Consumer complaint received 2025-09-13 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 submitting this complaint because multiple items have been inaccurately reported on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. These inaccuracies have caused harm to my credit standing and continue to affect my financial opportunities. 

The following issues are present in my credit report : Wrong Addresses Reported XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not associated with me. Reporting false personal identifying information is a violation of FCRA 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information.

Inaccurate Account Information XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Reported Late Payment * * This account is reporting late payments inaccurately. Under FCRA 623 ( a ), furnishers must provide accurate information. Reporting false delinquencies constitutes damage to my reputation and creditworthiness. 

XXXX  XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reported Charge-Off * * It is illogical and misleading to report a charge-off on a zero balance account. This is a direct violation of FCRA 607 ( b ) and is misleading to potential creditors. 

XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$580.00} Reported Charge-Off * * The account is being reported inaccurately. A charge-off can not legally remain beyond the reporting period set under FCRA 605 ( a ). The accuracy and legitimacy of this reporting must be verified. 

Unverified and Unauthorized Credit Inquiries The following inquiries appear on my report without my consent or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 604, a credit inquiry must have a permissible purpose. These inquiries were not authorized by me and should be removed immediately. 

Summary of Complaint These false addresses, inaccurate account statuses, and unauthorized inquiries are damaging my credit profile and violating my consumer rights under the FCRA and FDCPA. I am requesting a full investigation into these accounts, addresses, and inquiries. If the information can not be fully verified, it must be deleted from my credit report immediately as required by FCRA 611.

Requested Resolution Remove all false addresses listed above.

Delete or correct the inaccurate account information.

Remove all unauthorized and unverifiable inquiries.

Ensure compliance with all relevant provisions of FCRA and FDCPA.

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