Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and unlawful reporting on my consumer credit file. The credit bureaus and furnishers have failed to comply with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other related consumer protection laws. My file reflects false, unverifiable, and outdated information that continues to cause harm to my creditworthiness and reputation. I am requesting that the Consumer Financial Protection Bureau investigate the following items thoroughly and ensure all inaccurate information is deleted or corrected in compliance with federal law. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX This address is inaccurate and does not belong to me. Reporting an incorrect address constitutes a violation of FCRA 602 ( A ) and 607 ( b ), as it reflects failure to maintain accurate consumer records and proper verification procedures. The continued reporting of this wrong address misrepresents my identity and is considered negligent handling of consumer data under federal law. 

XXXX XXXX XXXX XXXX, AZ XXXX This address is not associated with my residence or credit activity. Reporting unverifiable address data without my authorization breaches FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation. The credit bureau has ignored evidence previously provided, violating my rights under the FCRA and causing continued harm to my credit standing. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment * * Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} This account is being inaccurately reported with late payments that are not substantiated by any verifiable payment history. Reporting such false information violates FCRA 611 ( a ) and FDCPA 807 ( 8 ), which prohibit communicating false credit data. Since no original signed agreement or payment record has been verified, this information must be deleted immediately for noncompliance with proper verification standards under FCRA 609 and 611. 

XXXX XXXX NA ( XX/XX/XXXX ) This inquiry was unauthorized and made without my written consent or any permissible purpose under FCRA 604 ( a ) ( 2 ). The inquiry damages my credit score and privacy rights. Maintaining such unauthorized inquiries after notice of dispute is a willful violation of FCRA 616 and 617. Immediate removal is required to remain in compliance with federal law.

I respectfully request that the Consumer Financial Protection Bureau investigate these violations and compel the furnishers and credit bureaus to provide complete validation or permanently delete these items from my credit file. I expect written confirmation of receipt and resolution in accordance with FCRA and CFPB complaint procedures.

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