Consumer complaint received 2025-11-04 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 formal complaint regarding multiple serious inaccuracies being reported on my consumer credit reports by various furnishers and credit reporting agencies. These inaccuracies are causing significant harm to my credit reputation, and despite my attempts to correct them, the errors persist. I respectfully request a full investigation and corrective action under the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ). 

Below are the specific items in dispute : Incorrect Addresses XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX I have no connection to these addresses, and they should not appear anywhere in my credit file. The presence of these addresses suggests possible identity confusion or reporting error. I demand that these addresses be immediately deleted from all credit bureau records. 

XXXX Account # XXXXXXXX XXXX Charge-Off Date Opened : XX/XX/XXXX High Balance : {$160000.00} I have no knowledge of this account whatsoever. I never entered into any agreement or loan with XXXX  Reporting this as a charge-off is false and defamatory. I am requesting the CFPB to investigate this matter and compel both the furnisher and the credit bureaus to delete this account entirely for failure to verify my ownership or any valid contract. 

Bankruptcy XXXX # XXXX XXXX Bankruptcy XXXX This record is being reported inaccurately and without proper verification of its association with me. If this public record can not be verified with complete documentation directly from the XXXX Bankruptcy XXXX, it must be removed from my credit file immediately. 

Unauthorized or Improper Credit Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize any of these entities to access my credit file. These inquiries were made without my consent, constituting a violation of FCRA XXXX. I demand that the CFPB require these unauthorized inquiries to be removed immediately from my credit reports and that these companies be held accountable for their improper access to my private financial information. 

Requested Resolution : I request that the CFPB : Conduct a full investigation into these inaccurate and unauthorized items.

Ensure deletion of any unverifiable or erroneous information.

Require all credit reporting agencies ( XXXX  Experian, and XXXX  ) to update my reports accordingly.

Confirm in writing once the investigation and corrections are completed.

I am providing a copy of my identification and current proof of address for verification purposes. Please contact me if further documentation is needed to support this complaint. 

Thank you for your time and attention to this matter. I trust that the CFPB will take swift action to uphold my rights under the FCRA.

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