Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I am filing this complaint to report serious and repeated violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit file contains multiple inaccuracies, including a wrong address, false account information, and an unauthorized inquiry. These errors have caused significant harm to my credit standing, denied me fair access to credit opportunities, and violated my rights under federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This address does not belong to me and has been incorrectly reported, creating potential identity confusion and data merging issues. Under FCRA 607 ( B ), the credit bureau must ensure that only accurate, verifiable information is listed. Reporting this address without documentation linking it to me violates 611 ( A ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ), as the data can not be verified with any legitimate source. I am requesting its permanent deletion. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$6100.00} Date Opened : XX/XX/XXXX This account has been inaccurately reported as a charge-off. The furnisher failed to provide documentation proving that I defaulted or that the charge-off was processed correctly. Reporting unverifiable data violates FCRA 611 ( A ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). Under 607 ( B ), the bureau must ensure maximum accuracy, which did not occur. This account must be deleted immediately. 

XXXX XXXX * XXXX XXXX : {$1300.00} Date Opened : XX/XX/XXXX The late payment status reported is not supported by verifiable payment history. FCRA 607 ( B ) requires accurate and substantiated reporting, and 611 ( A ) ( 1 ) ( A ) demands a fair reinvestigation when disputed. Since no validation or billing record has been shown, the data must be removed. Continued reporting constitutes willful noncompliance under 616. 

XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX This charge-off listing is inaccurate, as there is no valid evidence proving default or legal charge-off authorization. Reporting such data without verification violates 607 ( B ) and 611 ( A ) ( 1 ) ( A ). The bureau must contact the original creditor directly for verification ; otherwise, immediate deletion is required under 611 ( A ) ( 5 ) ( A ). 

XXXX XXXX XXXX * XXXX XXXX : {$420.00} Date Opened : XX/XX/XXXX This account continues to be reported as charged off even though the prior investigation provided no contract, service record, or statement supporting that status. Under 611 ( A ) ( 1 ) ( A ) and 607 ( B ), unverifiable accounts can not remain on file. Continued reporting after notice of dispute is considered reckless disregard under 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX  High Balance : {$4000.00} Date Opened : XX/XX/XXXX The charge-off is being reported with inconsistent information between the creditor and the bureau. Under 607 ( B ) and 611 ( A ) ( 1 ) ( A ), accuracy and verification are mandatory. Failure to produce the original agreement or payment record is a clear violation of 623 ( a ) ( 1 ) ( A ). This account must be corrected or deleted immediately. 

XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX This collection account is invalid and has not been verified with a chain of ownership or proof of assignment from the original creditor. Under FCRA 611 ( A ) ( 1 ) ( A ) and FDCPA 809 ( b ), the furnisher must provide validation before reporting. Since none has been shown, continued reporting violates both FCRA and FDCPA, requiring immediate removal. 

XXXX XXXX XXXX XXXX High Balance : {$8600.00} Date Opened : XX/XX/XXXX This collection is inaccurate and was verified without proof of the original debt or assignment documentation. Under 607 ( B ) and FDCPA 809 ( b ), such unverifiable reporting is illegal. The bureau must delete this account immediately under 611 ( A ) ( 5 ) ( A ) for failure to substantiate accuracy. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was unauthorized and made without my consent. Under FCRA 604 ( a ) ( 2 ) and 607 ( A ), the bureau may not allow any company to access my file without permissible purpose. This hard inquiry violates federal law and must be deleted. 

XXXX XXXX XX/XX/XXXX This inquiry was conducted without my written or electronic authorization. Reporting unauthorized inquiries violates 604 ( a ) ( 3 ) ( A ) and 607 ( B ). I request its immediate removal for lack of permissible purpose. 

XXXX XX/XX/XXXX This inquiry was made without any credit application or authorization from me. Under FCRA 604 ( a ) ( 2 ) and 611 ( A ) ( 1 ) ( A ), such inquiries are unlawful and must be deleted. 

XXXX XX/XX/XXXX This inquiry is unapproved and unverifiable, violating 604 ( a ) ( 3 ) and 607 ( B ). The bureau must confirm proof of permissible purpose ; otherwise, delete it immediately. 

XXXX XXXX XX/XX/XXXX This inquiry was unauthorized and conducted without my consent. Reporting unauthorized access is a direct violation of 604 ( a ) ( 2 ) and 607 ( A ). This must be deleted at once to comply with FCRA law.

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations and hold the responsible credit bureaus and furnishers accountable. I demand immediate deletion of the false address, inaccurate accounts, and unauthorized inquiry from my credit report. These repeated errors demonstrate willful neglect and noncompliance with federal law, causing continued harm to my credit and personal reputation.

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