Consumer complaint received 2025-09-09 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 to formally dispute and request investigation into multiple inaccurate, unverifiable, and misleading items currently appearing on my credit report. These errors are directly harming my creditworthiness, and the reporting agencies and furnishers are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The FCRA requires consumer reporting agencies and furnishers to maintain maximum possible accuracy ( FCRA 607 ( b ) ) and to conduct proper reinvestigation of disputed items ( FCRA 611 ). The following items are inaccurate and must be corrected or deleted : Wrong Addresses Reported XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address These addresses are not associated with me. Reporting false addresses violates FCRA 607 ( b ) regarding accuracy and creates confusion with my identity. 

Inaccurate Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * High Balance : {$530.00} | Date Opened : XX/XX/XXXX | Reported Late Payment I dispute this late payment. No verifiable documentation has been provided, making this entry inaccurate under FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX ( XXXX * * ) * * High Balance : {$4900.00} | Date Opened : XX/XX/XXXX | Reported Late Payment This late payment is unverified and must be removed. 

XXXX XXXX XXXX ( XXXX * * * ) * * High Balance : {$270.00} | Date Opened : XX/XX/XXXX | Reported Late Payment This reporting is not supported by accurate records. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) * * High Balance : {$1500.00} | Date Opened : XX/XX/XXXX | Charge Off This charge-off is incorrect and unverifiable. 

XXXX XXXX ( XXXX * * ) * * High Balance : {$19000.00} | Date Opened : XX/XX/XXXX | Charge Off This account has been reported inaccurately and must be investigated. 

XXXX XXXX ( XXXX ) * * High Balance : {$14000.00} | Date Opened : XX/XX/XXXX | Charge Off No evidence has been provided to justify this derogatory mark. 

XXXX XXXX XXXX ( XXXX * * & XXXX * * * * ) * * High Balances : {$1400.00} & {$930.00} | Dates Opened : XX/XX/XXXX & XX/XX/XXXX | Collections Both accounts appear duplicative and inaccurate. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me. Under FCRA 604, no person may obtain my credit report without permissible purpose. These must be removed immediately.

Conclusion The reporting of these inaccurate items has caused me direct financial harm, including denial of credit opportunities and unjust damage to my reputation. Under FCRA 616 and 617, continued reporting of inaccurate and unverified information exposes furnishers and reporting agencies to liability for damages.

I request that the CFPB investigate these matters promptly, require the credit reporting agencies and furnishers to delete or correct all inaccurate information, and ensure compliance with federal law.

Thank you for your prompt attention to this matter.

Sincerely,

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