Consumer complaint received 2025-11-10 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 submitting this complaint regarding several inaccurate and unverified items being reported on my credit report. These items are causing significant harm to my credit standing and do not accurately reflect my personal or financial history. Despite prior efforts to resolve these discrepancies directly with the credit reporting agencies, the inaccurate information remains. 

XXXX. Wrong Addresses Reported XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have no affiliation or residency history with these addresses. Their appearance on my credit file is inaccurate and suggests possible file merging or identity misuse. I request a thorough investigation and permanent removal of these incorrect addresses from my report. 

XXXX. Inaccurate Charge-Off Account XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Status : Charge-Off Balance Owed : {$0.00} I have no knowledge of this account and have never opened or authorized any account with XXXX  XXXX. Reporting this as a charge-off is a serious error and a violation of FCRA 602 ( A ) and 611, as the furnisher has not provided verifiable proof that this account belongs to me. I demand that this unverified charge-off be deleted immediately from my credit file. 

XXXX. Unverified Collection Account XXXX XXXX XXXX XXXXXXXX High Balance : {$990.00} Date Opened : XX/XX/XXXX I have no recollection or record of this account and did not authorize any debt with this entity. This collection entry appears fraudulent and unverifiable. Under the Fair Credit Reporting Act ( FCRA 609 and 611 ), this account must be fully validated or deleted from my report. 

XXXX. Unfamiliar Hard Inquiries XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me. The appearance of unauthorized hard pulls violates my rights under FCRA 604 ( a ) ( XXXX ), which limits permissible purposes for accessing consumer reports. I request that these inquiries be removed immediately and that the credit bureaus investigate how my information was accessed without my consent. 

Summary of Requested Actions Remove all incorrect addresses from my credit report. 

Delete the XXXX  XXXX charge-off and XXXX XXXX XXXX collection account as they are unverified and not mine. 

Remove the unauthorized inquiries by XXXX XXXX  and XXXXXXXX XXXX 

Conduct a full investigation under FCRA 611 ( a ) and provide written verification of all findings. 

These inaccurate items have severely affected my creditworthiness and caused undue stress. I expect a full and prompt investigation in accordance with FCRA guidelines and written confirmation of the corrective actions taken. 

Thank you for your immediate attention to this matter.

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