Consumer complaint received 2025-06-06 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:
To Whom It May Concern, I am writing to formally file a complaint regarding multiple serious inaccuracies, improper collections activities, and violations of federal consumer protection laws related to my credit report. These issues have caused significant distress and financial harm, and I am requesting immediate investigation and correction.

1. Inaccurate Address Reporting My credit report contains several incorrect and misleading addresses that do not belong to me. The following addresses are inaccurately reported, which adversely affects my creditworthiness and personal information security : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Topaz Trl, XXXX, GA XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 609 and 611, I have the right to dispute and request removal of inaccurate personal information on my credit report. These erroneous addresses violate my rights and contribute to potential identity confusion.

2. Improper Collection Accounts and Account Details The following collection accounts have been reported without proper verification and contain errors that violate my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Account # XXXX, Opened XX/XX/XXXXXXXX XXXX, Account # XXXX, Opened XX/XX/XXXX These accounts have not been validated properly as required under FDCPA Sections 809 and 814, which mandate debt collectors to provide accurate and complete validation of debts before reporting or collection. Additionally, some accounts may be beyond the statute of limitations or inaccurately reported, which must be immediately corrected or removed.

3. Unauthorized and Unlawful Credit Inquiries There is an unauthorized inquiry from XXXX XXXX dated XX/XX/XXXX that I did not approve. Under the FCRA Section 604, only authorized entities may make credit inquiries, and any unauthorized inquiries must be removed promptly. 
Summary and Demand for Action Based on the above, I formally dispute all inaccurate information, unauthorized collections, and wrongful inquiries on my credit report. I request the following : Immediate investigation and removal of all inaccurate addresses.

Verification and removal of unvalidated collection accounts that violate federal laws.

Removal of all unauthorized credit inquiries.

Confirmation in writing of all actions taken to correct my credit report.

Failure to comply with these federal laws is a violation of my consumer rights and could result in further legal action.

Please consider this letter as a formal dispute and a demand for immediate correction pursuant to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
Thank you for your prompt attention to these serious issues. I expect your response within 30 days as required by law.

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