Consumer complaint received 2025-11-19 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 formal complaint because multiple inaccurate, unverified, and misleading items are being reported on my credit file. These errors are causing serious harm to my creditworthiness, and all attempts to correct them directly with the credit bureaus have been unsuccessful. I am requesting the CFPBs intervention to ensure these inaccurate entries are fully investigated and corrected. 

XXXX. WRONG / UNAUTHORIZED ADDRESSES The following addresses appearing on my credit report do not belong to me, and I have never lived at or used any of these locations. They must be removed for security, identity-matching, and reporting accuracy : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Wrong Address These addresses compromise my identity integrity and may indicate mixed files or reporting errors. 

XXXX. LATE PAYMENT ACCOUNTS HISTORY IS FALSE AND INACCURATE The following accounts are reporting late payments, but this information is false. 
I have never made a late payment on these accounts. The reported late payment history is inaccurate and must be corrected : XXXX XXXX High Balance {$1000.00} Opened XX/XX/XXXX XXXX  XXXX High Balance {$2700.00} Opened XX/XX/XXXX XXXX  XXXX High Balance {$3500.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX High Balance {$17000.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX High Balance {$16000.00} Opened XX/XX/XXXXXXXX XXXX XXXXXXXX High Balance {$4500.00} Opened XX/XX/XXXXXXXX XXXX XXXX High Balance {$3000.00} Opened XX/XX/XXXX XXXX XXXXXXXX High Balance {$2200.00} Opened XX/XX/XXXX I request these furnishers provide full payment histories and verification, as required under FCRA 609 and 623. If they can not verify the late payments with legally compliant documentation, they must correct the information immediately. 

XXXX. COLLECTIONS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS The following collection accounts are not mine, and I have no knowledge of them. 
These must be deleted if the furnishers can not provide full validation : XXXX XXXX XXXX High Balance {$290.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX High Balance {$760.00} Opened XX/XX/XXXX Under the FDCPA and FCRA, furnishers must provide full validation including original creditor details, signed contracts, and itemized statements. If they can not validate, these accounts must be deleted. 

REQUEST FOR CFPB ACTION I respectfully request that the CFPB : Require the credit bureaus to conduct a full reinvestigation. 

Require all furnishers to provide complete and original documentation, not automated responses. 

Remove or correct all items that can not be verified with proper evidence. 

Ensure compliance with FCRA 602, 607, 609, 611, and 623. 

These inaccuracies are harming my credit and financial opportunities. I request your immediate assistance in resolving this matter. 

Thank you for your time and support.

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