Consumer complaint received 2025-11-25 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: AZ

Complaint narrative:
I am filing this complaint because several items being reported by the credit bureaus are inaccurate, unverifiable, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve these matters directly with the credit bureaus, but the information remains uncorrected. I am now requesting the CFPBs intervention to enforce proper compliance.

1. Wrong Addresses Reported The following addresses do not belong to me and should not be attached to my file : XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX These addresses are incorrect and reporting them creates identity confusion and possible mixed file reporting, which is a violation under FCRA Section 609 and Section 602A.

2. False Late Payment Reporting The following account is reporting late payments that are 100 % inaccurate : XXXX XXXX XXXX High Balance : {$470.00}, Date Opened : XX/XX/XXXX I have never made any late payments on this account. Therefore, the reporting history is false and must be corrected. Under FCRA 607 ( B ) and FCRA 611, information must be accurate and verifiable. If the furnisher can not provide concrete evidence with timestamped payment records, the late payments must be removed. 

3. Charge-Off and Collection Accounts I Do Not Recognize The following accounts are reporting as charge-offs or collections, and I have no knowledge of or agreement with these accounts. Under FCRA 609 ( a ) ( 1 ) ( A ) and 15 USC 1681, I have the right to request proper validation and proof of ownership. If the furnisher can not validate with original signed documentation, these accounts must be deleted : XXXX XXXX XXXXXXXX XXXX Charge Off Balance : {$320.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Collection Balance : {$910.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  Collection Balance : {$4300.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Collection Balance : {$1200.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Collection Balance : {$4500.00} Opened : XX/XX/XXXX Since I do not acknowledge or recognize these accounts, and they have not been properly validated, I request immediate deletion.

4. Hard Inquiry Violations The following inquiries were made without my authorization or permissible purpose, violating FCRA 604 : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Hard inquiries without consent are illegal and should be removed immediately.

Requested Action : I request the CFPB to compel the credit bureaus and furnishers to : Remove all incorrect addresses Remove inaccurate late payment reporting Delete all unvalidated charge-off and collection accounts Remove unauthorized hard inquiries Provide full documentation validating all remaining items If the furnishers are unable to produce legally required proof, these items must be deleted under FCRA 611 and 609.

Thank you for your attention. I expect a full investigation and written response.

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