Consumer complaint received 2025-11-27 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 formal complaint for immediate investigation due to multiple and serious inaccuracies being reported about me by various furnishers and credit reporting agencies. These errors are causing significant financial and personal harm. I am requesting your direct intervention to enforce compliance with the Fair Credit Reporting Act ( FCRA ). 

XXXX. WRONG / FRAUDULENT ADDRESSES REPORTED The following addresses are not mine, I have no connection to them, and they must be removed immediately as they indicate potential identity confusion or mixed files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX WRONG ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XXXX ADDRESS These addresses are inaccurate and damaging. I need the CFPB to enforce FCRA 1681e ( b ) requiring maximum possible accuracy. 

XXXX. LATE PAYMENT REPORTING FALSE & INACCURATE These accounts are reporting late payments that are completely inaccurate. 
I have never made a late payment on these accounts, and the payment history is wrong : XXXX XXXX ( Opened XX/XX/XXXX ) False Late Payment XXXX XXXXXXXX ( Opened XX/XX/XXXX ) False Late Payment XXXX XXXX XXXX ( Opened XX/XX/XXXXXXXX  ) False Late Payment These furnishers are in violation of FCRA 623 ( a ) ( 1 ) ( A ) for reporting information they know or should know is inaccurate.

I am demanding immediate correction of all inaccurate late payment history. 

XXXX. CHARGE-OFF ACCOUNTS I HAVE NO KNOWLEDGE OF THESE ACCOUNTS The following Charge-Off accounts do not belong to me. 
I have no knowledge, no contract, and no relationship with these creditors : XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Charge-Off XXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX ) Charge-Off XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX ) Charge-Off Under FCRA 602A & 609 ( a ), I request full validation or immediate deletion.

Since I have no knowledge of these accounts, they must be deleted. 

XXXX. COLLECTION ACCOUNTS I DO NOT RECOGNIZE THESE ACCOUNTS These collection accounts are not mine, and I dispute them entirely : XXXX XXXX ( Opened XX/XX/XXXX ) Collection XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Collection XXXX XXXX XXXX  XXXX ( Opened XX/XX/XXXX ) Collection XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Collection I never received any prior validation. 
These appear to be identity-related or mixed-file errors. 
Under FCRA 609 and 611, these accounts must be validated or removed. 

XXXX. UNAUTHORIZED / INCORRECT HARD INQUIRIES The following inquiries were done without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX I did not authorize these pulls. 
Unauthorized inquiries violate FCRA 604 ( a ), and I request immediate removal.

REQUEST FOR CFPB ACTION I request the CFPB to compel the furnishers and bureaus to : Remove all wrong addresses immediately Correct all false late payment history Delete all charge-offs and collection accounts I have no knowledge of Remove unauthorized hard inquiries Provide written confirmation of all corrections/deletions These errors are already causing harm, including credit score damage, denial of opportunities, and emotional distress.

I appreciate your urgent attention to this matter.

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