Consumer complaint received 2025-11-01 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: IN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against the credit bureaus and the furnishers listed below for reporting false and damaging information on my credit profile. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have provided complete details for each item below for your review and immediate correction. 

Address : XXXX XXXX XXXX, IN XXXX This address does not belong to me and was never associated with any of my accounts or residence history. Continuing to report it after prior dispute violates FCRA 607 ( b ), which mandates the credit bureau to ensure maximum possible accuracy, and 611 ( a ) ( 5 ) ( A ), which requires deletion of unverifiable data. It is unjust and misleading to associate me with a location where I have no verifiable connection. 

Address : XXXX XXXX XXXX XXXX, OH XXXX This is another inaccurate address never linked to me. Failure to remove it despite previous notice constitutes a willful violation of FCRA 607 ( b ) and 611 ( a ). Reporting false personal information damages my file integrity and creates confusion for lenders and verification systems. 

DEPTEDXXXX XXXXXXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX  This account is reporting false delinquencies without valid documentation or verification from the original creditor. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate. The absence of proof of late payments renders this account unverifiable and in violation of FCRA 611 ( a ) and 607 ( b ). 

DEPTEDXXXX XXXX XXXX XXXX  High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX  This duplicate listing with inconsistent balances and payment history creates confusion and damages the credibility of my report. The FCRA strictly prohibits duplicate or unverifiable reporting under 602 ( b ) and 607 ( b ). This data must be deleted immediately due to lack of validation. 

DEPTEDXXXX XXXX XXXX  High Balance : {$4000.00} Date Opened : XX/XX/XXXXXXXX  Late Payment XXXX XXXX This account remains unverified after my first dispute. There has been no supporting documentation or billing history provided. Reporting unverifiable information is a direct violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ) ( A ). 

DEPTEDXXXX XXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX  This account appears as a duplicate with conflicting details. Duplicate accounts distort my credit profile and violate FCRA 607 ( b ), which obligates credit bureaus to report only accurate, non-redundant data. Since verification was not properly conducted, deletion is required. 

DEPTEDXXXX XXXX XXXX  High Balance : {$4000.00} Date Opened : XX/XX/XXXXXXXX  Late Payment XXXX XXXX  No valid evidence or creditor response was provided during the reinvestigation process. Under FCRA 611 ( a ), if an account can not be verified, it must be deleted immediately. The continued reporting of unverifiable late payments harms my consumer rights and credit reputation. 

DEPTEDXXXX XXXX XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX Late Payment * * The repeated reporting of late payments under varying balances and identical opening dates suggests a data integrity issue. Reporting unverifiable or duplicated information breaches FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). Immediate deletion is warranted. 

XXXX XXXX XXXX High Balance : {$280.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting a late payment that is completely inaccurate. The creditor has failed to produce verifiable evidence of any missed or delayed payment. Under FCRA 607 ( b ) and 611 ( a ), this unsubstantiated information should have been deleted upon first dispute. Continuing to report it demonstrates noncompliance and negligence under federal law. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without my consent or any permissible purpose under FCRA 604 ( a ) ( 3 ) ( A ). Accessing my report without authorization is a violation of my consumer privacy rights under FCRA 604 ( f ). 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. The creditor failed to provide evidence of my consent or a legitimate credit application, violating FCRA 604 ( a ) ( 2 ). This unauthorized access caused harm and should be removed immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without permissible purpose, constituting a violation of FCRA 604 ( a ). No consent, application, or inquiry authorization exists. The continued display of this inquiry on my report damages my credit and privacy rights. 

I am requesting immediate investigation and correction under FCRA 611 ( a ) ( 1 ) ( A ), removal of the inaccurate address, deletion or correction of the false late payment, and removal of all unauthorized inquiries. If verification can not be completed within the legal time frame, I expect full deletion of each item from my report. Continued reporting of these inaccurate items constitutes willful noncompliance with federal law and will result in further legal action or escalation.

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