Consumer complaint received 2025-10-30 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: MA

Complaint narrative:
I am writing to formally dispute multiple inaccuracies and unauthorized entries on my credit report that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and potentially the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. These errors have caused, and continue to cause, significant harm to my creditworthiness, financial stability, and personal reputation. I demand a full investigation and immediate corrective action, including deletion of any accounts I do not recognize. 

1. Incorrect Addresses Reported XXXX XXXX, XXXX, MA XXXX XXXX XXXX, XXXX, MA XXXX These addresses are incorrectly associated with my credit profile. Reporting inaccurate addresses can constitute a violation of FCRA 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. I demand these addresses be removed immediately.

2. Charge-Off Accounts with Zero Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX, {$0.00} ) XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX, {$0.00} ) I have no record or acknowledgment of any activity that should lead to a charge-off. Listing these accounts as charge-offs is misleading and inaccurate, violating FCRA 1681i ( a ) requiring investigation of disputed information. I demand deletion of these entries. 

3. Late Payment Entries XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$0.00} ) XXXX  XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$28000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$3800.00} ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX, {$3800.00} ) These accounts report late payments that are completely inaccurate. I have never missed payments on these accounts, and the reporting of such delinquencies constitutes a violation of FCRA 1681s-2 ( b ). I request immediate correction of the payment history. 

4. Collection Accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX, {$920.00} ) XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX, {$410.00} ) XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  ( Opened XX/XX/XXXX, {$620.00} ) I have no knowledge of these collection accounts. Reporting debts I do not recognize is a violation of FCRA 1681i ( a ) and FDCPA 1692e. I demand these accounts be deleted immediately from my credit report. 

5. Unauthorized Inquiries XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) These inquiries were made without my authorization and are therefore unauthorized hard pulls under FCRA 604 ( a ) ( 3 ). I request that these inquiries be removed immediately.

The presence of these inaccurate and unauthorized entries has caused severe damage to my financial reputation and has affected my ability to secure credit. I request that each disputed item be investigated under the law, and that my credit report be updated to accurately reflect only verified, authorized, and accurate information. 

Please provide written confirmation of your receipt of this complaint, your plan for investigation, and the outcome once completed. I also request that you provide documentation confirming the deletion or correction of each disputed item. 

Thank you for your immediate attention to this matter.

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