Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
Dear CFPB Investigator, I am submitting this formal complaint because multiple credit reporting agencies and furnishers have been reporting inaccurate, unverified, and unauthorized information on my credit profile. These errors have severely damaged my credit reputation and caused unnecessary hardship. Despite my previous attempts to resolve these issues directly with the furnishers and credit bureaus, they have failed to properly investigate or correct the inaccuracies as required by federal law. 
Below are the specific issues I am disputing : Wrong Address Reporting The following addresses are being falsely associated with my credit profile. I have never lived, received mail, or conducted any financial activity at these locations. These must be permanently deleted from my file as they do not belong to me : XXXX XXXX, XXXX, NY XXXX Incorrect address ; not affiliated with me. 
XXXX XXXX XXXX, XXXX, NY XXXX Incorrect address ; not affiliated with me. 
Inaccurate Account Information XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$650.00} Issue : Reported as late payment. 
I dispute the accuracy of this reporting. I have never missed or made late payments on this account. The late payment history is false and must be corrected to reflect an on-time payment record. 
XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00} Issue : Reported as late payment. 
This is also incorrectly marked as late. I demand a reinvestigation and verification from the original creditor. If it can not be verified with supporting evidence, it must be updated to show a perfect payment history. 
XXXXXXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$250.00} Issue : Reported as Charge Off. 
I have no knowledge of this account or any relationship with this creditor. This account appears fraudulent or erroneously reported. Please delete this item immediately if the furnisher can not provide original signed documentation validating ownership. 
XXXX XXXXXXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Reported as Charge Off. 
This account is inaccurately reported as charged off despite showing a {$0.00} balance. This inconsistency violates the accuracy requirements under FCRA 607. Please correct or delete this record immediately. 
XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$540.00} Issue : Reported as Late Payment. 
I never missed payments on this account. The negative notation is incorrect and must be updated to show all payments as on time. 
XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$930.00} Issue : Reported as Collection I have no record or knowledge of any debt being transferred to XXXX XXXX. This collection is unverified and must be deleted unless original documentation with my signature is produced. 
Unverified Hard Inquiries The following credit inquiries appear on my report without my consent or authorization : XXXX XX/XX/XXXX XXXX XX/XX/XXXX I never applied for new credit with XXXX during these periods. These inquiries are unauthorized and must be deleted. 
Legal Violations and Consumer Harm These inaccuracies and negligent reporting practices have caused significant financial and emotional distress. The furnishers and credit reporting agencies are in violation of : FCRA 602, 607, and 611 Failure to maintain accurate records and reinvestigate disputed information.

FDCPA 807 ( 8 ) Misrepresentation and false credit reporting.

FCRA 623 Furnishers providing inaccurate information to consumer reporting agencies. 
Requested Resolution I request the CFPB to investigate and compel the responsible parties including XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX as well as the credit bureaus ( Experian, XXXX, and XXXX ) to : XXXX. Delete or correct all inaccurate, unverifiable, and duplicate information. 
XXXX. Remove all wrong addresses from my credit file. 
XXXX. Remove all unauthorized hard inquiries. 
XXXX. Provide me with a written confirmation and updated credit report reflecting these corrections. 
I have attached a copy of my identification, proof of address, and a copy of my credit report with all disputed items clearly highlighted. 
Thank you for your immediate attention and for protecting consumers from unfair reporting practices. I request a full investigation and written response confirming corrective action.

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