Consumer complaint received 2025-12-07 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: NC

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, unauthorized, and improperly reported items appearing on my consumer credit reports. These errors violate the Fair Credit Reporting Act ( FCRA ), including but not limited to 602 ( A ), 607 ( B ), 609, 611, and 623, which require consumer reporting agencies and furnishers to maintain maximum possible accuracy and to properly investigate disputes. 

XXXX. WRONG & UNAUTHORIZED ADDRESSES The following addresses are showing on my credit report, and I have no knowledge of them. I have never lived at or been associated with these addresses : XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX addresses are false, misleading, and potentially signs of mixed files or identity errors. I demand immediate removal. 

XXXX. CHARGE-OFF ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS According to FCRA 602 ( A ) and 607 ( B ), bureaus must ensure accuracy. I am asserting that I do not recognize and have no knowledge of the following charge-off accounts, and I am requesting deletion due to inaccuracy and lack of proper verification : XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$840.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$580.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$580.00} Opened XX/XX/XXXX These accounts are unfamiliar, unverified, and inaccurately reported. 

XXXX. LATE PAYMENT ACCOUNTS REPORTING IS INCORRECT & MUST BE CORRECTED For the following student loan tradelines, the reported late payments are inaccurate, as I have never made a late payment. I request correction of the payment history, not deletion of the accounts : XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$2000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$5500.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$3000.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$1700.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$1700.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$2700.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$2000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1700.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$2000.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$4500.00} Opened XX/XX/XXXX These late payments are false and harmful, and must be corrected immediately. 

XXXX. COLLECTION ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS Under FCRA 602 and 609, I have the right to verified, complete, and accurate information. These collection accounts are unknown, unverified, and unauthorized, and I request deletion : XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$260.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$770.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$910.00} Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$280.00} Opened XX/XX/XXXX These accounts must be removed unless the furnishers provide full documentation, not generic data. 

XXXX. INQUIRIES UNAUTHORIZED & NOT PERMITTED The following inquiries were not authorized by me and must be removed : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquiries violate FCRA 604 if obtained without permissible purpose. 

REQUEST FOR ACTION I request that the CFPB : Investigate all listed errors and improper reporting. 

Require all furnishers to provide proper documentation proving ownership, authorization, and accuracy. 

Order deletion or correction of all inaccurate, unverifiable, or unauthorized information. 

Ensure credit bureaus are following reasonable procedures to maintain accurate files as required by FCRA 607 ( b ). 

CONSUMER STATEMENT These inaccuracies have caused significant damage to my creditworthiness, emotional distress, and financial harm. I am requesting immediate corrective action. 

Thank you for your attention. I look forward to a prompt resolution.

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