Consumer complaint received 2025-11-03 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:
Dear Consumer Financial Protection Bureau, I am filing this complaint against the credit bureaus and furnishers listed below for reporting inaccurate, incomplete, and unverified information on my credit report. I have already disputed these items directly with the credit bureaus under the Fair Credit Reporting Act ( FCRA ) 611, yet the inaccurate information continues to appear.

The errors include multiple wrong addresses, incorrect late payments, false charge-offs, unverified collection accounts, and unauthorized inquiries that are damaging my credit standing and causing me emotional and financial distress. 
Wrong Addresses Reported XXXX XXXX XXXX, XXXX, FL, XXXX This address is not mine and has never been associated with my residence history. I have never lived, received mail, or conducted any financial activity at this location. It is crucial that this address be removed from my credit file to ensure my identity and personal information are accurately represented. 
XXXX XXXX XXXX, XXXX XXXX XXXX, FL, XXXX This address is also incorrect and does not belong to me. Including this address on my credit report creates confusion and raises potential issues of mixed or merged files. I request immediate removal to prevent further misreporting or fraudulent association. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX I have no association whatsoever with this address. The inclusion of this address on my credit profile may lead to identity confusion or the mixing of another consumers data with mine. I urge you to delete this address immediately to maintain the integrity of my credit information. 
Accounts Reporting Incorrect or Unverified Information XXXX ( Account No : XXXX ) Opened on XX/XX/XXXX with a reported high balance of {$2600.00}. 
This account is inaccurately showing late payments that never occurred. I have always maintained my XXXX account responsibly, and I have not missed any payments during the lifetime of the account. Please review your records and correct the payment history to accurately reflect my timely payments. Misreporting of payment history severely impacts my creditworthiness and must be rectified without delay. 
XXXX ( Account No : XXXX ) Opened on XX/XX/XXXX with a high balance of {$5400.00}. 
This account is currently being reported as a charge-off, but I have no record or knowledge of this debt. I never received any billing statements or charge-off notifications for such an account. If the furnisher can not provide complete verification including original signed agreements and payment records, I request immediate deletion of this account from my credit report. 
XXXX XXXX XXXX XXXX  ( Account No : XXXX ) Opened on XX/XX/XXXX with a reported high balance of {$0.00}. 
This account is listed as a charge-off even though I have no prior relationship or credit activity with XXXXXXXX XXXX XXXX under this account number. I am disputing its validity and demanding proof of ownership. If such documentation can not be produced, it must be permanently deleted from my report. 
XXXX ( Account No : XXXX ) Opened on XX/XX/XXXX with a high balance of {$630.00}. 
This account reflects multiple late payments that are completely inaccurate. I have never missed any payments with XXXXXXXX XXXX or its affiliates. I request an immediate correction of my payment history to accurately reflect my on-time record, as required under FCRA Section 607 ( b ), which mandates that only accurate and verifiable information be reported. 
XXXX ( Account No : XXXX ) Opened on XX/XX/XXXX with a reported high balance of {$110.00}. 
This account is showing late payments that are not true. I have always made payments in accordance with the billing schedule, and the negative reporting is a clear violation of data accuracy obligations. I am requesting that this error be corrected immediately and that my payment history be restored to show on-time payments only. 
XXXX XXXXXXXX ( Account No : XXXX ) Opened on XX/XX/XXXX with a high balance of {$1100.00}. 
This account is being reported as a charge-off, but I have no knowledge of such a loan or transaction. I did not authorize or initiate any agreement under this account number. I request immediate verification with original documentation or deletion if such evidence can not be provided. 
XXXX XXXX ( Account No : XXXX ) Opened on XX/XX/XXXX with a reported high balance of {$410.00}. 
This is also being reported as a charge-off, which is completely inaccurate. I never received any notices, billing statements, or validation from XXXX regarding this account. I dispute the legitimacy of this record and request its complete removal if the furnisher can not verify it with proper documentation. 
XXXX XXXXXXXX ( Account No : XXXX ) Opened on XX/XX/XXXX with a reported high balance of {$130.00}. 
This charge-off listing is not mine and is unverified. No such account exists under my name or SSN. I request deletion of this entry to ensure my report accurately represents my credit history. 
XXXXXXXX XXXX  ( Account No : XXXX ) Opened on XX/XX/XXXX with a high balance of {$2100.00}. 
This collection account is not recognized, and I have never been contacted or provided with validation under the Fair Debt Collection Practices Act ( FDCPA ). Please remove this account immediately unless verifiable documentation is supplied confirming that this debt belongs to me. 
XXXXXXXX XXXX  ( Account No : XXXX ) Opened on XX/XX/XXXX with a high balance of {$970.00}. 
I have no record of any debt with XXXXXXXX XXXX, and I have not authorized them to report any collection on my behalf. This account appears to be inaccurate or fraudulent. I request prompt investigation and deletion from my credit report if it can not be fully verified. 
Unrecognized Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I did not authorize any of these inquiries, nor did I apply for any new credit with these institutions on the listed dates. These inquiries were made without my consent and negatively affect my credit score. Please remove these unauthorized inquiries immediately and investigate the source to prevent further misuse of my personal information. 
REQUEST FOR CFPB ASSISTANCE I am requesting the CFPBs direct intervention to ensure these inaccurate, unverifiable, and misleading entries are properly investigated and corrected by the credit bureaus and furnishers. The continued reporting of false information is harming my credit reputation, limiting my access to financial opportunities, and causing unnecessary distress. 
I have already submitted written disputes to the credit bureaus and have attached copies of my dispute letters, proof of identity, and credit report excerpts showing the inaccuracies. Despite this, the bureaus have failed to correct the errors, forcing me to escalate this matter to the CFPB for assistance. 
I respectfully request that CFPB hold the data furnishers and reporting agencies accountable for : Failing to maintain accurate and complete records under FCRA 607 ( b ).

Failing to properly reinvestigate disputed items within 30 days as required under FCRA 611. 
Reporting unverifiable or false information that does not belong to me. 
Please ensure that these inaccuracies are removed or corrected immediately, and that all involved parties provide written confirmation of their actions. 
Thank you for your time and attention to this matter. I look forward to your prompt response and resolution.

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