Consumer complaint received 2025-09-22 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: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate, unverifiable, and misleading entries appearing on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ). These inaccuracies are causing severe harm to my creditworthiness and financial stability. Despite my previous disputes, these errors remain unresolved. 

XXXX. Wrong/Unverifiable Addresses The following addresses are being falsely reported and do not belong to me : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX addresses are inaccurate, misleading, and must be immediately removed from my credit file. 

XXXX. Inaccurate Account Reporting Late Payments The following accounts are reporting late payments that are either inaccurate, unverifiable, or beyond allowable reporting periods under FCRA 605 ( a ) : XXXX XXXX Opened XX/XX/XXXX Balance {$140.00} XXXX XXXX XXXXXXXX XXXX Multiple entries dated XXXX Balances {$1500.00}, {$200.00}, {$2000.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$19000.00} XXXX XXXX Opened XX/XX/XXXX Balance {$14000.00} These late payments appear duplicated and/or misreported, and some accounts are over XXXX XXXX XXXX, which makes continued reporting unlawful under FCRA. 

XXXX. Charge-Offs Reported in Violation of FCRA XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} Still showing as Charge-Off despite being settled. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$19000.00} Incorrectly reported as Charge-Off without proper validation. 

Both entries are incomplete, misleading, and not properly validated, violating FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX. Excessive and Unwarranted Hard Inquiries The following unauthorized inquiries are damaging my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I did not authorize these inquiries, and their continued reporting is a violation of FCRA 604 ( a ) ( 3 ).

Relief Requested I respectfully request that the CFPB : Investigate these reporting violations with the credit reporting agencies and furnishers. 

Require deletion of all unverifiable and inaccurate accounts, charge-offs, late payments, and unauthorized inquiries. 

Ensure correction/removal of false addresses from my credit file. 

Hold the furnishers and credit bureaus accountable for their failure to comply with FCRA and FDCPA obligations.

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