Consumer complaint received 2025-11-27 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:
b'I am filing this formal complaint to request an immediate investigation into several inaccurate and unverified items currently reporting on my consumer credit file. These entries are causing ongoing and unwarranted harm to my credit profile, creditworthiness, and overall financial standing. I am exercising my rights under the FCRA (Fair Credit Reporting Act) to dispute information that is inaccurate, unverified, misleading, or incomplete. I am demanding a full investigation, validation, and removal of any item that cannot be proven using documented evidence.\n\n1. Inaccurate Address Reporting\n\nThe following addresses are appearing on my credit report without my authorization or knowledge. I have never lived at, nor have any association withXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXXn\nI request immediate deletion of all unverified addresses as they are not mine.\n\n2. Charge-Off Accounts Reporting Without Verification\n\nThe following accounts are listed as charge-offs. I have no knowledge of these accounts, nor have I been provided any validation proving they belong to me:XXXX XXXX  Opened XXXX  Balance: XXXX XXXX XXXX XXXX   Opened XXXX  Balance: XXXX XXXX  Opened XXXX  BalanceXXXX XXXXnUntil proper documentation proving ownership is provided, these accounts must be removed for failure to verify.\n\n3. Collection Accounts Reporting Without Proof or Validation\n\nI also dispute the accuracy and validity of the following collection accounts. I have never received proper validation of debt as required under the FDCPA:\XXXX XXXX XXXX XXXX   Opened XXXX  Balance: XXXX XXXX XXXX XXXX  Opened XXXX  Balance: XXXX XXXX XXXX XXXX XXXX  Opened XXXX   Balance: XXXXnThese accounts must be investigated and removed if no full and complete validation can be produced.\n\n4. Late Payments Reporting Incorrectly\n\nThe following creditors are reporting late payments which I dispute as inaccurate. I believe these reporting entries are incorrect, and I request verification with full payment history:\XXXX XXXX   Opened XXXX   Balance: XXXX XXXX  Opened XXXX  Balance: XXXX\n\nIf the reporting party cannot provide proof of late payments, these derogatory remarks must be corrected and updated promptly.\n\n5. Unauthorized Credit Inquiries\n\nThe following hard inquiries appear on my report, which I do not recall authorizing. Under the FCRA, unpermitted inquiries must be removedXXXX 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 XXXX XXXX XXXX XXXX XXXX request removal of any inquiry that cannot be proven to be legally authorized by me.\n\nRequested Action\n\nI am requesting a full investigation into all accounts listed above. If the furnishers cannot provide legal proof such as signed contracts, original statements, proof of ownership, or documented evidence of authorization, I demand immediate deletion or correction from my credit report.\n\nI expect a written response and resolution within the 30-day timeframe required under the law.\n\nThank you for your prompt attention to 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