Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I first received a copy of my credit report, I was immediately concerned by addresses listed that I have never lived in. The report shows XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, yet I have never had any association with these locations. Seeing these addresses was alarming because they could lead to accounts, inquiries, or debts being misattributed to me. I have always maintained detailed records of my residences, and nothing matches these entries. It is unsettling to think that a credit bureau could report such fundamental inaccuracies, potentially affecting my ability to secure loans, housing, or even employment. Under FCRA 609 ( a ) ( 1 ), I have the right to a complete and accurate report. I request that you conduct a thorough investigation into these addresses, provide any documentation you claim links me to them, and immediately correct or remove any inaccuracies. Ensuring that my credit report reflects only the places I have legitimately resided is essential for protecting my financial identity. 
As I reviewed my report further, I noticed multiple charge-offs that do not reflect my actual financial history. Accounts such as XXXX XXXX XXXX XXXX XXXX XXXXith a balance of {$930.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with {$1400.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  {$780.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt {$0.00} XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX  were all listed as charge-offs. Upon careful examination of my own records, I determined that the reported balances, dates, and account statuses are inaccurate or unverifiable. It is incredibly stressful to see these discrepancies, as they misrepresent my financial behavior and negatively affect my creditworthiness. I request that you provide all documentation, statements, or communications that substantiate these reported charge-offs. Any discrepancies must be corrected or updated to reflect my true account history in compliance with FCRA 1681i ( a ) ( 1 ). Accurate reporting is not only my right but also crucial to maintaining my financial reputation and ensuring I am not unfairly penalized for errors outside my control.

I was also alarmed to see collections and inquiries listed on my report that do not accurately reflect my financial activity. The collections, including XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX at {$2800.00} XXXX XXXX appear without verification or proper documentation. Similarly, inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 were recorded without my authorization or confirmation of a permissible purpose. It is extremely concerning to see my credit report containing information that I did not authorize and can not verify. These actions may violate FCRA 1681b ( f ) regarding permissible purposes and FCRA 1681i ( a ) concerning the obligation to verify disputed information. I request a full and thorough investigation of these collections and inquiries, including the original account documentation, statements, and authorizations. Any item that can not be verified must be immediately removed or corrected to accurately reflect my credit history. This is essential not only for legal compliance but also for my financial peace of mind.

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