Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint regarding several inaccurate, false, and unverified accounts and inquiries being reported on my credit file by multiple creditors and credit bureaus. These entries are seriously damaging my credit reputation and violate my rights under the Fair Credit Reporting Act ( FCRA ). Despite prior disputes, the credit reporting agencies have failed to provide verified documentation from the original creditors to substantiate these accounts. 
The following accounts and items are being falsely reported, without any legitimate verification or supporting documentation : WRONG ADDRESSES ( Not Associated with Me ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses have no connection to me, my residence history, or any account I have ever held. Reporting inaccurate addresses violates FCRA 607 ( b ), which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. These must be immediately removed from my credit file. 
ACCOUNTS REPORTED WITH ERRORS AND INACCURACIES XXXX XXXX XXXX XXXX  Charge Off * * Open Date : XXXXHigh Balance : {$0.00} This account is inaccurately listed as charged off. I have no knowledge of any such event, and no supporting documentation has been provided. The creditor has failed to validate this report. Reporting unverifiable data violates FCRA 623 ( a ) ( 1 ) ( A ). Please delete this entry immediately if it can not be verified with original records. 
XXXX XXXX XXXX XXXX Charge Off * * Open Date : XXXXHigh Balance : {$0.00} This charge-off is entirely inaccurate. I was never notified of any default, nor have I ever been late on this account. The balance is {$0.00}, which contradicts the claim of a charge-off. This false report is harming my creditworthiness and must be removed if not proven with verifiable evidence. 
XXXX XXXX XXXX XXXX  Charge Off * * Open Date : XXXX Balance : {$0.00} The status of charge-off is incorrect. I never defaulted on any Macys/CBNA account, and no written proof has been provided to justify this reporting. This account must be deleted or corrected immediately under FCRA 611 ( a ). 
XXXX XXXX XXXX XXXX  Charge Off * * Open Date : XXXXHigh Balance : {$0.00} This account showing a {$0.00} balance but listed as charged off is contradictory and misleading. A charge-off can not exist without a verified outstanding balance. Please delete this inaccurate entry immediately if verification can not be provided. 
XXXXXXXX XXXX XXXX XXXX Charge Off * * Open Date : XXXX Balance : {$0.00} This entry is completely disputed. I have no recollection of ever opening this account. If the creditor can not provide proof of ownership, signed agreement, or payment history, it must be permanently deleted as it is inaccurate and unverifiable. 
XXXX XXXX XXXX XXXX Charge Off * * Open Date : XXXXHigh Balance : {$0.00} This account is being falsely reported as charged off. I never had any such relationship or default with XXXX Bank. This reporting is a violation of FCRA 623 ( a ) ( 1 ) ( D ). Remove it unless complete validation is provided. 
XXXX XXXXXXXX XXXX XXXX  Charge Off * * Open Date : XXXXHigh Balance : {$0.00} I have no record of any charge-off with XXXX XXXX. This entry is completely inaccurate and unverified. I demand deletion of this item unless certified documentation can prove otherwise. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Charge Off * * Open Date : XXXXHigh Balance : {$0.00} This account is being falsely reported as charged off. I have never defaulted on any account with XXXX XXXX XXXX, nor have I received any notice of delinquency or default. There is no valid documentation to justify this reporting. If verification can not be provided with original signed records, this entry must be deleted immediately as it violates FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXXXXXX XXXX XXXX  Charge Off * * Open Date : XXXXHigh Balance : {$0.00} This account is incorrectly listed as charged off. I have no record or acknowledgment of any such status, and the reporting of a {$0.00} balance with a charge-off is inconsistent and misleading. Unless you can provide verified documentation from the original creditor, this entry must be deleted for inaccuracy and noncompliance. 
XXXX XXXX XXXX XXXX Charge Off * * Open Date : XXXXHigh Balance : {$0.00} This item is falsely listed as a charge-off, even though the balance is reported as {$0.00}. This contradictory data suggests the reporting is inaccurate or unverifiable. I demand removal of this account unless full validation from the original source is provided under FCRA 611 ( a ). 
XXXX XXXXXXXX XXXX XXXX Charge Off * * Open Date : XXXXHigh Balance : {$0.00} This reporting is inaccurate and misleading. I have no verified documentation supporting a charge-off with XXXXXXXX XXXX XXXX XXXX Without certified records proving such a default occurred, this item must be deleted immediately under FCRA 607 ( b ). 
XXXX XXXXXXXX XXXX XXXX  Charge Off * * Open Date : XXXXHigh Balance : {$0.00} I dispute this account completely. I have never had a charge-off with XXXX XXXX XXXX and no proof has ever been provided to validate this claim. Reporting this information without verification is a violation of FCRA 623 ( a ) ( 1 ) ( D ). Delete this item unless you can produce full documentation from the original creditor. 
XXXX XXXX XXXX XXXX XXXX  Charge Off * * Open Date : XXXXHigh Balance : {$0.00} This account is also inaccurately reported as charged off. I have no knowledge or agreement linked to this specific account. Please provide validation directly from XXXXXXXX XXXX XXXX or remove this item completely for being unverifiable and damaging. 
BANKRUPTCY REPORTING ERROR XXXX XXXX Bankruptcy U.S. Bankruptcy Court Date Filed : XX/XX/XXXX This entry is completely false and must be deleted immediately. I have never filed for XXXX XXXX bankruptcy or any form of bankruptcy whatsoever. Reporting such information without verified court documents is a serious violation of FCRA 607 ( b ). I demand written proof directly from the U.S. Bankruptcy Court or complete removal of this false entry. 
UNAUTHORIZED HARD INQUIRIES XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry was made without my consent or any written authorization. I did not apply for credit with XXXX XXXX XXXX XXXX, nor did I authorize anyone to do so. Please remove this unauthorized inquiry immediately. 
LEGAL GROUNDS FOR COMPLAINT All the above items are violations of the Fair Credit Reporting Act, specifically : FCRA 602 ( A ) Ensures fairness, impartiality, and accuracy in credit reporting.

FCRA 607 ( b ) Requires credit reporting agencies to maintain maximum possible accuracy of information.

FCRA 611 ( a ) Grants the consumer the right to dispute inaccurate information and mandates reinvestigation within 30 days. 
FCRA 623 ( a ) ( 1 ) Prohibits furnishers from reporting information they know or have reason to believe is inaccurate.

FCRA 604 Protects consumers from unauthorized inquiries and pulls of their credit reports.

Despite disputing these errors with the bureaus, no verifiable evidence has been provided. The items continue to be reported without supporting documentation, causing ongoing damage to my creditworthiness, potential loss of financial opportunities, and emotional distress. 
REQUEST FOR CFPB ACTION I am requesting that the Consumer Financial Protection Bureau immediately investigate these violations and compel the credit bureaus and furnishers involved to : 1. Provide verified, certified documentation supporting each reported account, inquiry, and public record ; or 2. Permanently delete all unverified, inaccurate, and unauthorized items from my credit report ; and 3. Ensure compliance with all provisions of the Fair Credit Reporting Act.

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