Consumer complaint received 2025-11-08 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 complaint to formally report multiple serious inaccuracies on my credit reports being reported by various furnishers and credit reporting agencies. These errors have negatively impacted my credit standing and violate my rights under the Fair Credit Reporting Act ( FCRA ).

Below are the specific issues I am disputing : 1. Wrong Addresses Reported The following addresses are incorrectly listed on my credit report. I have never lived at, used, or been associated with these addresses in any capacity : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses must be immediately removed from my credit profile as they are inaccurate and suggest possible identity or reporting errors. 

2. Late Payment Reporting ( Inaccurate History ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, High Credit : {$67000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, High Credit : {$2000.00} I dispute these accounts late payment history as completely inaccurate. I have never made a late payment on these accounts, and I demand the furnishers to provide complete and verifiable documentation of any alleged delinquencies. If they can not produce such documentation, these late payment notations must be immediately corrected to show a perfect payment record. 

3. Collection and Charge-Off Accounts ( No Knowledge ) The following collection and charge-off accounts are being reported without my knowledge or authorization. I have no recollection or record of ever opening or authorizing any of these accounts. These entries appear to be the result of identity theft, clerical errors, or improper data reporting. 

I demand a full investigation, including proof of ownership, signed application, and complete account history. If the furnishers can not validate the accuracy and ownership of these accounts within the legal timeframe, they must be permanently deleted from my credit report. 

Collection Accounts : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct : XXXX ) Opened : XX/XX/XXXX High Credit : {$6200.00} XXXX XXXX XXXX XXXX Acct : XXXX ) Opened : XX/XX/XXXX High Credit : {$4700.00} XXXX ( Acct : XXXX ) Opened : XX/XX/XXXX High Credit : {$13000.00} XXXX XXXX XXXX XXXX Acct : XXXX ) Opened : XX/XX/XXXX High Credit : {$5900.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) ( Acct : XXXX ) Opened : XX/XX/XXXX Balance : {$6200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Acct : XXXX ) Opened : XX/XX/XXXX Balance : {$6900.00} Charge-Off Accounts : XXXX XXXX XXXX  ( Acct XXXX XXXX ) Opened : XX/XX/XXXX {$6900.00} XXXX XXXX  ( Acct : XXXX ) Opened : XX/XX/XXXX {$4800.00} CXXXX XXXX ( Acct : XXXX XXXX XXXX : XX/XX/XXXX {$3800.00} XXXX XXXX XXXX ( Acct : XXXX ) Opened : XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XX/XX/XXXX {$37000.00} XXXX  XXXX ( Acct : XXXX ) Opened : XX/XX/XXXX {$3400.00} XXXX  XXXX ( Acct : XXXX ) Opened : XX/XX/XXXX {$6200.00} XXXX XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XX/XX/XXXX {$96000.00} XXXX XXXX  ( Acct : XXXX ) Opened : XX/XX/XXXX {$13000.00} XXXX XXXX  ( Acct : XXXX ) Opened : XX/XX/XXXX {$4500.00} XXXX XXXX  ( Acct : XXXX ) Opened : XX/XX/XXXX {$3500.00} XXXX XXXX  XXXX ( Acct : XXXX ) XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX ( Acct : XXXX XXXX XXXX XXXX XX/XX/XXXX ( No Balance Listed ) XXXX XXXX ( Acct : XXXX ) Opened : XX/XX/XXXX {$5200.00} None of these accounts are familiar to me, and I have no contractual relationship with these creditors. The presence of these entries on my credit report is damaging and unlawful if unverified. 

4. Unrecognized Inquiry XXXX XXXX XX/XX/XXXX I did not authorize or initiate this inquiry, and it must be removed immediately as an unauthorized credit pull. 

Requested Action I request that the CFPB : Require all listed furnishers to verify and validate each disputed account with original signed contracts and detailed account records. 

Instruct the credit reporting agencies to remove all unverifiable and inaccurate information from my credit reports. 

Ensure that furnishers comply with FCRA 602 ( A ), 607 ( B ), 609, 611, and 623 ( A ) regarding accuracy, verification, and timely correction of disputed information. 

Failure to investigate and correct these violations will result in my pursuing further legal remedies under federal law. 

Thank you for your attention to this matter. I look forward to your confirmation that a formal investigation has been opened.

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