Consumer complaint received 2025-10-22 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: TN

Complaint narrative:
I am submitting this formal complaint against multiple furnishers and credit reporting agencies for willful and negligent violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). My credit reports contain numerous inaccurate, unverifiable, and misleading entries, which have severely affected my creditworthiness and caused financial and reputational harm.

1. Wrong and Inaccurate Addresses The following addresses appearing on my credit report are completely unrelated to me and must be removed immediately : XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX These addresses are incorrect and may indicate file mixing or identity misassociation, which violates FCRA 607 ( b ) ( requiring maximum possible accuracy in consumer reports ). The presence of these wrong addresses compromises the integrity of my file and exposes me to potential fraud risk.

2. Inaccurate and Unverified Account Reporting The following accounts have been inaccurately reported with false late payments, charge-offs, and collections without proper verification or documentation : XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Reported Late Payments | High Balance : {$2300.00} XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX | Reported Late Payments | High Balance : {$1000.00} XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Reported Charge-Off | High Balance : {$1700.00} XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Reported Late Payments | High Balance : {$600.00} XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Reported Late Payments | High Balance : {$44000.00} Each of these furnishers has failed to provide proper verification or documentation under FCRA 611 ( a ) and 623 ( b ) when disputed. Reporting unverifiable or inaccurate information after a consumer dispute constitutes a willful violation of federal law. 

3. Improper and Duplicative Collection Reporting by XXXX XXXX XXXX The following collection accounts reported by XXXX XXXX XXXX are duplicative, inconsistent, and unverifiable : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$1400.00} XXXX XXXX # XXXXXXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$960.00} XXXX XXXX # XXXXXXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$1500.00} XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$1600.00} These accounts appear to be duplicate representations of the same alleged debt, reported under different balances and dates. This practice constitutes misrepresentation and deceptive collection behavior, violating FDCPA 807 ( 2 ) ( A ) and FCRA 623 ( a ) ( 1 ) ( A ). Such false and duplicative entries materially damage my credit standing.

4. Unauthorized and Excessive Hard Inquiries The following unauthorized credit inquiries were conducted without my written consent or permissible purpose under FCRA 604 ( a ) : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me and appear to be impermissible access of my consumer file, which is a direct violation of FCRA 604 ( f ). Each unauthorized inquiry must be investigated and removed immediately.

5. Requested Actions and Remedies I respectfully request the CFPB to : Conduct a comprehensive investigation into the above furnishers and credit bureaus for violations of the FCRA and FDCPA.

Compel the credit reporting agencies to delete the inaccurate addresses, duplicate collections, unauthorized inquiries, and all unverifiable negative information.

Require the furnishers to cease reporting any data that can not be fully substantiated with original signed documentation and payment history.

Impose appropriate penalties for negligent or willful violations under FCRA 616 and 617.

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