Consumer complaint received 2025-10-27 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 complaint because there are multiple inaccurate, unauthorized, and misleading items appearing on my credit report that are violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Fair Debt Collection Practices Act ( FDCPA ). These items are causing ongoing harm to my creditworthiness and reputation. I have already disputed these matters with the credit bureaus, yet the information remains uncorrected, indicating a failure to perform a proper reinvestigation as required by federal law. 

XXXX XXXX XXXX XXXX, LA XXXX This address is not and has never been associated with me. Reporting an incorrect address directly violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. The continued inclusion of this address creates false associations and must be deleted immediately. 

XXXX XXXX XXXX, LA XXXX This address is false and unrelated to my residence history. Under FCRA 611 ( a ) ( 1 ) ( A ), any unverifiable or inaccurate personal information must be deleted from my credit file. Failure to correct this shows negligence in ensuring accuracy. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4100.00} Charge Off * * This account has not been verified with any signed contract, payment history, or authentic documentation. Under FCRA 611 ( a ) and 607 ( b ), you must verify accuracy with original records, not secondary databases. No valid proof has been provided, and continuing to report this account without substantiation is a violation of federal law. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Collection * * This collection account is inaccurate, unverified, and likely reported in error. Under FCRA 609 ( a ) ( 1 ) ( A ), I have a right to full disclosure of how it was verified. No supporting documents have been produced, and reporting medical debt without verification violates both the FCRA and HIPAA privacy standards. 

XXXX XXXXXXXX, XXXX XX/XX/XXXX This inquiry was unauthorized and made without my written consent or permissible purpose under FCRA 604 ( a ) ( 2 ). Any access to my credit report without approval is illegal and must be deleted immediately. 

XXXX XXXX XX/XX/XXXX This inquiry was not initiated by me and violates FCRA 604  since no permissible purpose has been demonstrated. Reporting or maintaining unauthorized inquiries damages my credit profile and must be removed. 

XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry, and there is no proof of permissible purpose. This is a clear violation of FCRA 604 ( a ) ( 3 ) ( A ), which mandates that all credit access must be properly consented to by the consumer. This must be deleted from my file immediately. 

All of the above-mentioned items have violated the FCRA by failing to ensure the maximum possible accuracy, performing inadequate reinvestigation, and retaining unverifiable and unauthorized information. I request immediate deletion of these inaccurate items from my credit report. Please conduct a full and lawful reinvestigation and provide written verification of each correction. Failure to comply will result in further action with the Federal Trade Commission and my State Attorney General.

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