Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
I am submitting this formal complaint to request an urgent investigation into multiple inaccuracies and unverified items being reported by various furnishers and credit reporting agencies on my consumer credit reports. These errors are severely damaging my credit reputation and appear to be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 

1. Wrong and Unverified Addresses The following addresses appearing on my credit report are incorrect and have no association with me whatsoever : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX I have never lived at, used, or authorized the use of these addresses for any credit purpose. I request these addresses be immediately deleted from all of my credit reports as they are inaccurate and unverified. 

2. Inaccurate Late Payment Reporting The following accounts are reporting late payments, which is completely false. I have never missed or been late on any of these accounts. These furnishers have reported inaccurate payment histories and must be required to conduct a full reinvestigation under FCRA 623 : DEPTEDXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balances : {$1900.00} / {$1100.00} ( duplicate entries XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  These late payment notations are false and damaging. I demand that these accounts be corrected to reflect an accurate payment history showing Never Late status. 

3. Unrecognized and Unverified Charge-Off Accounts The following accounts are being reported as Charge-Offs, but I have no knowledge or record of ever holding or defaulting on these accounts. I believe these items are either identity-related errors or unverified third-party entries. 

XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX  Under FCRA 609 and 611, I am requesting full documentation verifying the ownership, authorization, and charge-off status of these accounts. If the furnishers can not provide legally verifiable proof, these accounts must be deleted immediately from my credit file. 

4. Unverified Collection Accounts I have no knowledge of the following collection accounts being legitimately incurred or authorized by me : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  These collection agencies have failed to provide any validation of debt as required under the FDCPA ( 15 U.S.C. 809 ). These entries should be removed entirely from all credit reports for failure to validate. 

5. Excessive and Suspicious Hard Inquiries The following recent hard inquiries were made without my authorization or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries, nor did I apply for credit with these institutions on those dates. I request a full investigation into these unauthorized inquiries and demand their deletion under FCRA 604.

Requested Resolution Immediate deletion of all inaccurate or unverified items listed above. 

Written confirmation from each reporting agency and furnisher once these corrections have been completed. 

Assurance that these entities will cease reporting unverifiable or false information in the future.

Conclusion These repeated inaccuracies constitute willful noncompliance with the FCRA, FDCPA, and FCBA. I expect prompt corrective action and a written response within 30 days as mandated by federal law.

Thank you for your immediate attention to this matter.

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