Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I am writing to file a formal complaint concerning multiple inaccurate and potentially unlawful entries being reported on my credit report by various furnishers and credit reporting agencies. These inaccuracies include incorrect account statuses, erroneous addresses, and unauthorized credit inquiries, all of which have negatively impacted my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws, I am entitled to accurate and verified information on my credit report. The reporting entities and credit bureaus have failed to meet these legal obligations, and I request immediate investigation and correction of the following items : Wrong Addresses Being Reported ( Never Lived At or Associated With ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Wrong Address XXXX. XXXX XXXX XXXX, XXXX, GA XXXX Wrong Address Violation : Reporting inaccurate personal identifying information violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) which mandates reasonable procedures to ensure maximum possible accuracy. 
Accounts with XXXX or XXXX XXXX XXXX. XXXX Account # XXXX * * Date Opened : XX/XX/XXXX | High Credit : {$6000.00} / {$53000.00} Late Payments * * Violation : Failure to accurately verify and report payment history violates FCRA 623 ( a ) ( 1 ) ( A ).

Creditors must ensure accuracy before reporting derogatory items. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX * * Date Opened : XX/XX/XXXX | Credit Limit : {$1300.00} Charge Off * * Violation : Under FCRA 611 ( a ), unverifiable or inaccurate charge-offs must be removed after dispute.

The continued presence of this account constitutes negligent reporting. 
XXXX. XXXX XXXX XXXX XXXX Account # XXXX * * Date Opened : XX/XX/XXXX | Balance : {$130.00} Charge Off * * Violation : The Fair Debt Collection Practices Act ( FDCPA ) prohibits collection and reporting without proper verification FDCPA 809 ( b ). 
XXXX. XXXX XXXX Account # XXXX * * Date Opened : XX/XX/XXXX Late Payments * * Violation : Late payment records must be verified and corrected under FCRA 623 ( b ). 
XXXX. XXXX XXXX Account # XXXX * * Date Opened : XX/XX/XXXX Charge Off * * Violation : If the debt was settled or not properly validated, reporting as a charge-off violates FCRA 623 ( a ) ( 5 ). 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXX * * Balance : {$2400.00} | Date Opened : XX/XX/XXXX * * Violation : If this collection is invalid, incomplete, or lacks validation, it must be deleted per FDCPA 809 ( b ) and FCRA 611 ( a ). 
Unauthorized or Unverified Hard Inquiries The following inquiries were made without my authorization or permissible purpose, which directly violates the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX Violation : Under FCRA 604 ( a ), a permissible purpose must exist for each inquiry. If not explicitly authorized or linked to a valid application initiated by me, these inquiries are a breach of law.

Requested Action : I am requesting the following relief : 1. Immediate removal of all incorrect addresses.

2. Full deletion or correction of the inaccurate accounts and charge-offs listed above.

3. Permanent deletion of all unauthorized or unverified hard inquiries.

4. Investigation into the repeated failure to maintain accuracy by the reporting agencies.

Please investigate this matter urgently. I am also prepared to escalate further with additional legal action if needed.

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