Consumer complaint received 2025-11-03 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 formal complaint regarding multiple inaccurate, unverified, and misleading items currently being reported on my credit reports by various furnishers. These errors have caused me significant harm and are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 602 ( A ), 607 ( B ), 611, and 623 which require accurate, verifiable, and complete reporting of consumer information.

Below are the specific issues I am disputing : Incorrect Addresses Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is incorrect. I have never lived at or been associated with this location. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is my correct and current address. 

I request that the inaccurate address be removed immediately from all credit reporting agencies. 

Accounts Reported Inaccurately XXXX XXXX XXXX ( Account : XXXXXXXX XXXX XXXX  ) Charge Off XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$50.00} I have no knowledge of this account and have never entered into any agreement with XXXX XXXX XXXX. This account appears to be fraudulent or reported in error and must be deleted entirely from all reports. 

XXXX XXXX ( Account : XXXX XXXX ) Charge Off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} I have no knowledge of this account and no record of any relationship with XXXX XXXX. This entry is inaccurate and unverifiable and should be removed immediately. 

XXXX  ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Late Payments XXXX XXXX Date Opened : XX/XX/XXXX Balances : {$12000.00} and {$6700.00} The payment history is inaccurate. I have never made any late payments to XXXX. These reported delinquencies are false, and I demand correction of all inaccurate late payment notations to show an on-time payment history. 

XXXX ( Account : XXXX ) Collection XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX I have no knowledge of this account or any debt owed to this entity. The reporting appears fraudulent or unverifiable and must be deleted immediately from all credit reports. 

Unauthorized Hard Inquiry XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry. Under FCRA 604, a consumer report may only be accessed with a permissible purpose. This inquiry was made without my consent and should be removed immediately. 

Requested Action I am requesting the CFPB to : Conduct a full investigation into these inaccurate and unverified accounts and inquiries. 

Require the furnishers ( XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX ) to provide verified documentation proving my legal obligation and authorization. 

Direct all inaccurate or unverifiable information to be corrected or deleted from my credit reports immediately. 

These errors have significantly damaged my creditworthiness and caused undue stress. I expect a full response and corrective action pursuant to FCRA 611 ( a ) ( 1 ) ( A ) within the required 30-day period.

Thank you for your prompt attention to this serious matter. I have attached a copy of my identification and proof of address for verification purposes.

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