Consumer complaint received 2025-08-04 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: MI

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my credit reports. Despite my previous disputes and requests for validation, these items remain unresolved or have been improperly reinserted without proper notification. I am requesting that the CFPB take immediate action to enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and hold the data furnishers and credit reporting agencies accountable for their negligence and violations. Each of the following items requires full reinvestigation, proper documentation, and if verification is not legally substantiated, complete deletion. 
ADDRESS XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 1681e ( b ) Requires maximum possible accuracy Issue : This is not now, nor has it ever been, my address Story : I have no association with this location and never lived here. Its presence on my report is causing serious confusion in identity verification and affecting my creditworthiness. I demand this address be removed immediately XXXX XXXX XXXX XXXX, MI XXXX Law : FCRA 1681e ( b ) Requires maximum possible accuracy Issue : This address is incorrectly reporting under my profile Story : I have never resided at this location. Including false addresses on a credit file compromises the integrity of my credit report. Please delete this unverifiable information ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} * * Law : FCRA 1681s-2 ( b ), 15 U.S.C. 1681i Issue : Late payment reporting is inaccurate and misleading Story : I dispute the late payments reported under this account. Ive previously communicated with the furnisher, and no documentation has been provided to support the delinquency. The reporting is damaging and unverifiable XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Law : FCRA 1681i ( a ), 15 U.S.C. 1681s-2 ( b ) Issue : Late payment history is inaccurate Story : This account shows a {$0.00} balance but still reports late payments, which is contradictory and misleading. I request documentation validating the late payment dates, or else remove the negative history XXXX  XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Law : FCRA 1681s-2 ( a ), 1681i ( a ) Issue : Charge-off status is not substantiated Story : I have no records or communication that support this being charged off legitimately. If this account is paid and closed with XXXX balance, the charge-off is not justified and must be removed XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} * * Law : FCRA 1681i Reinvestigation requirement Issue : Charge-off listing is inaccurate and unverified Story : I have never received any notification of charge-off or breakdown of the outstanding balance. I request full validation or immediate removal due to lack of substantiation XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Law : FCRA 1681s-2 ( b ) Duty to correct and update Issue : Charge-off reporting is not consistent with balance Story : The account shows a {$0.00} balance and still reports a charge-off. This contradicts proper reporting standards. Please provide verification or delete the charge-off status entirely XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} * * Law : FCRA 1681e ( b ), 1681i Issue : Unverified charge-off status Story : No documentation has been provided to show this account was legitimately charged off. If this is settled or resolved, the derogatory label must be corrected XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} * * Law : FCRA 1681i Issue : Charge-off reporting is inaccurate Story : This account was never charged off with my knowledge. I challenge the accuracy of this entry and request evidence or immediate deletion XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$690.00} * * Law : FDCPA 15 USC 1692g ( b ), FCRA 1681b Issue : Collection account is not verified Story : I have not received any validation notice from XXXX XXXX nor the original creditor. This collection listing is negatively impacting my credit and is legally unverified XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} * * Law : FDCPA 809 ( b ), FCRA 1681s-2 ( b ) Issue : Invalid and unverifiable debt Story : This account was never verified by either the collector or original lender. I have not been properly notified, and no proof of debt has been shared. Please remove this entry XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} * * Law : FCRA 1681s-2 ( b ), 1681i Issue : Charge-off status is inaccurate Story : I was never informed about this debt being charged off. I request validation or removal. The reported balance is minor, yet it's damaging my profile and must be corrected XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$910.00} * * Law : FCRA 1681i, 1681e ( b ) Issue : Unverified charge-off Story : I have not received any documents verifying this debt. Without proper validation, this item must be deleted under FCRA provisions XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$210.00} * * Law : FCRA 1681s-2, 1681i Issue : Late payments reported are inaccurate Story : I was not late on this account. The reporting is unfair and harming my score. Please reinvestigate with proper records or remove this entry INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX Law : FCRA 1681b ( c ) Permissible purpose required Issue : Hard inquiry without authorization Story : I did not authorize this company to pull my credit. This inquiry was done without my knowledge or consent, and I request its removal due to lack of permissible purpose XXXX XXXX XXXX Date : XX/XX/XXXX Law : FCRA 1681b Permissible purpose requirement Issue : Unauthorized inquiry Story : This inquiry was not approved by me in any formverbal, written, or electronic. Since no legitimate transaction or consent exists, this entry must be removed from my report I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to conduct a full investigation into these matters and ensure all violators are held accountable. I am requesting deletion of all unverifiable, unauthorized, and inaccurately reported items from my credit profile. My rights have been repeatedly violated, and these violations have resulted in financial hardship, stress, and the loss of credit opportunities. I am asking the CFPB to protect my rights under the FCRA and ensure these abusive and negligent practices are stopped. I am also requesting copies of any documentation used in the reinvestigation process and confirmation that these items have been resolved and removed.

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