. 
Story : This account and balance are disputed as inaccurate or not mine. I require verification with creditor documentation. 
Instruction : Please provide validation of this debt or remove it from my credit file. 

I am respectfully requesting the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these inaccurate accounts and unauthorized inquiries. If the furnishers or credit bureaus can not provide clear and complete documentation validating these entries, they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice, transparency, and the restoration of my financial reputation.

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