Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate and unverifiable items that are currently being reported on my credit reports. These inaccuracies are severely affecting my creditworthiness and appear to violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Below are the specific issues : 1. Incorrect and Unfamiliar Addresses XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX This address is incorrect and not associated with me. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX This address is also incorrect and not connected to me. 

I have never lived at or used these addresses in any capacity. Their presence on my credit report is inaccurate and misleading. I am requesting their immediate deletion from all credit bureau records. 

XXXX. Charge-Off Accounts I Have No Knowledge Of XXXX XXXXXXXX XXXX  High Balance : {$720.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX High Balance : {$550.00} Date Opened : XX/XX/XXXX I have no knowledge of these accounts and have never opened or authorized them. I am requesting that these charge-off accounts be fully deleted as they can not be verified as belonging to me. 

XXXX. Collection Accounts I Have No Knowledge Of XXXX XXXX XXXX XXXX  XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$610.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$68.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  High Balance : {$1900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX High Balance : {$3200.00} Date Opened : XX/XX/XXXX I have no knowledge or record of these accounts. These entries are unverified and inaccurate, and I demand that they be deleted immediately in compliance with the FCRA. 

XXXX. Recent Hard Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX I do not recall authorizing these inquiries, and they appear to be unauthorized or fraudulent. These must be removed from my credit report as unverified inquiries. 

Legal Basis Under the FCRA, I have the right to dispute any inaccurate or unverifiable information appearing on my credit reports. The credit bureaus and furnishers are required to conduct a reasonable investigation and delete any information that can not be verified. Failure to do so constitutes a violation of federal law. 

I am requesting that the CFPB investigate these issues and ensure that all inaccurate, unverified, and fraudulent data listed above are permanently removed from my credit reports maintained by XXXX, Experian, and XXXX. 

I have already contacted the credit reporting agencies regarding these inaccuracies but have not received satisfactory results. Therefore, I am escalating this matter to the CFPB for immediate review and enforcement. 

Thank you for your attention to this serious matter. Please provide written confirmation once your office has initiated an investigation.

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