Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
I am submitting this complaint to formally dispute and demand immediate correction of multiple inaccurate, incomplete, and unverifiable items being reported on my consumer credit files by various furnishers and credit reporting agencies. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and the Fair and Accurate Credit Transactions Act ( FACTA ). The inaccurate reporting of these accounts has caused significant harm to my creditworthiness, emotional distress, and financial well-being, including denial of credit opportunities, higher interest rates, and damage to my reputation. The furnishers and credit reporting agencies have failed to follow reasonable procedures to assure maximum possible accuracy as required under FCRA 1681e ( b ) and have failed to conduct a proper reinvestigation as mandated under FCRA 1681i. Below are the disputed items with the associated violations and the detailed story explaining the harm and noncompliance by each furnisher. 
Address : XXXX XXXX XXXX, XXXX, GA, XXXX Issue : This address is not accurate and does not reflect my current or valid place of residence.

Law : Under FCRA Section 607 ( b ), consumer reporting agencies must ensure maximum possible accuracy in the information they maintain.

Story : This address has been incorrectly associated with my file and is causing confusion in my personal credit history. I have never maintained residency at this location, nor have I used it in any credit-related applications or verifications. The continued reporting of this address presents a misleading picture of my identity and financial activities, which could negatively affect my creditworthiness and raise concerns during employment or lending reviews. I request that this address be promptly removed from my file. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Issue : This address is inaccurate and unrelated to my personal credit profile.

Law : FCRA Section 611 requires the prompt deletion of inaccurate or unverifiable information from a consumers file.

Story : This location is not now, nor has it ever been, associated with me. Its presence in my report misrepresents my residential history and creates the false appearance that I have had financial or contractual relationships linked to this address. This incorrect association can be detrimental to my financial standing, potentially resulting in wrongful denials of credit or employment. I am requesting its immediate removal. 
Account : XXXX XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$550.00}, Status : Chargeoff Issue : The account is reporting as a chargeoff with an outstanding balance, which is inaccurate and damaging.

Law : FCRA Section 602 and 607 ( b ) require that all information furnished in consumer reports be accurate and up-to-date.

Story : The manner in which this account is reported is misleading and incomplete. I dispute the accuracy of the balance, the chargeoff status, and any alleged delinquencies. The creditor has failed to provide clear, documented proof that this information is valid, timely, and verifiable. Without such documentation, the reporting of this account creates an unfair and inaccurate portrayal of my financial reliability. I am demanding its removal unless Experian can confirm its accuracy with certified documentation from the furnisher. 
Account : XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$170.00}, Status : Chargeoff Issue : The chargeoff status and balance are reported inaccurately.

Law : Under FCRA Section 611 ( a ), consumer reporting agencies must delete unverifiable information after a reinvestigation.

Story : This account is being reported with derogatory information that does not accurately reflect my payment history or current balance status. I dispute the validity of the chargeoff claim and any delinquencies reflected. No documentation has been provided that confirms this information was accurately furnished. As such, its continued presence is misleading and harmful to my credit profile. 
Account : XXXX XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$60.00}, Status : Chargeoff Issue : This account is being inaccurately reported as a chargeoff.

Law : The FCRA, Section 607 ( b ), mandates that information must be complete and accurate.

Story : This account has been listed with an erroneous status that suggests a severe delinquency or default. I dispute both the amount owed and the classification of the account. Without verifiable proof from the creditor confirming the legitimacy of this chargeoff, Experian is obligated to remove it from my credit file. 
Account : XXXX XXXX XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$0.00}, Status : Late Payment Issue : The reported late payment is inaccurate and unsubstantiated.

Law : Under FCRA Section 611, unverifiable negative marks must be deleted.

Story : This account shows a history of late payments that I dispute. The creditor has not produced any authenticated records showing that these alleged late payments actually occurred. Reporting such unverifiable negative information harms my credit score and inaccurately portrays my payment habits. 
Account : XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$2100.00}, Status : Collection Issue : This collection account is being inaccurately reported.

Law : The FCRA prohibits the inclusion of unverifiable collection accounts in consumer reports.

Story : I dispute the validity of this collection account and the alleged amount owed. I have not received proper validation from the collection agency or XXXX confirming the legitimacy of the debt. Without proof, its continued reporting violates my rights under the FCRA. 
Account : XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Reported Balance : {$240.00}, Status : Collection Issue : The collection status and amount reported are inaccurate.

Law : FCRA Section 607 ( b ) requires maximum possible accuracy of reported information.

Story : This account is reported as being in collections without sufficient evidence of its legitimacy. No proof has been provided that the debt is valid, owed by me, or collectible under the law. Such reporting is damaging and must be corrected or removed.

Inquiry : XXXX XX/XX/XXXX Issue : This inquiry is unauthorized and should not appear on my credit report.

Law : The FCRA restricts the inclusion of inquiries without consumer consent or a permissible purpose. 
Story : I did not authorize XXXX to access my credit report on this date, and no legitimate credit transaction exists to justify it. 
Inquiry : XXXX XXXX XXXX XX/XX/XXXX Issue : This inquiry is inaccurate and was made without my consent.

Law : Under the FCRA, any inquiry without permissible purpose must be removed.

Story : I did not apply for any service or engage in any transaction with this company. Its appearance is misleading and should be deleted.

I am demanding that the CFPB investigate these accounts, require the furnishers and credit reporting agencies to provide complete, documented proof of the validity and accuracy of each account or permanently delete them from my credit reports. The continued reporting of these unverifiable and inaccurate items is in willful noncompliance with federal law, and I request enforcement actions and corrective measures to protect my consumer rights.

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