Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and unauthorized information appearing on my credit reports. These items are severely affecting my credit profile and are being reported in violation of the Fair Credit Reporting Act ( FCRA ), which requires all consumer reporting information to be accurate, verifiable, and complete.

1. Wrong Address Reported The following address is inaccurately listed on my credit report, and I have no connection or residency history associated with it : XXXX XXXX XXXX XXXX XXXX, OH XXXX This is a completely incorrect address, and I am requesting its immediate removal from all consumer reporting agencies ( Experian, XXXX, and XXXX  ). 

2. Late Payment Accounts Inaccurate Reporting The following accounts are being reported with late payments, which is entirely false. I have never made a late payment on any of these accounts. These entries are damaging my credit standing and must be corrected immediately : XXXX XXXX Account # XXXX * * Date Opened : XX/XX/XXXX High Credit : {$67000.00} XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$54000.00} * * I request that these inaccurate late payment notations be removed and my payment history corrected to reflect Paid as Agreed/ Never Late.

3. Charge-Off Accounts Accounts I Have No Knowledge Of The following accounts are listed as charge-offs, yet I have no knowledge or association with these accounts. They appear to be erroneous or potentially fraudulent entries and must be deleted immediately : XXXX Account # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} * * XXXX Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} * * XXXX XXXX Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} XXXX XXXX  XXXX Account # XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$5200.00} * * I have no recollection, agreement, or documentation relating to these accounts. These listings violate the FCRAs accuracy and verification standards. I am demanding that the CFPB investigate and require the credit bureaus and furnishers to delete these accounts immediately.

4. Unauthorized Hard Inquiries Additionally, my credit report shows multiple inquiries that I did not authorize or initiate. These inquiries are unlawful under the FCRA unless made with my written consent. 
Unauthorized inquiries include : XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX These inquiries must be removed immediately as they were not initiated or approved by me. 
Requested Action I respectfully request the CFPB to : Conduct a thorough investigation into these inaccurate and unauthorized credit report entries.

Ensure that the credit reporting agencies delete or correct all disputed items as required under FCRA Sections 602A, 607 ( B ), and 611 ( A ).

Require all furnishers involved to provide verifiable proof of my authorization and account ownership, or otherwise remove the listings.

These errors have caused substantial harm to my creditworthiness and emotional distress. I am requesting prompt corrective action and confirmation once these inaccuracies are resolved. 

Thank you for your immediate attention to this matter. Please contact me directly should you need further documentation or clarification.

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