Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate addresses, incorrect late payment reporting, and several collection/charge-off accounts that I have no knowledge of. These errors are severely damaging my credit profile and violating my rights under the FCRA ( Fair Credit Reporting Act ). 

XXXX. WRONG / INACCURATE ADDRESSES REPORTED ON MY CREDIT FILE The following addresses are not mine, and I have never lived at or been associated with them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address These are false, unauthorized, and must be removed immediately. 

XXXX. LATE PAYMENT ACCOUNTS REPORTED IN ERROR The following accounts are reporting late payments, but these are 100 % inaccurate. 
I never made any late payments, and the reporting is false and harmful. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Incorrect ) I am demanding a full investigation and removal of all inaccurate late payment history because it does not reflect my true payment behavior. 

XXXX. COLLECTION & CHARGE-OFF ACCOUNTS I DO NOT RECOGNIZE The following accounts are listed as collection/charge-off, but I have no knowledge of these accounts, never authorized them, and never received any validation or notice. 
These appear to be fraudulent or inaccurately reported. 

Charge-Off Account ( Not Mine ) 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 XXXX XXXX XXXX XXXX  {$860.00} Collection I have no knowledge of these accounts, did not authorize them, and request immediate deletion.

4. FCRA VIOLATIONS These inaccuracies violate the following FCRA sections : 602 ( A ) Right to fair and accurate reporting 611 Right to dispute inaccurate information 607 ( B ) Duty of furnishers to report with maximum accuracy 609 ( XXXX ) Protection against fraudulent/unauthorized accounts I am requesting CFPB to investigate immediately and ensure all inaccurate, unverified, fraudulent, or unauthorized information is removed. 

Requested CFPB Action I respectfully request that CFPB : Require all furnishers and credit bureaus to conduct a full reinvestigation. 

Delete all wrong addresses. 

Remove all incorrect late payment history, as I have never paid late. 

Delete all collection/charge-off accounts that I do not recognize and that have not been validated. 

Provide written confirmation once corrections are made. 

Thank you for your attention to this urgent matter. 
I am requesting full compliance with the FCRA and immediate correction of these inaccuracies.

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