Consumer complaint received 2025-11-11 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 writing to file a formal complaint regarding several inaccurate and unverified items being reported on my credit report by multiple furnishers and credit reporting agencies. Despite my prior attempts to dispute these inaccuracies, the false information remains, causing significant harm to my credit reputation and financial standing. 

Below are the specific issues I am disputing : XXXX. Incorrect Personal Information ( Wrong Addresses ) : XXXX XXXX XXXX, XXXX XXXX, SC XXXX Incorrect Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Incorrect Address I have never lived at or been associated with these addresses. The presence of these addresses on my credit report suggests serious data integrity issues and potential identity confusion. I request immediate investigation and deletion of these inaccurate addresses from my file. 

2. Unverified Charge-Off Accounts : The following accounts are being reported as charge-offs. I have no knowledge or recollection of ever opening or authorizing these accounts, and none of these furnishers have provided documentation proving that I am legally responsible for these debts. 

XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX ( XXXX ) Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX  XXXX  Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account ending XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$29000.00} XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have been reported as charge-offs without any verifiable documentation or proof of my consent or obligation. This violates 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which require that information furnished to credit reporting agencies be accurate, complete, and verifiable. 

I am requesting that the CFPB investigate these entities for failing to maintain accurate records, verify my identity before reporting such information, and provide supporting documentation for these accounts. If verification can not be provided, these items must be immediately deleted from all credit reports. 

3. Improper Inquiry : XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX I do not recall authorizing this inquiry. I request that it be investigated and removed if found to be unauthorized, as this constitutes a violation of FCRA 604 ( a ).

These continued inaccuracies are damaging my credit score and hindering my ability to obtain fair financial opportunities. I have made prior disputes with the credit bureaus, yet they continue to report this unverifiable and inaccurate information. I am requesting the CFPBs intervention to ensure full compliance with the Fair Credit Reporting Act and proper correction of my credit file. 

Please provide written confirmation of your investigation results and actions taken against the furnishers who failed to uphold their legal responsibilities under federal law. 

Thank you for your attention and assistance in protecting my consumer 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