Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I am submitting this formal complaint against the credit reporting agencies and furnishers that have reported inaccurate, unverifiable, and false information on my credit report. I am requesting your assistance in investigating and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

There are multiple accounts and addresses being reported that are completely inaccurate or unverifiable. I have no knowledge or association with many of these items, and others are being reported with false late payments or charge-off statuses that do not reflect my true payment history. 

XXXX. Wrong or Unverified Addresses The following addresses are being reported, which I have never lived at, used, or authorized for reporting : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are incorrect and must be removed immediately from my credit profile. 

XXXX. Charge-Off and Collection Accounts I Have No Knowledge Of The following accounts are being reported as charge-offs or collections, which I have no knowledge of and did not authorize or open. These must be deleted immediately as required under FCRA 602A and 611 for unverifiable information : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Charge Off XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX Collection XXXX  XXXXXXXX XXXX XXXX Collection 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  Collection All of the above accounts are unverified and fraudulent. I demand that these entries be immediately deleted from my credit file. 

XXXX. Accounts Reporting False Late Payments The following accounts are being reported with inaccurate late payments, which is factually incorrect because I have never made late payments on these accounts. These must be corrected immediately to reflect an on-time payment history : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( High Balance {$3000.00} ) Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Under FCRA 607 ( b ), furnishers are required to ensure maximum possible accuracy of information reported. Reporting inaccurate late payments constitutes a direct violation of federal law and is damaging my credit standing. 

XXXX. Inquiries Without My Authorization XXXX XXXX XXXX XXXX  ( dated XX/XX/year> ) This inquiry was unauthorized and must be removed immediately. 

Requested Resolution I request that the CFPB enforce the following actions : Immediate deletion of all unverifiable charge-off and collection accounts listed above.

Immediate correction of false late payment histories. 

Permanent removal of all wrong addresses from my credit file. 

Deletion of unauthorized inquiries. 

Written confirmation of compliance from all credit reporting agencies involved. 

These inaccuracies have caused significant harm to my creditworthiness, emotional distress, and financial instability. I expect a prompt and thorough investigation in accordance with the FCRA and FDCPA. 

Thank you for your attention to this matter. I trust that your office will ensure full accountability and compliance from the involved entities.

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