Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
To Whom It May Concern I am filing this CFPB complaint because my credit file contains multiple inaccurate and unverifiable accounts. These items violate the accuracy and reinvestigation requirements under the FCRA 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( a. I request a full investigation, deletion of all accounts I do not recognize, and correction of all inaccurate late payment reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$620.00} Chargeoff I do not recognize this account and no legal contract or application can be produced proving I authorized or used it. Reporting a charge-off that can not be proven violates the FCRAs accuracy and reinvestigation standards under 1681e ( b ) and 1681i. Since I have no relationship with this account, it must be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} Chargeoff This account is not mine and should not appear in my file. No binding agreement exists tying me to it and reporting a charge-off under my name without proper verification violates 1681e ( b ) because the information is not accurate. This must be deleted immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$200.00} Late Payment The reported late payment is inaccurate. I have never made a late payment on this account, and furnishing a false delinquency violates 1681e ( b ) because it lowers accuracy and 1681i because such an error must be corrected upon dispute. I request correction of the full payment history to reflect on-time performance. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Chargeoff I have no knowledge of this account and no records exist that connect me to any service or agreement. Reporting a charge-off without verifiable documentation violates 1681e ( b ) and reinvestigation is required under 1681i. This account must be deleted due to lack of verifiable proof. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Chargeoff This account does not belong to me. Reporting a charge-off that can not be proven with original signed records violates the FCRA accuracy requirement and I request immediate deletion because it is not mine and can not be validated under 1681e ( b ) and 1681i. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$730.00} Collection I have no knowledge of this collection account and no documentation can tie me to it. Reporting a collection without verified proof violates the FCRAs accuracy requirements and reinvestigation obligations. This account must be deleted because it is not mine. 

I request full reinvestigation, deletion of all unrecognized accounts, correction of all inaccurate payment histories, and written confirmation once completed.

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