Consumer complaint received 2025-07-18 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 filing this formal complaint to report serious inaccuracies and violations present in my credit file that are negatively impacting my creditworthiness I am a victim of inaccurate data furnishing and multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) despite my attempts to correct these errors directly with the credit bureaus my concerns remain unresolved and reinvestigations were either not performed properly or not at all I am requesting the CFPB to urgently intervene and take regulatory action to ensure compliance accuracy and justice in my case I am listing all items individually below with supporting details law violations and my demand for deletion. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Address Law/Issue : Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy in the information they report Story : This address does not belong to me and I have never lived or received mail at this location Its presence is damaging to my credit profile and may have resulted in mixed or merged file data Instruction : Please immediately delete this address from my file and confirm the source that provided this information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Address Law/Issue : FCRA 1681e ( b ) accuracy requirement violated due to inclusion of incorrect residential information Story : I have no affiliation with this address and it has been reported without my authorization which is misleading to potential creditors and must be removed Instruction : I demand deletion and source documentation showing how and why this address was added to my file XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$490.00} Late Payment * * Law/Issue : FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate or incomplete information and 1681i requires timely reinvestigation Story : I never received accurate billing statements from this creditor and was not given proper notice before the reported delinquency this caused an unjust negative impact to my credit report Instruction : Please verify this account directly with the original creditor or remove it entirely if verification can not be completed within the statutory time period XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$280.00} Late Payment * * Law/Issue : FCRA 1681s-2 ( a ) ( 1 ) ( B ) requires furnishers to correct and update information they know to be inaccurate Story : This late payment is inaccurately reported I was enrolled in autopay and made payments on time I have records to support my claims Instruction : Reinvestigate this account with the creditor and delete any unverifiable or incorrect data immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1400.00} Chargeoff * * Law/Issue : FCRA 1681i ( a ) ( 5 ) requires deletion of unverifiable information following a reinvestigation Story : I do not recognize this account nor did I authorize it It appears to be fraud or misreported data and I have no business relationship with this creditor Instruction : Provide detailed verification including original application and account history or delete the account in its entirety XXXX XXXX XXXX XXXX  XX/XX/year> Inquiry Law/Issue : FCRA 1681b requires permissible purpose for accessing a consumer 's credit file Story : This inquiry was conducted without my approval and is not tied to any credit application that I submitted it is a violation of my consumer rights Instruction : Immediately delete this inquiry and confirm whether a signed credit application exists if it does not this inquiry must be removed In conclusion these multiple errors and violations have caused me unjustified harm and financial distress the credit bureaus and furnishers have clearly failed to meet their obligations under federal laws I am requesting the CFPB to demand a full reinvestigation of each item removal of all inaccurate information and potential punitive action against any party that continues to violate consumer protection statutes thank you for your attention and swift action in resolving these matters.

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