Consumer complaint received 2025-08-29 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 submitting this complaint to the CFPB to formally dispute numerous inaccuracies, unverifiable accounts, and unauthorized inquiries that have been reported on my credit report. These errors are materially damaging my creditworthiness, misrepresenting my financial history, and causing undue stress and financial harm. The reporting of accounts I never authorized, late payments that are false, charge-offs that are inaccurate, and collections that do not belong to me is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under Sections 601, 604, 607, 609, 611, and 623 of the FCRA, I have the right to ensure that all information reported by furnishers and credit reporting agencies is accurate, complete, and properly verified. I demand that CFPB oversee a thorough investigation and compel all involved furnishers and credit reporting agencies to correct or remove all inaccurate, unverifiable, and unauthorized information to restore my rights as a consumer and prevent further harm to my financial reputation. 

Address : XXXX XXXX XXXX XXXX, GA XXXX Issue : This address is not mine and has no connection to me. Its presence on my credit report is completely inaccurate and misrepresents my personal history. 
Law : FCRA 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of consumer reports. Reporting a false address violates this legal obligation.

Story : I have never lived at XXXX XXXX XXXX XXXX XXXX, GA, nor have I ever applied for credit using this address. Its continued inclusion on my report creates the risk of linking me to accounts that are not mine, opens the door to identity confusion, and damages my reputation with potential creditors. This error has no factual basis, and its persistence demonstrates a lack of due diligence in ensuring accurate reporting. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$9800.00} Late Payment * * Issue : The account reports late payments that are inaccurate. I have never received verifiable proof that these payments were late. 
Law : FCRA 1681i requires credit bureaus to reinvestigate disputed information and delete unverifiable accounts. FCRA 1681s-2 ( b ) obligates data furnishers to provide accurate and complete information. 
Story : I dispute the reported late payments because no original documentation, contracts, or account statements have been provided to verify them. Without proper evidence, this negative reporting is unsubstantiated. Its presence misrepresents my financial responsibility and harms my creditworthiness. By continuing to report these unverified late payments, the bureau is failing to comply with the law and causing tangible harm to my ability to obtain credit. 

XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$1000.00} Late Payment * * Issue : The account incorrectly lists late payments that do not reflect my actual payment history. 
Law : FCRA 1681s-2 ( b ) requires furnishers to ensure the accuracy of reported information, and FCRA 1681e ( b ) requires the credit bureau to follow reasonable procedures to maintain maximum accuracy. 
Story : I never received validation proving the alleged late payments. Despite multiple disputes, the bureau has not provided evidence from the creditor showing that these late payments occurred. The reporting of these unverified late payments creates a false narrative of financial mismanagement and has a negative impact on my ability to secure credit, housing, and employment. Accurate reporting is my right, and continued errors are a direct violation of FCRA requirements. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  High Credit : {$5000.00} Charge Off * * Issue : This account is reported as a charge-off, but I have no knowledge of this debt. 
Law : FCRA 1681e ( b ) requires maximum possible accuracy, and unverifiable accounts must be deleted if proper documentation is not provided.

Story : I have never received any billing statements, contracts, or verification connecting me to this account. Reporting it as a charge-off without original documentation is reckless and damaging. Charge-offs are severe derogatory marks, and their inclusion without verification is a violation of my rights under federal law. Its presence misrepresents my financial responsibility and unfairly damages my credit profile. 

Inquiry : XXXX XXXX XXXX XXXX  Issue : Unauthorized inquiry reported on my credit file. 
Law : FCRA requires proof of consumer consent or a permissible purpose ; absent such proof, the inquiry must be deleted. 
Story : I did not provide consent for XXXX XXXX XXXXXXXX to pull my credit. Including this unauthorized inquiry lowers my credit score and misrepresents my financial behavior. Immediate deletion is required. 

I am submitting this complaint to the CFPB to ensure immediate and comprehensive enforcement of my rights under the FCRA. I request that CFPB compel all furnishers and credit reporting agencies involved to investigate, verify, and correct all inaccurate, unverifiable, and unauthorized information on my credit file. I demand permanent removal of false addresses, deletion of unauthorized inquiries, and correction of all late payments, charge-offs, and collections that do not belong to me. CFPB oversight is necessary to guarantee that my credit report accurately reflects only authorized, verified, and factual information, and to prevent further violations of my consumer rights and financial harm.

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