Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unverifiable entries on my credit report that are severely impacting my creditworthiness, financial reputation, and ability to access credit. Despite my efforts to correct these errors, the reporting agencies and creditors have failed to provide verification or take corrective action. I demand immediate action under the Fair Credit Reporting Act ( FCRA ) 607, 609, 611, and 623, which require accurate reporting, proper verification, and correction or deletion of unverifiable accounts. 
Disputed Items and Issues : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Wrong Address This address has never been associated with me and its inclusion is fraudulent and misleading. 

XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, High Credit {$31000.00} Charge Off I have no knowledge of this account, have never authorized or opened it. The account reporting as charge-off is unverifiable and must be deleted. Reporting this without verification violates FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ). 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, High Credit {$7700.00} Charge Off I dispute this account in full as I never opened, authorized, or used this account. The reporting is false and misleading. Deletion is required. 
XXXX XXXX, Opened XX/XX/XXXX, High Credit {$5100.00} Charge Off This account has never been mine. Reporting it as a charge-off without verification violates FCRA 607, 609, 623. Immediate removal is demanded. 
XXXX XXXX XXXX, Opened XX/XX/XXXX, High Credit {$9000.00} Charge Off I have no knowledge of this account and never authorized it. Reporting as charged-off is a serious violation of my consumer rights under FCRA. 
XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, High Credit {$0.00} Late Payment The reporting of late payments is incorrect ; I have never missed any payment on this account. Under FCRA 611, this inaccurate status must be corrected to reflect accurate payment history. 
XXXX XXXX  XXXX XXXX, Opened XX/XX/XXXX, High Credit {$0.00} Late Payment I dispute the late payment status as completely inaccurate. The account history should be corrected immediately. 
XXXX XXXX  XXXX XXXX, Opened XX/XX/XXXX, High Credit {$0.00} Late Payment I have never had late payments on this account. The reporting of late payments is false and must be corrected to reflect accurate information. 
XXXX XXXX XXXX XXXX  XXXX, Opened XX/XX/XXXX, High Credit {$0.00} Charge Off I have no knowledge of this account and never authorized it. Reporting it as a charge-off is completely false, misleading, and unverifiable. FCRA 607 ( b ), 609, 623 ( a ) ( 1 ) ( A ) require removal or correction immediately. 
XXXX XXXX XXXX, Opened XX/XX/XXXX, High Balance {$2900.00} Collection I dispute this collection account as I have never incurred this debt, nor was I ever notified or responsible. Reporting this without verification violates FCRA 623 and constitutes negligent and potentially willful misreporting. Immediate deletion is demanded. 
XXXX  XXXX XXXX, Opened XX/XX/XXXX, High Balance {$2000.00} Collection I have no knowledge of this account. The collection status is unverified and incorrect. FCRA 611 requires that unverifiable accounts be removed from my credit report. Immediate removal is demanded. 
XXXX XXXX  XXXX, Opened XX/XX/XXXX, High Balance {$590.00} Collection I never incurred this debt and have never been contacted regarding this account. Its presence on my report is inaccurate and violates FCRA 607, 609, 623. I demand deletion. 
XXXX  XXXX, Opened XX/XX/XXXX, High Balance {$120.00} Collection This account is completely unknown to me. Reporting this debt without proper validation is false and misleading. Under FCRA 611 and 623 ( a ) ( 1 ) ( A ), I demand this entry be removed immediately. 
Legal Demand : I demand that the CFPB intervene to ensure the credit reporting agencies fully investigate, verify, and either correct or delete these disputed entries. Failure to comply violates federal law and my consumer rights, exposing the responsible parties to potential legal liability. 
Supporting Facts : I have never authorized or maintained any of these accounts. The reporting of these charge-off and collection accounts is false, misleading, and damaging to my financial standing. The presence of these inaccurate entries constitutes willful misreporting and negligent reporting by the creditors and credit bureaus. Immediate correction or deletion is required. 
Please provide written confirmation of your receipt of this complaint and a timeline for your actions to correct or remove these inaccurate entries. I expect resolution within the statutory timeframe as outlined by federal law.

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