Consumer complaint received 2025-11-13 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: MA

Complaint narrative:
To Whom It May Concern, I am filing this complaint to report the inaccurate and unverifiable information appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute and demand correction or deletion of false and unverifiable data that has caused harm to my credit standing. I have identified multiple errors regarding addresses, accounts, and inquiries which are being reported inaccurately and without proper verification as required under federal law. 

ADDRESS : XXXX XXXX PL XXXX XXXX XXXX, XXXX, GA XXXX This address is inaccurate and associated with accounts that are not mine. Under FCRA 607 ( b ) and 611 ( a ), remove any unverifiable or incorrect address data immediately. 

XXXX XXXX XXXX Acct # : XXXX * * Opened : XX/XX/XXXX Bal : {$380.00} Late Payment * * This late payment is not supported by any verified record. Unverified information violates FCRA 611 ( a ) and must be deleted immediately. 

XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Bal : {$160.00} Charge Off * * Reported charge-off without verified proof of default. Under FCRA 609 ( a ) ( 1 ) and 623 ( b ), unverifiable data must be deleted. 

XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Bal : {$130.00} Charge Off * * Duplicate and unverified reporting misrepresents account history. This violates FCRA XXXX ( b ) and must be corrected. 

XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Bal : {$4200.00} Late Payment * * Late payment history is unverified and inaccurate. Under FCRA XXXX ( a ) and XXXX ( a ) ( XXXX ) ( A ), delete unverifiable information. 

XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Bal : {$2400.00} Late Payment * * Duplicate entry of the same loan causing false reporting. Violation of FCRA XXXX ( b ) and must be deleted. 

XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Bal : {$9800.00} Late Payment * Payment history inaccurate and not verified by creditor. FCRA 611 ( a ) ( 5 ) ( A ) requires deletion if unverified. 

XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Bal : {$2900.00} Late Payment * * Reported late despite on-time payments. Violates FCRA XXXX ( a ) ( XXXX ) and must be removed immediately. 

XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Bal : {$2200.00} Late Payment * * Duplicate student loan record violating FCRA XXXX XXXX b ). Delete all repetitive entries immediately. 

XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Bal : {$1900.00} Late Payment * * Another duplicate entry of same account. Violates FCRA 607 ( b ) and 611 ( a ). 

XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Bal : {$0.00} Late Payment * * Reporting a late payment with {$0.00} balance is inaccurate. Under FCRA 623 ( a ) ( 1 ) ( A ), delete immediately. 

XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Bal : {$0.00} Charge Off * * {$0.00} balance charge-off can not exist and violates FCRA 607 ( b ). Must be deleted. 

XXXX XXXX XXXX. Acct # : XXXX * Opened : XX/XX/XXXX Bal : {$390.00} Charge Off * * Reported without proof of default or ownership. Unverified data violates FCRA 611 ( a ). 

XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Bal : {$130.00} Late Payment * * Misreported under multiple statuses. Violates FCRA 607 ( b ) and must be removed. 

XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Bal : {$130.00} Charge Off * * Duplicate reporting of same account, violating FCRA 607 ( b ). Delete this entry. 

XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Bal : {$1000.00} Charge Off * * Unverified and unauthorized report. Violates FCRA 611 ( a ) and 623 ( b ). 

JPMCB CARD Date : XX/XX/XXXX Unauthorized inquiry made without consent. Violates FCRA 604 ( a ) ( 2 ). Delete immediately. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX Unauthorized credit inquiry violating FCRA 604 ( a ) ( 3 ). Must be removed.

I am requesting that the CFPB conduct a full investigation into these violations under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. The inaccurate addresses must be permanently removed, the unverified charge-off must be deleted, and the unauthorized inquiry must be erased immediately. I expect written confirmation once corrective actions are taken in compliance with federal law. The continued reporting of inaccurate or unverifiable information after this formal dispute may result in further action to protect my consumer rights under 15 U.S.C. 1681 and 15 U.S.C. 1692.

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