Consumer complaint received 2025-11-08 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: SC

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unverified items appearing on my credit report, which have negatively impacted my credit standing and personal reputation. The following issues need immediate investigation and correction. 

XXXX. Wrong Addresses Reported The following addresses are being falsely associated with my credit file. I have no connection or residency history with any of these locations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX These addresses are completely inaccurate and should be removed immediately from all credit bureau records, as they do not belong to me. 

2. Unverified Collection Accounts No Knowledge or Authorization The following collection accounts are being reported without my knowledge or any validation. I have never had any business relationship with these entities, nor have I authorized any such accounts. These entries appear fraudulent or incorrectly merged with my file : 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 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 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 XXXX XXXX  These accounts are being reported as collections, yet no original creditor information, validation documentation, or signed agreements have been provided. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I have the right to request verification of these accounts. If they can not be properly validated, they must be deleted immediately from my credit reports with all bureaus. 

3. Unauthorized Hard Inquiries The following credit inquiries were not authorized by me and constitute violations of the FCRA 604 ( Permissible Purpose ). I did not apply for credit, financing, or authorize any entity to pull my report on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries should be removed immediately, and I request that the CFPB investigate the permissible purpose behind each pull. 

Requested Actions : Remove all incorrect addresses listed above. 

Delete all unverified collection accounts from XXXX XXXX XXXX and XXXX XXXX XXXX. 

Remove all unauthorized inquiries listed above. 

Provide a detailed explanation and documentation from the credit bureaus and furnishers regarding how these items were verified and why they remain on my report. 

These inaccuracies have caused significant harm to my creditworthiness and peace of mind. I request the CFPBs assistance in ensuring full compliance with the Fair Credit Reporting Act ( FCRA ) and that these errors are corrected without delay. 

Thank you for your attention to this matter. I look forward to a thorough investigation and a prompt resolution.

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