Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
I am filing this formal complaint due to multiple serious violations of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX Code XXXX, and the Consumer Financial Protection Act. The consumer reporting agencies have failed to properly investigate and correct multiple accounts and items that are inaccurate, incomplete, outdated, unverifiable, or not legally attributable to me. 
Issues Being Reported : XXXX. Wrong Address Reported Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX This address does not belong to me and was reported without my consent or verification. 
Reporting this address violates XXXX XXXX XXXX ( b ) which requires maximum possible accuracy, and XXXX U.S.C XXXX, which mandates timely reinvestigation of disputed information. 
XXXX XXXX XXXXXXXX XXXX Account # XXXX * * * * Date Opened : XX/XX/XXXX | High Credit : {$15000.00} | Status : Charge Off This account has been previously disputed and remains inaccurate and unverifiable. 
The account has been reported with outdated and misleading information, which violates FCRA XXXX ( a ) and XXXX ( b ), which require thorough reinvestigation and correction of disputed items. 
XXXX. XXXX Account # XXXX * * * * Date Opened : XX/XX/XXXX | High Credit : {$24000.00} | Status : Late Payments These late payments are not valid and no documentation has ever been provided to verify this reporting. 
Violates FCRA XXXX ( b ) and FDCPA XXXX ( XXXX U.S.C. XXXX ) the burden of proof lies with the furnisher, and continued reporting without proper validation is illegal. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX * * * * Date Opened : XX/XX/XXXX | High Credit : {$500.00} | Status : Late Payments This account is not mine or is inaccurately reported, and no verification has been produced. 
Failure to investigate violates FCRA XXXX, and continuing to report inaccurate information knowingly also violates FCRA XXXX and XXXX, which provide for civil liability. 
XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX * * * * Status : Collection This collection has been reported without proper validation of the debt, and I have not received any proof of ownership, contract, or consent. 
Violates FDCPA XXXX ( a ) and FCRA XXXX. XXXX collection reporting without proof is deceptive and unlawful. 
XXXX. Unknown Account Account # XXXX * * * * Date Opened : XX/XX/XXXX | Balance : {$1400.00} | Status : Collection This account is unknown, unauthorized, and completely unverifiable. It appears to be fraudulent. 
Its presence is a clear violation of FCRA XXXX ( blocking of information resulting from identity theft ) and XXXX ( a ) ( duty to adopt reasonable procedures to avoid errors ). 
XXXX. XXXX XXXX Account # XXXX * * * * Date Opened : XX/XX/XXXX | Status : Charge Off | Balance : {$0.00} This item continues to harm my credit despite the {$0.00} balance. The reporting is misleading and fails to reflect accurate closure. 
Violates FCRA XXXX and XXXX ( a ) ( XXXX ) ( B ) for failing to update or remove outdated charge-off status. 
XXXX. Unauthorized Hard Inquiry XXXX on XX/XX/XXXX This inquiry was performed without my knowledge or authorization and is a violation of FCRA XXXX ( a ) ( XXXX ), which limits permissible purpose for accessing a consumer report. 
No permissible purpose was ever established, making this an illegal pull. 
Requested Relief : XXXX. Immediate removal of the inaccurate address and all unverifiable accounts from all consumer reports. 
XXXX. Complete deletion of the listed accounts if the data can not be properly verified under the law. 
XXXX. Investigation and enforcement against furnishers and CRAs for violating federal laws. 
XXXX. Full damages as allowed under FCRA XXXX, XXXX, and FDCPA XXXX ( XXXX U.S.C. XXXX ), including emotional distress and actual harm. 
Supporting Laws Cited : FCRA XXXX ( b ) : Duty to maintain accuracy FCRA XXXX : Failure to reinvestigate FCRA XXXX : Furnishers responsibilities FCRA XXXX & XXXX : Civil liability for willful/negligent violations FDCPA XXXX : Debt validation rights FCRA XXXX ( a XXXX ( XXXX ) : Permissible purpose for inquiries Conclusion : These violations are causing continued financial and emotional harm by misrepresenting my creditworthiness, denying me fair access to financial products, and infringing on my rights as a consumer. I respectfully request the CFPB to investigate and enforce the appropriate penalties and compel the immediate deletion of these errors.

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