Consumer complaint received 2025-11-08 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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the major credit reporting agencies ( Experian, XXXX, and XXXX  ) and several furnishers and collection agencies for reporting inaccurate, unverifiable, and damaging information on my credit report. Despite my previous disputes and written communications, these entities have failed to correct or delete false and unverified data, which continues to harm my credit standing, employment opportunities, and financial well-being. 
This letter outlines the specific accounts, collection items, and inquiries that are inaccurate, unverified, or appear to be fraudulently reported. Each account listed below has been previously disputed directly with the credit bureaus but remains incorrectly reported, demonstrating a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

Incorrect Personal Information ( Wrong Addresses Reported ) The following addresses are not mine, and I have no known association, residency, or any authorized relationship with these locations. Their presence on my credit report indicates a possible case of file mixing, identity confusion, or reporting error, which is a direct violation of FCRA 1681e ( b ) ( requiring maximum possible accuracy ).

XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Wrong Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wrong Address These addresses are not connected to me in any way. I never lived, received mail, or conducted any form of financial transaction linked to them. The presence of these addresses is highly alarming and creates suspicion that my credit file might be merged with someone elses information or subject to identity theft, which compromises the integrity of my consumer report. I am demanding immediate deletion of these inaccurate addresses from my file. 
Account Disputes False or Misleading Reporting The following accounts are being disputed due to incorrect, unverifiable, or misleading reporting information. Each item listed below contains either a reporting error, an inaccurate delinquency status, or unverifiable data inconsistent with my records. 
XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  | High Credit : {$500.00} | Status : Charge Off I have no knowledge of this account being in charge-off status. I was never notified of such action, and I dispute the accuracy of this reporting. If the furnisher can not verify this information with full documentation, including payment history, account ownership records, and written charge-off documentation, this item must be deleted under FCRA 1681i ( a ) ( 5 ). 
XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  | High Credit : {$1700.00} | Status : Charge Off This account is being reported with damaging and inconsistent data. I have never received any verified validation or communication confirming this alleged charge-off. Reporting a charge-off without verifiable evidence constitutes willful noncompliance under FCRA 1681n and negligence under FCRA 1681o. I demand full verification or deletion. 
XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  | High Credit : {$2000.00} | Status : Late Payment This account is being falsely reported with late payment history that is completely inaccurate. I have always made payments on time. There are no documented delinquencies or notices provided. This misreporting has caused damage to my credit standing, violating FCRA 1681e ( b ) ( accuracy ) and 15 U.S.C. 1681s-2 ( b ) ( duty to correct ). 
XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXXXXXX  | High Balance : {$150000.00} | Status : Late Payment I dispute the alleged late payment entries. The account has been maintained responsibly, and there has been no delinquency. The reported information is inaccurate, incomplete, and can not be verified. If XXXX can not provide authentic documentation verifying payment delays, it must be corrected or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  | High Credit : {$0.00} | Status : Late Payment It is factually impossible for an account with a {$0.00} high credit balance to report late payments. This clearly demonstrates an internal reporting error, which violates FCRA 602 ( A ), stating that inaccurate credit reporting can harm the consumers ability to obtain credit, insurance, and employment. 
XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX  | High Balance : {$34000.00} | Status : Late Payment This account is inaccurately listed as late. I never missed a payment nor received a late notice from XXXX XXXX XXXX. The data must be re-investigated, and if unverified, it must be immediately removed from all consumer reporting agencies under FCRA 1681i. 
DEPARTMENT OF EDUCATION / XXXX  XXXX Open Date : XX/XX/XXXX | High Balance : {$20000.00} | Status : Late Payment DEPARTMENT OF EDUCATION / XXXX  XXXX Open Date : XX/XX/XXXXXXXX  | High Balance : {$20000.00} | Status : Late Payment Both accounts are being reported inaccurately with alleged late payments. I have never been delinquent on my student loans. The duplication of accounts and incorrect late status create false derogatory reporting, which misrepresents my financial behavior and violates the FCRAs requirement for accuracy and completeness. 
XXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXXXXXX  | High Credit : {$4000.00} | Status : Late Payment This account is being inaccurately reported with late payments that are entirely false. I have never missed or delayed any payment for this account, and there is no legitimate documentation proving any delinquency. Reporting unverified late payments violates FCRA 1681e ( b ) which mandates maximum possible accuracy. I demand that this false information be corrected immediately or deleted entirely if it can not be fully substantiated. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  | High Balance : {$21000.00} | Status : Collection I have no knowledge, contract, or obligation connected to any alleged account handled by XXXX XXXX XXXX. I never received a validation notice, letter, or account verification required under the FDCPA 809 ( 15 U.S.C. 1692g ). Reporting this as a collection without verifiable ownership constitutes a serious legal violation and must be immediately deleted from my credit file. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  | High Balance : {$2900.00} | Status : Collection This entry is fraudulent and unverified. I have never done business with XXXX XXXX XXXX, nor received any notification of debt ownership or transfer. This entry lacks proper validation and is damaging my credit profile. Under FCRA 602 ( A ) and 1681i, I demand deletion of this unverifiable account. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  | High Balance : {$1500.00} | Status : Collection I dispute this alleged collection in its entirety. XXXX XXXX  reporting practices have a known history of erroneous re-aging and false ownership claims. I have never received debt validation or original creditor documentation proving this account belongs to me. If no authentic validation is provided, this must be removed immediately in compliance with FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$2500.00} | Status : Collection This alleged debt is completely unknown to me. XXXX XXXX  entry is inaccurate, unverifiable, and reported in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Unless proper verification and signed account documentation are furnished, I demand deletion. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  | High Balance : {$1400.00} | Status : Collection XXXX XXXX is reporting a collection that I have no knowledge of or agreement with. There has been no validation notice, no original creditor proof, and no contract ever established. I am disputing this as erroneously and illegally reported. Please delete this entry immediately pursuant to FCRA 1681i ( a ) ( 5 ). 
Unauthorized or Inaccurate Hard Inquiries The following inquiries are appearing on my credit file without my authorization, consent, or permissible purpose as defined under FCRA 604 ( a ). Each of these must be immediately deleted unless the reporting agency can produce signed proof that I authorized the inquiry. 
XXXX XXXX XX/XX/XXXX No consent or signed credit application on record. 
XXXX XXXX XXXX XXXX No application or credit request made. 
XXXX XX/XX/XXXXXXXX  unauthorized inquiries ; never applied. 
The presence of multiple inquiries without written consent violates FCRA 604 ( a ) ( 2 ) and 607 ( a ). These actions have unjustly lowered my credit score and reflect an invasion of privacy. Please remove all unverified inquiries immediately. 
Harm and Legal Concerns Due to these inaccurate reports and unlawful inquiries, I have suffered the following harm : Denial of credit and higher interest rates on loan applications. 
Emotional distress due to false reporting and repeated disputes. 
Damage to my financial reputation and creditworthiness. 
The credit bureaus and furnishers have failed to maintain maximum possible accuracy and have not performed reasonable investigations within the 30-day period required by law. Their continued reporting of unverifiable data constitutes willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617.

Requested Action I respectfully request that the CFPB take immediate action to : 1. Investigate Experian, XXXX, and XXXX  for their failure to correct false and unverifiable data.

2. Investigate the furnishers and collection agencies listed above for unlawful and inaccurate reporting.

3. Require deletion of all unverifiable or unauthorized items from my credit report.

4. Ensure that future reporting complies fully with the FCRA and FDCPA. 
I am attaching copies of my identification, proof of address, and a current credit report highlighting the disputed items. Please review this complaint urgently and ensure that all violations are properly addressed. 
Thank you for your time and attention to this matter. I trust the CFPB will ensure that these entities are held accountable for their repeated disregard of federal law and consumer protection rights.

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