Consumer complaint received 2025-11-28 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 filing this formal complaint because my consumer report contains multiple inaccurate and unverifiable items, including wrong addresses, false late payment history, and accounts reported as charge-offs/collections that I have no knowledge of. These inaccuracies are negatively affecting my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, and 609. 

1. Wrong / Inaccurate Personal Address Reporting I have recently found multiple addresses listed on my credit file that I have never lived at, nor have I authorized to be linked to my profile. These must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Wrong Address I request full removal of these addresses as they are false, misleading, and may be indicative of mixed files or identity confusion. 

2. Late Payments Reported Incorrectly The following accounts are reporting late payments, which is false and inaccurate, as I have never made late payments to these creditors : XXXXXXXX XXXX XXXX XXXX High Balance : {$390.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$28000.00} | Date Opened : XX/XX/XXXXXXXX  I demand an immediate reinvestigation and correction of these accounts to reflect accurate on-time payment history or removal if they can not be verified transparently with full documentation. 

3. Charge-Off & Collection Accounts I Do Not Recognize The following accounts are being reported as charge-offs/collections. I have no knowledge or relationship with these accounts, and no creditor has provided a legally valid validation of debt. 

Charge-Off ( Unknown Account ) XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$15000.00} | Date Opened : XX/XX/XXXX Collections ( Unknown Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$120.00} | Date Opened : XXXX XXXX XXXX XXXX XXXX  High Balance : {$110.00} | Date Opened : XX/XX/XXXXXXXX  I request full deletion of these accounts from my credit file for failure to validate ownership and accuracy per FCRA and FDCPA requirements. 

4. Unauthorized / Unverified Hard Inquiries The following inquiries are appearing on my report without my permission. I did not authorize them and request removal. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Requested Action I respectfully request that the CFPB : Initiate a full investigation into the accounts and inaccuracies listed. 

Require the bureaus and data furnishers to provide documented validation or delete the items entirely. 

Remove wrong addresses and unverified inquiries. 

Correct false late payment reporting. 

Delete any charge-off or collection account that can not be proven as mine with original signed documentation. 

I expect full compliance under FCRA 611 and written confirmation of all actions taken. 

Thank you for your time and timely attention.

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