Consumer complaint received 2025-11-15 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: NC

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, unauthorized, and improperly reported items on my credit report. These errors have caused significant harm to my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation and immediate corrective action.

1. Wrong / Incorrect Addresses Reported The following addresses do not belong to me and must be removed immediately, as they create confusion and may indicate mixed or merged files : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Wrong Address I have no connection to these addresses. Their presence is inaccurate and misleading.

2. Inaccurate Late Payment Reporting XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Status : Late Payment This reporting is incorrect. I have never made a late payment on this account at any time. The reported late payment history is false and damaging. I am requesting full correction of the account history to reflect an on-time payment record.

3. Charge-Off & Collection Accounts I Have No Knowledge of These Accounts According to my records, I do not recognize or have any knowledge of the following accounts. These appear to be erroneous, fraudulent, or misreported. Under FCRA 602A, 607B, and 611, accounts that can not be verified must be deleted immediately. 

A. Charge-Off XXXX XXXX XXXX  High Balance : {$20000.00} Date Opened : XX/XX/XXXX Status : Charge-Off I have no knowledge of this account. Requesting complete deletion. 

B. Collections XXXX XXXX XXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Status : Collection I have no knowledge of this account. Requesting deletion. 

XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$2500.00} Date Opened : XX/XX/XXXX Status : Collection I have no knowledge of this account. Requesting deletion. 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$2900.00} Date Opened : XX/XX/XXXX Status : Collection I have no knowledge of this account. Requesting deletion.

These accounts are inaccurate and should be removed immediately if the furnishers can not provide legally required verification.

4. Unauthorized Hard Inquiries I did not authorize the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Hard inquiries require my written consent, which I did not give. I am requesting removal of these unauthorized inquiries.

Requested Resolution I respectfully request that CFPB : Conduct a full investigation into all inaccurate and unauthorized items listed above.

Require the credit bureaus and furnishers to either verify the information with proper documentation or delete it immediately, as required by FCRA.

Provide me with written confirmation of corrective actions taken.

These errors have severely impacted my credit standing, and I expect a timely and thorough review in compliance with federal law.

Thank you for your attention to this matter. I look forward to prompt resolution.

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