Consumer complaint received 2025-09-27 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: IN

Complaint narrative:
I am filing this complaint against multiple creditors, furnishers, and credit reporting agencies for reporting false, inaccurate, and unverifiable information on my credit reports. These inaccuracies have caused me severe emotional distress, financial harm, denial of credit, higher interest rates, and reputational damage. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws, I request immediate investigation and correction of the following items : Wrong Addresses ( Never lived at these, completely false and harmful ) : XXXX XXXX XXXX, IN XXXX Wrong Address I have never lived or been associated with this address. Reporting it on my credit file creates the false impression of instability and opens the door for potential identity theft issues. This is a violation of FCRA Section 609 ( a ) ( 1 ), which gives me the right to accurate identifying information, and FCRA Section 607 ( b ), which requires credit bureaus to assure maximum possible accuracy. Because this address is unverifiable and unrelated to me, it must be deleted immediately. 
XXXX XXXX XXXX XXXXXXXX, OH XXXX Wrong Address This address is completely false. Reporting it violates FCRA Section 602 ( A ) ( 1 ), which recognizes the need to ensure fair and accurate credit reporting to protect consumers. By leaving this false information, the credit bureau is engaging in negligent practices under FCRA Section 616 and could be liable for damages. I demand immediate deletion. 
Accounts with False Late Payment Status ( I never paid late, reporting is false and defamatory ) : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXXXXXX  Late Payment This false late payment is a direct violation of FCRA Section 623 ( a ) ( 1 ) ( B ), which prohibits furnishers from reporting information without proper verification. By allowing this derogatory mark to remain, the credit bureaus are also in violation of FCRA Section 611 ( c ), which requires prompt deletion of inaccurate or unverifiable information. 
DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment This inaccurate late payment remark is harming my financial standing. No evidence supports this derogatory mark. Under FCRA Section 623 ( b ) ( 1 ) ( D ), a furnisher must delete information that is found to be inaccurate or unverifiable after investigation. Keeping this false entry exposes them to liability under FCRA Section 617 for willful noncompliance. I demand correction immediately. 
DEPTEDXXXX XXXX XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXXXXXX  Late Payment This late payment remark is false. I never defaulted or delayed payment. Reporting derogatory history without proof is a violation of FCRA Section 623 ( b ) ( 1 ) ( A ), which requires furnishers to investigate and correct inaccuracies. I demand immediate correction. 
DEPTEDXXXX XXXX XXXX XXXX XXXX  High Balance : {$4500.00} Date Opened : XX/XX/XXXXXXXX  Late Payment This reporting is equally false and damaging. No records substantiate this claim. Under FCRA Section 611 ( a ) ( 5 ) ( B ), the bureau must delete unverifiable data. Failure to remove this false information makes the bureau liable for negligent noncompliance under FCRA Section 616. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$14000.00} Date Opened : XX/XX/XXXX Late Payment This reporting is inaccurate. I have always maintained timely payments and dispute any record of delinquency. Under FCRA Section 607 ( b ), the credit bureau must assure maximum possible accuracy. Under FCRA Section 623 ( b ) ( 1 ), the furnisher must investigate and correct or delete false reporting. I demand removal of the false late payment status. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$660.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this collection account and dispute it in full. No contract, proof of debt, or validation has been provided to me as required under FDCPA Section 809 ( 15 U.S.C. 1692g ). Reporting this as a valid collection without verification is also a violation of FCRA Section 623 ( a ) ( 3 ). This collection must be deleted immediately. 
Unauthorized / Questionable Inquiries ( all dated XX/XX/XXXXXXXX  ) : XXXX XXXX XXXX Inquiry This inquiry was not authorized by me. Any credit pull without consent violates FCRA Section 604. I demand its removal. 
XXXX XXXX XXXX Inquiry I dispute this inquiry as unauthorized. Under FCRA Section 604 ( a ) ( 3 ) ( A ), there must be a consumer-initiated transaction, which does not exist here. This entry must be deleted. 
XXXX XXXX XXXX Inquiry I did not apply for credit with this entity. This inquiry violates FCRA Section 604 ( a ). I demand its immediate removal. 
Requested Resolution : 1. Immediate removal of unverifiable collection accounts.

2. Correction of all false late payment reporting.

3. Deletion of all unauthorized inquiries.

4. Written confirmation of corrections within the statutory 30-day investigation period under FCRA 611 . 
Conclusion : The continued reporting of inaccurate, unverifiable, and unauthorized information violates federal law and causes irreparable harm to my financial stability. I respectfully request that the CFPB enforce compliance and require the credit bureaus and furnishers to correct or delete the above-mentioned items immediately.

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