Consumer complaint received 2025-10-30 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 filing this complaint because multiple credit bureaus and furnishers are reporting false, inaccurate, and unverifiable information on my consumer credit file in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and Consumer Financial Protection Bureau Enforcement Authority. Despite no valid contract or verification, false addresses and unverified accounts are being reported that have caused severe credit score damage, financial harm, and emotional distress. 
WRONG ADDRESSES REPORTED : These addresses are completely inaccurate and have no connection to me. Reporting of incorrect personal identifying information is a direct violation of FCRA 609 ( a ) ( 1 ) and must be permanently deleted from my file. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address XXXX XXXX XXXX XXXX, GA XXXX Wrong Address ACCOUNT DISPUTES : XXXX XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Status : Charge Off I have no knowledge of this account or any loan with XXXX XXXX XXXX  There was no contract, no communication, and no authorization for this account to exist under my name. Reporting a charge-off for an unverified, unacknowledged account is a violation of FCRA 605B and FDCPA 807 ( 8 ). I demand immediate deletion due to unverifiable and false reporting. 
DEPTEDXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$3800.00} | Status : Late Payment This reporting is inaccurate. I never made any late payments. XXXX data must be verified with full payment history, records, and timestamps. Without proof, the bureau must remove or correct these inaccuracies as per FCRA 611 ( a ) ( 1 ) ( A ). 
DEPTEDXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$600.00} | Status : Late Payment This record is inconsistent with factual history. No late payment has ever occurred. I demand correction of the payment status to Never Late. 
DEPTEDXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$2200.00} | Status : Late Payment Duplicate and erroneous reporting. This misrepresentation lowers my score and violates FCRA 607 ( b ) requiring accuracy in all consumer data. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$15000.00} | Status : Charge Off I have no knowledge of any XXXX XXXX account or auto loan. No documentation, no signature, and no payment agreement exists. Reporting such false charge-off is unlawful under FCRA XXXX XXXX A ) and constitutes identity or mixed-file error. Immediate deletion demanded. 
DEPTEDXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$580.00} | Status : Late Payment Inaccurate and repetitive entry. Multiple listings of the same loan with differing amounts are misleading and must be corrected under FCRA 611 ( a ) ( 1 ) ( B ). 
DEPTEDXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2200.00} | Status : Late Payment False reporting of lateness. No payment record validates this status. All XXXXrelated late payment notations must be removed or corrected immediately. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance Owed : {$24000.00} | Status : Collection Duplicate and fraudulent listing. This collection account has no contractual basis or supporting evidence. Under FDCPA 809 ( b ), the furnisher must produce validation within 30 days. If no validation is provided, this entry must be deleted immediately. 
I am requesting that the CFPB open an official investigation into these violations and ensure that all credit bureaus ( Experian, XXXX XXXX ) and furnishers involved are held accountable and that these inaccurate items are permanently deleted or corrected. I also request confirmation in writing that this matter has been reviewed and resolved.

Requested Action : 1. Remove all wrong addresses from my credit file.

2. Delete or correct all accounts listed above that are unverified, inaccurate, or fraudulent.

3. Enforce compliance by the reporting agencies and furnishers per federal law.

Enclosures : Copy of Government ID, Proof of Address, Copy of Credit Report Highlighting Errors.

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