Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am filing this formal complaint because multiple creditors and credit reporting agencies ( CRAs ) are reporting false, inaccurate, unverified, and damaging information on my consumer credit reports. These inaccurate items are causing me financial harm, denial of credit, and emotional distress.

Below are the specific issues : 1. WRONG ADDRESSES REPORTED ( I Never Lived at These Addresses ) The following addresses are 100 % incorrect and do not belong to me. I have never lived, received mail, nor conducted any financial activity connected to these locations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address These addresses must be removed immediately as they indicate possible mixed-file issues, identity errors, or inaccurate matching, which violate FCRA 607 ( b ) ( maximum accuracy requirement ).

2. CHARGE-OFF ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS The following accounts are being reported as charge-offs, but I have no knowledge of ever opening, authorizing, or being associated with them. These accounts appear to be fraudulent, mixed-file, or inaccurately assigned. 

As required by FCRA 602A, 609, and 611, I request full deletion for failure to verify ownership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off These accounts are completely unfamiliar to me. 
I request deletion, not correction. 

3. COLLECTION ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS The following collection accounts are not mine, and I have never received bills, notices, verification, or previous communication : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Under FDCPA 809 ( b ) and FCRA 611, these must be removed immediately if proper validation can not be provided.

4. LATE PAYMENT ACCOUNTS REPORTING IS FALSE & INACCURATE The following creditors are reporting late payments, but the payment histories are incorrect.

I have never made any late payment on these accounts, and the reporting violates FCRA 607 ( b ) due to lack of accuracy.

I am not requesting deletion, only correction of the inaccurate late-payment history : 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 Late Payment I demand a full investigation, updated reporting, and correction of all inaccurate late-payment data. 

XXXX. UNAUTHORIZED / IMPROPER HARD INQUIRIES The following creditors pulled my credit without my knowledge, permission, or any permissible purpose under FCRA 604 : XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries must be removed immediately for lack of permissible purpose. 

REQUEST FOR CFPB ACTION I am requesting that the CFPB : Force the credit bureaus and furnishers to conduct a lawful reinvestigation under FCRA 611.

Require full deletion of all charge-off, collection, and unauthorized inquiry items I have no knowledge of.

Require correction of all false late-payment reporting.

Require removal of all wrong addresses.

Ensure compliance with all FCRA, FDCPA, and federal reporting standards.

CERTIFICATION I certify that the information in this complaint is true and accurate to the best of my knowledge. The inaccurate reporting is harming my credit, financial standing, and ability to obtain housing, transportation, and employment.

Thank you for your immediate attention.

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