Consumer complaint received 2025-09-23 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: PA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate and unverifiable items on my credit report which have caused significant damage to my creditworthiness and financial standing. The Fair Credit Reporting Act ( FCRA ) Section 609 and 611 mandates that all information reported to credit bureaus must be accurate, verifiable, and complete, and I am exercising my rights to demand proper reinvestigation. 

Addresses XXXX XXXX XXXX XXXX XXXX, MI XXXX This address is not and has never been associated with me. Its continued reporting violates FCRA 1681e ( b ), which requires maximum possible accuracy in credit reporting. Despite prior disputes, this address remains uncorrected, showing a failure to reinvestigate under 1681i ( a ). Its presence misleads creditors and potential lenders into believing I have resided here, creating identity confusion. This false reporting has negatively impacted my credit opportunities and caused measurable financial harm. Maintaining inaccurate addresses constitutes a continuing violation of the law. Repeated errors show negligence in your reinvestigation process. I demand immediate correction or complete removal of this address. Documentation or verification linking me to this address must be provided, or it must be deleted. This is a formal notice under FCRA to prevent further harm to my credit. 

XXXX XXXX XXXX XXXX, PA XXXX This address is reported in error and has never been mine. Reporting incorrect addresses violates FCRA 1681e ( b ), which requires accurate and complete reporting. Despite previous disputes, this false address persists, demonstrating failure to reinvestigate under 1681i ( a ). Its presence misleads creditors and can result in misattribution of accounts, identity confusion, and denial of credit. Repeated reporting of this inaccuracy continues to harm my credit score and financial reputation. The ongoing inclusion of this address is unlawful and materially damaging. I demand that this address be fully verified with proper documentation or removed entirely. Its continued reporting after multiple disputes reflects negligence and failure to meet your statutory obligations. This notice serves as a formal request under FCRA for immediate correction. 

Accounts : XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance : {$0.00}, Chargeoff * * This charge-off is falsely reported and unverified. FCRA 1681i ( a ) requires that all disputed information be reinvestigated thoroughly. Previous disputes did not resolve this issue, and its continued reporting continues to harm my credit profile. The inclusion of unverified negative information violates 1681e ( b ) and is materially harmful. Repeated errors suggest negligence in the reinvestigation process. I demand immediate removal or correction. Documentation verifying the charge-off must be provided ; otherwise, it must be deleted. Failure to act constitutes a continuing violation of my legal rights. This inaccurate reporting misleads creditors, affects credit scoring, and creates unjust financial harm. Immediate written confirmation of correction is required. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$1000.00}, Chargeoff * * The reported charge-off is inaccurate and has never been verified. Prior disputes under FCRA 1681i ( a ) have not corrected this error. Reporting false negative information violates 1681e ( b ) and continues to damage my creditworthiness. The presence of this account in my credit report misleads lenders, delays credit approvals, and impacts financial opportunities. I demand complete reinvestigation, proper verification, or immediate deletion. Repeated errors indicate negligence and failure to comply with legal obligations. Documentation linking me to this charge-off must be provided if claimed ; otherwise, it must be removed. Continued reporting constitutes repeated violations, materially harms my credit, and violates my rights. Immediate action is required. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$0.00}, Chargeoff * * This account is inaccurately reported as a charge-off. FCRA 1681i ( a ) guarantees the right to a thorough reinvestigation of disputed accounts. Prior disputes have failed to correct this inaccuracy. Reporting unverified negative information violates 1681e ( b ) and continues to harm my credit score. Its presence misleads potential lenders and affects my ability to access credit. I demand removal or verified correction immediately. Documentation supporting this charge-off must be provided ; otherwise, deletion is required. Continued reporting constitutes repeated violations. Reinvestigation must comply fully with FCRA to prevent further material harm. Failure to act may result in legal remedies. 

XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$0.00}, Chargeoff * * The charge-off is falsely reported and unverifiable. FCRA 1681i ( a ) requires that all disputed information be reinvestigated thoroughly. Previous disputes did not resolve this, and its continued reporting unlawfully damages my credit profile. Reporting unverified negative information violates 1681e ( b ) and creates unjust financial harm. I demand immediate correction or removal. Documentation verifying this charge-off must be provided ; otherwise, deletion is required. Repeated reporting shows negligence and failure to comply with statutory obligations. This false reporting misleads creditors and impacts my creditworthiness. Immediate written confirmation is required. 

XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX, Balance : {$0.00}, Chargeoff * * This account is inaccurately reported as a charge-off. FCRA 1681i ( a ) mandates a complete reinvestigation of disputed information. Previous disputes have failed to remove or correct this item. Reporting false negative information violates 1681e ( b ) and harms my credit. Its continued presence misleads lenders and delays financial opportunities. I demand immediate verification or deletion. Documentation must be provided if the charge-off is claimed ; otherwise, it must be removed. Repeated failure to correct constitutes repeated violations and material harm. Immediate action is required. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$0.00}, Chargeoff * * The charge-off is false and unverified. FCRA 1681i ( a ) requires thorough reinvestigation of all disputed information. Previous disputes did not correct this error. Reporting unverified negative information violates 1681e ( b ) and materially harms my credit profile. Its presence misleads lenders and affects credit scoring. I demand immediate removal or verified correction. Documentation must be provided to substantiate this charge-off ; otherwise, it must be deleted. Continued reporting constitutes repeated violations and unjust financial harm. Immediate written confirmation of correction is required. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$0.00}, Chargeoff * * This charge-off is inaccurately reported. FCRA 1681i ( a ) requires complete reinvestigation of disputed information. Previous disputes have failed to resolve this error. Reporting unverified negative information violates 1681e ( b ) and causes material harm to my credit profile. Its presence misleads lenders and impacts financial opportunities. I demand removal or verified correction immediately. Documentation must be provided if claimed ; otherwise, deletion is required. Repeated reporting shows negligence and violation of statutory obligations. Immediate action is required. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$1100.00}, Chargeoff * * The reported charge-off is inaccurate and unverifiable. FCRA 1681i ( a ) guarantees the right to dispute and reinvestigate. Prior disputes failed to correct this item. Reporting false negative information violates 1681e ( b ) and continues to harm my creditworthiness. Its presence misleads lenders and delays approvals. I demand complete reinvestigation or removal. Documentation must be provided if claimed ; otherwise, deletion is required. Continued reporting constitutes repeated violations and material harm. Immediate confirmation of correction is required. 

XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX, Balance : {$890.00}, Chargeoff * * The charge-off is falsely reported. FCRA 1681i ( a ) mandates thorough reinvestigation of disputed accounts. Previous disputes did not correct this item. Reporting unverified negative information violates 1681e ( b ) and causes material harm to my credit. Its presence misleads lenders and negatively affects financial opportunities. I demand immediate removal or verified correction. Documentation must be provided if claimed ; otherwise, deletion is required. Continued reporting constitutes repeated violations. Immediate action is legally required. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX This bankruptcy entry is false and unverified. FCRA 1681i ( a ) requires thorough reinvestigation. Previous disputes did not correct this item. Reporting false negative information violates 1681e ( b ) and continues to harm my credit. Its presence misleads lenders and negatively affects credit approvals. I demand immediate removal or verified correction. Documentation must be provided if claimed ; otherwise, deletion is required. Continued reporting constitutes repeated violations and material harm. Immediate confirmation of correction is legally required. 

Inquiries XXXX XX/XX/XXXX This inquiry was made on XX/XX/XXXX, by XXXX. I did not authorize this inquiry and have no account or transaction with XXXX that would permit this pull. FCRA Section 604 ( a ) requires that a credit inquiry only occur with explicit authorization or permissible purpose. The reporting of this inquiry without my consent is a direct violation of my rights under the FCRA. I am requesting a reinvestigation and immediate removal from my credit report. This unauthorized inquiry has created confusion in my credit profile and unfairly affected my creditworthiness. Any documentation used to justify this inquiry must be produced, failing which removal is required. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXXXXXX XXXX was not authorized by me. Under FCRA Section 604 ( a ) ( 3 ), a credit bureau may only report inquiries that are legally permissible, and I assert no permissible purpose existed for this inquiry. The presence of this inquiry is inaccurate and misleading. I demand a complete reinvestigation, verification of authorization, and deletion if verification can not be provided. The reporting of this inquiry negatively impacts my credit profile, reduces my credit opportunities, and is a violation of my legal rights. 

XXXX XXXXXX/XX/XXXX The inquiry reported on XX/XX/XXXXXXXX XXXX  by XXXX is unauthorized. FCRA Section 611 requires that all disputed items be reinvestigated with a reasonable standard of accuracy. I did not initiate any credit request with XXXX at this time. Therefore, this inquiry is inaccurate and should be removed immediately. Continuing to report it without verification constitutes a breach of federal law and exposes the reporting agency to liability. 

XXXX XXXX XXXX XX/XX/XXXX The inquiry dated XX/XX/XXXX, by XXXX XXXX XXXXXXXX is completely unauthorized . Under FCRA Section 604 ( a ), the inquiry must have a permissible purpose, which in this case does not exist. Reporting this inquiry without my consent is illegal and misleading. I request a thorough reinvestigation and removal from my credit file. Any failure to verify or remove this inquiry is a violation of my rights and has harmed my credit standing. 

XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX, was not authorized. FCRA Sections 604 ( a ) and 611 ( a ) protect consumers from such unauthorized reporting. I have no account, application, or business relationship that would justify this inquiry. Its inclusion on my report is false, and I demand immediate deletion following a proper reinvestigation. Unauthorized inquiries damage my credit profile and are actionable under federal law. 

XXXX XXXX XXXX XXXX XX/XX/XXXX The inquiry by XXXX XXXX XXXX XXXX on XX/XX/XXXX, was made without my consent. Per FCRA Section 604 ( a ), all credit inquiries require a permissible purpose, which does not exist here. Reporting this inquiry without verification constitutes an inaccuracy and legal violation. I am requesting immediate reinvestigation and removal, as continued reporting is detrimental to my financial reputation. 

XXXX XXXX XX/XX/XXXX This inquiry from XXXX XXXX on XX/XX/XXXXXXXX was never authorized by me. According to FCRA Section 611 ( a ), all disputes must be fully reinvestigated. I request proof of authorization and, in absence of such proof, deletion of this inquiry. Its current reporting is inaccurate and violates my rights under federal law. 

CFPB, I request your immediate attention and enforcement to ensure the reporting bureaus and furnishers comply with federal law, fully verify all accounts listed, and correct or delete any unverifiable or inaccurate information. The repeated reporting of these inaccurate charge-offs and bankruptcy information continues to cause substantial harm to my financial opportunities and violates my rights under the Fair Credit Reporting Act.

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