Consumer complaint received 2025-08-09 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: MI

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccuracies, unverifiable accounts, and unauthorized credit inquiries, all of which violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and other applicable consumer protection laws. These errors are harming my credit score, creating the false appearance of negative credit history, and exposing me to potential identity theft. I am demanding immediate investigation and permanent removal of each inaccurate item listed below. 

XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue : Unknown PO Box address linked to my file without authorization Law : FCRA 603 ( p ) and FACTA Identity Theft Rules require consumer file security and prohibition of mixed or commingled files Story : I have never personally maintained nor applied for credit using this XXXX XXXX XXXX, and its appearance creates the false narrative that I used undisclosed mailing addresses which XXXX be connected to identity theft or creditor reporting errors XXXX XXXX XXXX XXXX, MI XXXX Issue : Inaccurate residential address, not tied to my legal residence records Law : FCRA 611 and CFPB Regulation V require CRAs to ensure consumer file reflects accurate current and historical addresses Story : This address being listed causes database mismatches when lenders do address verification, causing unnecessary credit rejections and suspicion about my identity XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$610.00} Issue : Collection account is not mine and was never opened by me Law : FCRA 609 ( a ) ( 2 ) and FDCPA 809 ( b ) require full validation of debt before reporting Story : I have not received any original contract, signed agreement, or billing statement proving ownership of this debt, yet it is damaging my score and preventing me from obtaining fair credit offers XXXX XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$10000.00} Issue : Charge-off is unverified and contains incorrect details regarding opening date and balance Law : FCRA 611 and FDCPA 807 prohibit false credit reporting Story : This high-dollar account substantially harms my creditworthiness, and without verifiable proof including complete payment history and original signed agreement, it is illegally being furnished to XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Inquiry done without my request XXXX XXXX XXXXXX/XX/XXXX Inquiry Duplicate inquiry from same lender further proof of improper processing XXXX XXXX XX/XX/XXXX Inquiry No application initiated XXXX XXXX XXXX XX/XX/XXXX Inquiry Duplicate unauthorized inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry No valid permissible purpose under FCRA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unverified and unauthorized XXXX XXXX XXXXXX/XX/XXXX Inquiry Same as above I request the CFPB to direct the credit reporting agencies and furnishers to conduct a full investigation under FCRA 1681i, provide documented proof of accuracy and permissible purpose for each item, and permanently delete any unverifiable or unauthorized information. Continued failure to comply will result in further action including FTC complaints, Attorney General complaints, and pursuit of statutory damages in federal court.

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