Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and unverifiable information that are being reported on my credit reports by various furnishers and credit reporting agencies. These errors are negatively impacting my creditworthiness and constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Inaccurate Addresses The following addresses are being reported on my credit file, but I have never lived at nor been associated with these locations : XXXX XXXX XXXX, XXXX, SC XXXX Wrong Address XXXX XXXX XXXX, XXXX, SC XXXX Wrong Address These addresses are false and should be immediately deleted from my credit profile as they misrepresent my residence history and raise serious data accuracy concerns. 

2. Charge-Off and Collection Accounts ( Accounts I Have No Knowledge Of ) The following accounts are being reported as charge-offs or collections, yet I have no knowledge of these accounts, have never authorized or opened them, and the furnishers have failed to provide proper verification under FCRA 611 ( a ) ( 1 ) : XXXX ( Acct XXXXXXXX XXXX XXXX XXXX High Balance : {$450.00} | Opened : XX/XX/XXXX Charge Off XXXX XXXX ( Acct XXXXXXXX XXXX XXXX  ) High Balance : {$530.00} | Opened : XX/XX/XXXX Charge Off XXXX ( Acct XXXXXXXX XXXX XXXX ) High Balance : {$500.00} | Opened : XX/XX/XXXX Charge Off XXXX  ( Acct XXXXXXXX XXXX XXXX ) High Balance : {$2700.00} | Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX ( Acct XXXX XXXX XXXX XXXX High Balance : {$2800.00} | Opened : XX/XX/XXXX Collection XXXX XXXX ( Acct XXXXXXXX XXXX XXXX ) High Balance : {$790.00} | Opened : XX/XX/XXXX Collection XXXX XXXX  ( Acct XXXXXXXX XXXX XXXX  ) High Balance : {$640.00} | Opened : XX/XX/XXXX Collection XXXX XXXX  ( Acct XXXXXXXX XXXX ) High Balance : {$500.00} | Opened : XX/XX/XXXX Collection I am formally disputing these accounts as fraudulent, inaccurate, and unverified. These items must be deleted from all credit reports unless the furnishers can provide complete documentation including signed applications, account statements, and proof of my authorization. 

3. Late Payment Accounts with Inaccurate Payment History The following accounts are being reported with late payments, which is entirely false. I have never made any late payments on these accounts, and the reported payment history is inaccurate and misleading : XXXX ( Acct XXXXXXXX XXXX XXXX  ) High Balance : {$340.00} | Opened : XX/XX/XXXX Late Payment ( Inaccurate ) XXXX XXXX ( Acct XXXX XXXX XXXX XXXX High Balance : {$23000.00} | Opened : XX/XX/XXXX Late Payment ( Inaccurate ) XXXX XXXX XXXX ( Acct XXXX XXXX XXXX  ) High Balance : {$21000.00} | Opened : XX/XX/XXXX Late Payment ( Inaccurate ) XXXX XXXX XXXX ( Acct XXXXXXXX XXXX XXXX  ) High Balance : {$5100.00} | Opened : XX/XX/XXXX Late Payment ( Inaccurate ) XXXX XXXX XXXX ( Acct XXXXXXXX XXXX XXXX  XXXX High Balance : {$3500.00} | Opened : XX/XX/XXXX Late Payment ( Inaccurate ) XXXX XXXX XXXX ( Acct XXXXXXXX XXXX XXXX ) High Balance : {$3000.00} | Opened : XX/XX/XXXX Late Payment ( Inaccurate ) I am requesting a correction of these false late payment notations to accurately reflect my perfect payment history. Reporting inaccurate derogatory data is a violation of FCRA 623 ( a ) ( 1 ) ( A ).

Requested Action Under the Fair Credit Reporting Act, I am requesting that the CFPB : Investigate each of the furnishers and reporting agencies involved in these inaccuracies. 

Require verification or deletion of all unverified charge-off and collection accounts. 

Instruct the credit bureaus ( XXXX, Experian, XXXX XXXX ) to delete the wrong addresses listed above. 

Correct all false late payment entries and restore accurate positive payment history. 

These reporting errors have caused substantial harm to my credit reputation, emotional distress, and denial of credit opportunities. I expect immediate corrective action. 

Thank you for your prompt attention to this serious matter.

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