Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because multiple items appearing on my credit report are inaccurate, unverified, and not reported in compliance with the Fair Credit Reporting Act. These errors are causing major personal and financial harm, and despite previous disputes, the credit bureaus failed to conduct a lawful reinvestigation as required under FCRA 602, 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). I am requesting immediate CFPB intervention to force the credit bureaus and furnishers to provide full verification or delete any item that can not be proven through proper documentation. 

ADDRESSES XXXX XXXX XXXX XXXX, XXXX, AL, XXXX This incorrect and unfamiliar address suggests activity that has nothing to do with me. Under FCRA 611 you must reinvestigate and delete unverifiable information, and this address can not be verified as belonging to me because I have never lived here. 

XXXX XXXX XXXX, XXXX, AL, XXXX This is completely wrong and has no connection to my identity or history. Reporting an address I never stayed at violates the duty of accuracy required by FCRA 607 ( b ). I request immediate removal. 

ACCOUNTS XXXX XXXX XXXX XXXXXXXX Charge-Off Open Date XX/XX/XXXX Balance {$8000.00} I have no knowledge of this account and have never opened or authorized any relationship with this creditor. Reporting an unknown charge-off damages my creditworthiness and violates FCRA 602 ( A ), which states that consumer reports must be fair and accurate. Since I do not recognize this account, it can not be verified as mine, and under FCRA 611 ( A ) ( 1 ) it must be deleted if you can not provide 100 % accurate verification. Please remove this account from my file. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Late Payment Open Date XX/XX/XXXX Balance {$0.00} I have never made a late payment on this account and the reported late history is completely inaccurate. My payment history is not late and this error violates the accuracy requirements under FCRA 607 ( b ). You must correct the payment history to show an accurate on-time status because any false representation of delinquency is misleading and harmful. 

INQUIRIES XXXX XX/XX/XXXX This inquiry was not approved by me and therefore violates FCRA 604. Please delete it. 

XXXX CARD XX/XX/XXXX I never applied for any credit with this lender and did not authorize this inquiry. Requesting immediate deletion. 

I request that the CFPB require the credit bureaus and furnishers to immediately reinvestigate all disputed items, provide full verification as required by FCRA 609 ( a ), and delete or correct any item that can not be verified with proper documentation. These inaccurate items continue to cause severe harm, and I request urgent intervention from the CFPB.

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