Consumer complaint received 2025-10-15 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: NY

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, incomplete, and unverified items being reported on my consumer credit file. These inaccurate items are seriously damaging my creditworthiness, causing emotional distress, and violating my consumer protection rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related federal consumer laws. I am requesting immediate investigation, removal, and corrective action against the parties responsible for the false and misleading information being reported in connection with my name and credit profile. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses are inaccurate and do not belong to me. Reporting multiple conflicting and outdated addresses violates FCRA 607 ( b ), which requires the maintenance of maximum possible accuracy. The presence of these addresses suggests possible identity confusion or mixed files, which has led to false account reporting. I request the immediate removal of all listed addresses from my credit file. 

ACCOUNTS XXXX Account # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$2400.00} | Charge Off This account has been falsely reported as a charge-off even though no verifiable proof or contractual documentation has been provided to confirm the accuracy of this information. Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a thorough reinvestigation and delete unverifiable data. The furnisher must demonstrate that the information is complete, accurate, and belongs to me, otherwise, continued reporting constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX Account # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$590.00} | Charge Off The reported charge-off is inaccurate and unsupported by any verified account records or payment history. Reporting unverifiable and misleading data violates FCRA 607 ( b ) and 611 ( a ). The furnisher failed to provide any validation that this debt was legally owed by me. I demand deletion of this account unless verifiable evidence is produced within the investigation period. 

XXXX XXXX XXXXXXXX Account # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$660.00} | Charge Off This account is being reported inaccurately as a charge-off. No documentation or signed agreement proving ownership of this account has been provided. Under FCRA 609 ( a ) ( 1 ) ( A ), I have the right to request all information in my file including the original creditor documentation. Failure to provide these details while continuing to report this account violates FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX Account # : XXXX | Date Opened : XX/XX/XXXX | Balance : {$1300.00} | Late Payment This account reflects late payments that are false and unverifiable. Reporting late payments without proof of delinquency violates FCRA 607 ( b ) and 611 ( a ). If XXXX XXXX XXXX can not provide complete account statements and original payment history validating each reported late payment, this information must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX These bankruptcy records are being inaccurately reported. I have never filed for bankruptcy, and no valid court documents exist to confirm that I was a party to such proceedings. Reporting unverifiable public records violates FCRA 607 ( b ) and 611 ( a ) ( 5 ). The bureaus must verify this information directly with the court listed under FCRA 609 ( e ), not through third-party data aggregators. If the court can not validate these entries, they must be deleted immediately. 



INQUIRY XXXX XX/XX/XXXX This inquiry was made without my knowledge or written consent, in violation of FCRA 604 ( a ) ( 2 ). Unlawful hard inquiries damage my credit score and constitute an unauthorized use of my consumer file. As required by FCRA 611 ( a ) ( 1 ) ( A ), this inquiry must be removed immediately since no permissible purpose was established. 

I respectfully request the CFPB to review, investigate, and enforce compliance under all applicable consumer protection laws. Each of these items has caused measurable harm to my financial standing and personal life. I demand immediate reinvestigation, deletion of all unverified information, and written confirmation of corrective action within the timeframe required by law. The continuous reporting of inaccurate data and unauthorized inquiries demonstrates clear noncompliance with federal consumer protection standards and must be remedied promptly to restore fairness and accuracy in my credit report.

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