Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
I am submitting this formal complaint because several items appearing on my credit reports are completely inaccurate, unverified, and damaging to my credit reputation. I have attempted to resolve these issues directly with the credit reporting agencies, but they have failed to conduct a fair and reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. 

Below are the specific inaccuracies I am disputing : Wrong Addresses Reported : XXXX XXXX XXXX, XXXX, SC XXXX This address is incorrect and not associated with me in any way. 

XXXXXX/XX/XXXXXXXX, SC XXXX This address is also incorrect and must be deleted from my file immediately. 

These addresses are not connected to me or my residence history. Their continued presence on my credit file raises serious concerns about identity confusion or potential mixed file errors. 

Accounts I Have No Knowledge Of ( Request for Deletion ) : These accounts are being falsely reported as Charge-Off or Collection, and I have no knowledge or relationship with these creditors. I never authorized, opened, or was notified about these accounts :XX/XX/XXXX High Balance : {$240.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXXXX/XX/XXXXHigh Balance : {$550.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXXXX/XX/XXXX High Balance : {$810.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXXXX/XX/XXXXHigh Balance : {$180.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXXXX/XX/XXXXHigh Balance : {$500.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXXXX/XX/XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Charge OffXX/XX/XXXXXXXX XX/XX/XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX CollectionXX/XX/XXXXHigh Balance : {$450.00} Date Opened : XX/XX/XXXX Collection These accounts are completely unfamiliar to me. They appear to have been added without proper verification or documentation, which is a direct violation of FCRA XXXX ( a ) and FCRA XXXX ( a ). I am requesting that CFPB ensure these accounts are fully investigated and permanently deleted from all consumer reporting agencies unless verified with original signed contracts or application documents linking me personally to each account. 

Hard Inquiries ( Potentially Unauthorized ) : Additionally, the following inquiries appear on my credit report without my consent : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX These inquiries were not authorized by me and should be reviewed for potential FCRA XXXX ( a ) violations. 

Requested Action : Immediate removal of all incorrect addresses. 

Full investigation and deletion of all charge-off and collection accounts listed above unless verified with valid documentation. 

Review and removal of all unauthorized inquiries. 

Confirmation that the credit bureaus comply with their legal obligations under FCRA XXXX ( a ) for proper reinvestigation and correction. 

I am attaching a copy of my ID and proof of current address to assist in verification. Please take prompt action to ensure these violations are corrected. These inaccurate items have significantly harmed my creditworthiness and caused undue distress. 

Thank you for your immediate attention to this matter. I request a written response confirming receipt of this complaint and outlining the steps that will be taken.

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