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 submitting this complaint to request an urgent investigation into multiple inaccurate and harmful entries appearing on my consumer credit reports. These incorrect items are causing significant damage to my creditworthiness, and I am seeking immediate correction, deletion, or verification as required under the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 609, 611, and 623. 

Despite previously disputing several of these inaccuracies with the credit bureaus, they continue to remain on my file without proper verification or documentation. I am demanding a full reinvestigation and written proof of reporting accuracy. If these entries can not be substantiated with legally permissible evidence, I request their removal. 

1. Incorrect / Unknown Addresses The following addresses do not belong to me and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These listings indicate potential mixed files or identity errors. I need proof of when, how, and by whom these addresses were associated with my profile. 

* * 2. Charge-Off Accounts ( These are accounts I have no knowledge of, and I request immediate deletion unless full evidence is provided. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$570.00} | Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  | High Balance : {$3600.00} | Date Opened : XXXX XXXX XXXX XXXX XXXX | High Balance : {$1500.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX | High Balance : {$490.00} | Date Opened : XXXX XXXX XXXX XXXX XXXX  | High Balance : {$2800.00} | Date Opened : XX/XX/XXXXXXXX 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 High Balance XXXX {$40000.00} | Date Opened : XX/XX/XXXX Under FCRA 611 & 623, furnishers must provide documented evidence including signed contracts, payment records, and verification of ownership. If these accounts can not be validated, I request permanent deletion. 

3. Late Payment Reporting Error XXXX XXXX XXXX XXXXXXXX | High Balance : {$5100.00} | Date Opened : XX/XX/XXXXXXXX  This reporting is inaccurate. I dispute the payment history and request correction or removal unless the furnisher supplies verifiable documentation supporting the reported late payments. 

4. Collection Account ( Unknown ) XXXX XXXX XXXX XXXX | High Balance : {$1300.00} | Date Opened : XX/XX/XXXXXXXX  I have no knowledge of this debt. Provide validation including original creditor documentation, chain of ownership, and itemized balance records. 

5. Bankruptcy Reporting Review Requested U.S. Bankruptcy Court XXXX | Filed/Reported XX/XX/XXXXXXXX  Provide verification of accuracy and reporting compliance. If any information is outdated, misreported, or unverifiable, it must be corrected. 

6. Hard Inquiries These inquiries require proof of permissible purpose : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If consent or application records can not be produced, I request removal. 

Requested Resolution I ask that CFPB ensure the following actions are taken : Conduct a full FCRA-compliant reinvestigation. 

Provide documented verification of all disputed accounts. 

Delete any item that can not be proven with original legal documentation. 

Remove all unauthorized/incorrect addresses and inquiries. 

Provide me with written results of this investigation. 

My rights are protected under federal law, and I expect full compliance within the required timeline. 

Thank you for your immediate 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