Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint to bring to your attention multiple serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in regard to the reporting of my consumer credit file. These violations include the continued reporting of inaccurate, outdated, unverifiable accounts, and multiple addresses which are not associated with me. These errors have caused me significant emotional distress, credit denials, and damage to my financial standing.

Despite my prior efforts to dispute these errors directly with the credit reporting agencies and data furnishers, the inaccurate information remains. I now request the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) to investigate these unlawful practices and ensure my rights are protected under federal law.

1. WRONG ADDRESS REPORTING FCRA 602 ( a ), 607 ( b ), 611 ( a ) The following addresses are incorrect and not associated with me. Their inclusion on my credit file constitutes a violation of the requirement to maintain maximum possible accuracy under FCRA 607 ( b ) : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Not my address XXXX XXXX XXXX, XXXX XXXX, GA XXXX Not my address These false addresses increase the risk of mixed files and identity theft, and I demand their immediate deletion from my credit file. 
2. INACCURATE AND POTENTIALLY ILLEGAL ACCOUNT REPORTING The following accounts are reported inaccurately, unverified, or are otherwise being reported in a manner that violates my rights under FCRA 605, 611, 623, and FDCPA 807, 808 : XXXX XXXX  Account Ending in XXXX Date Opened : XX/XX/XXXX Status : Charge Off Issue : The balance is listed as {$0.00}, yet it's marked as charged-off, which is inconsistent and misleading under FCRA 623 ( a ) ( 1 ) ( A ). This also affects my credit utilization and overall score.

Relief Sought : Requesting full deletion or full verification with documentation. 
XXXX Account Ending in XXXX Date Opened : XX/XX/XXXX High Balance : {$950.00} ( also another report says {$0.00} conflicting ) Status : Late Payment Issue : The account appears twice with conflicting information once showing a high balance of {$950.00} and once with {$0.00}. This inconsistency violates FCRA 607 ( b ) ( accuracy ).

Relief Sought : Requesting investigation and deletion of both entries unless fully verified with proper documentation. 
XXXX XXXX Account Ending in XXXX Date Opened : XX/XX/XXXX Status : Late Payment Issue : This account reflects late payments despite having a {$0.00} balance. This may indicate inaccurate reporting and may be a result of misapplied payments or automated misreporting.

Relief Sought : Requesting full audit and deletion if unverified under FCRA 611. 
XXXX XXXX Account Ending in XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} Status : Late Payment Issue : Account reflects derogatory status while payments were made timely or within the grace period. No valid notice of delinquency was received under FDCPA 807 ( 2 ) ( A ).

Relief Sought : Full documentation or immediate removal from credit report. 
XXXX XXXX XXXX Account Ending in XXXX Date Opened : XX/XX/XXXX High Balance : {$1000.00} Status : Collection Issue : The date opened appears in the future, which is impossible and clearly inaccurate. Reporting future-dated collections is deceptive and violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Relief Sought : Immediate deletion due to invalid date and unverifiable status. 
XXXX XXXX Account Ending in XXXX Date Opened : XX/XX/XXXX High Balance : {$930.00} Status : Collection Issue : Similar to above, this account is dated in the future. Reporting future collection accounts constitutes deceptive reporting.

Relief Sought : Deletion of this item under FCRA 607 ( b ).

REQUEST FOR RELIEF Under FCRA 611 ( a ) and FDCPA 809 ( b ), I request that all above-mentioned accounts and addresses be : 1. Fully investigated and verified with original signed contracts and billing statements, 2. Corrected or permanently deleted from my credit file if not fully verifiable, 3. Accompanied with written confirmation of the results of the investigation.

I respectfully request that the CFPB hold all reporting parties accountable and that appropriate fines and corrective action be taken for any violation of federal law.

Please keep me informed of the status of this investigation and any response provided by the data furnishers or XXXX.

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