Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
I am submitting this complaint to formally dispute and demand immediate correction of several inaccurate, misleading, and damaging items appearing on my credit report. These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 609 and 611, which entitles me to accurate, verifiable, and complete reporting.

The following accounts and entries are being reported incorrectly and must be investigated and removed or corrected : Address Errors ( Wrong Address Reporting ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX This is not my address and is being falsely reported, creating misleading associations. 

XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$81.00} | Status : Late Payment ) * * This account is inaccurately reporting late payments without proper validation. 

XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX | Balance : {$100.00} | Status : Late Payment ) XXXX XXXX XXXXhis account is also inaccurately reporting late payments. These alleged delinquencies are not supported with verifiable documentation. 

XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment ) A {$0.00} balance account should not reflect derogatory payment history. This is misleading and must be removed immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$8100.00} | Status : Chargeoff ) XXXX XXXX This reporting is inaccurate and unverifiable. The balance and charge-off status require strict proof of validity, which has not been provided. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Chargeoff XXXX XXXX XXXX  An account with {$0.00} balance can not legally be reported as charged-off. This is deceptive reporting and must be deleted. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX | Balance : {$230.00} | Status : Late Payment ) XXXX XXXX  This entry is inaccurate. No proper documentation has been furnished to validate these alleged late payments. 

XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX These inquiries were made without my authorization. They are unauthorized and must be removed under FCRA provisions. 

Violations Committed : Failure to ensure maximum possible accuracy in consumer reporting. 

Reporting unverifiable and misleading derogatory information. 

Improper association of addresses not belonging to me.

Continuing to report accounts with {$0.00} balances as derogatory.

Recording unauthorized inquiries.

Requested Resolution : I demand that the CFPB immediately investigate these matters with the credit bureaus and furnishers. All inaccurate, unverifiable, and unauthorized entries must be deleted or corrected within the statutory timeframe of 30 days. Continued failure to comply will constitute willful noncompliance with the FCRA and may subject the parties responsible to legal action.

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