Consumer complaint received 2025-12-27 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: OH

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute multiple inaccurate and unverifiable items appearing on my consumer credit file. Despite prior disputes, these items continue to be reported without proper verification, causing significant harm to my credit profile. This complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX I have no knowledge of or association with this address. Its continued reporting is inaccurate and misleading.

Violations : FCRA 602 ( a ), 611 ( a ) ( 1 ), 623 ( a ) ( 1 ) Demand : Immediate deletion of this address XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I have no knowledge of this alleged charge-off, and no competent verification has been provided. 
Violations : FCRA 611 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ), 623 ( b ) Demand : Immediate deletion XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} This charge-off has not been properly validated or verified. 
Violations : FCRA 611 ( a ), 623 ( a ) ( 1 ) Demand : Immediate deletion XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} Charge-off reporting lacks proper verification and documentation. 
Violations : FCRA 611 ( a ) ( 1 ), 623 ( b ) Demand : Immediate deletion XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} I have no knowledge of this charge-off account, and no valid proof has been provided. 
Violations : FCRA 611 ( a ), 623 ( a ) ( 1 ), 623 ( b ) Demand : Immediate deletion XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late payments reported on a XXXX-balance account are inaccurate and misleading.

Violations : FCRA 623 ( a ) ( 1 ), 611 ( a ) Demand : Correction of inaccurate late payment history XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late payment history is inaccurate and not properly verified. 
Violations : FCRA 611 ( a ) ( 1 ), 623 ( b ) Demand : Correction of inaccurate payment history XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reporting late payments on a XXXX-balance account is inaccurate. 
Violations : FCRA 623 ( a ) ( 1 ), 611 ( a ) Demand : Update or correct inaccurate reporting XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} I have never received proper validation of this alleged debt. 
Violations : FDCPA 809 ( b ), FCRA 611 ( a ), 623 ( a ) ( 1 ) Demand : Immediate deletion due to failure to validate XXXX XXXX Inquiry Date : XX/XX/XXXX I have no knowledge of or authorization for this inquiry.

Violations : FCRA 604 ( a ), 611 ( a ) Demand : Immediate deletion of this unauthorized inquiry The continued reporting of these inaccurate accounts, incorrect address, and unauthorized inquiry demonstrates a failure to comply with federal law. I respectfully request that the CFPB investigate these matters and require the immediate correction or deletion of all unverifiable and inaccurate information.

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 non-monetary relief