Consumer complaint received 2025-10-28 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:
Dear CFPB Representative, I am submitting this formal complaint regarding multiple inaccurate and unverifiable items being reported on my credit reports by the credit reporting agencies ( TransUnion, Experian, and Equifax ). Despite repeated disputes and written requests for proper verification, these agencies and the creditors involved continue to report false, damaging, and misleading information that does not belong to me or has been misreported in violation of the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692 ).

The following personal information is being falsely reported and must be immediately deleted from my credit file : XXXX XXXXXXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX, TX XXXX XXXX Address These addresses are completely incorrect and not associated with me in any capacity. I have never lived, received mail, or conducted any financial activity from those locations. Continued reporting of these addresses constitutes a direct violation of the FCRA and creates confusion in verifying my identity. 
The following accounts are also being falsely reported and must be thoroughly investigated and corrected or deleted if found unverifiable XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I have no record or knowledge of this account ever existing in my name. Reporting it as a charge off is false and misleading. Under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), I am requesting verification of this account including signed application, payment history, and original creditor contract. If you can not produce verifiable proof, this entry must be permanently deleted. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00} Charge Off This account is reported inaccurately. I have no record of any charge off with this creditor. This appears to be a case of mistaken or mixed file reporting. Please provide all documentation showing my signature, billing statements, and proof of default. Failure to validate violates FCRA 611 and 623 ( a ) ( 1 ) ( A ), which prohibits the reporting of unverified information. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$510.00} Charge Off This account is completely unknown to me. I have never had any relationship or purchase activity with this creditor. Reporting such false information without proper verification violates the FCRA and the Fair Debt Collection Practices Act ( FDCPA 807 ), which prohibits false representation of debt. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Collection This collection account is not mine and is being reported in error. I have never received any notice, bill, or validation of this debt. Under FCRA 609 and FDCPA 809 ( a ), I demand complete validation, including the original creditor name, signed agreement, and itemized statement. If such proof can not be provided, you must delete this account immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} Collection This account is fraudulent and unknown to me. XXXX XXXX has a known history of purchasing old, inaccurate debts and reporting them without validation. I demand investigation and deletion unless you can provide absolute proof of ownership, original creditor documents, and my signed agreement. Continued reporting of unverifiable debt violates FCRA 611 and 623 ( b ) ( 1 ).

Each of these accounts and addresses has been disputed with the credit bureaus, but they have failed to conduct a proper reinvestigation or provide documentation as required under FCRA 611 ( a ). They are simply verifying data electronically without evidence or consumer consent. This continued negligence is causing severe harm to my credit standing and peace of mind.

I am requesting that the CFPB immediately investigate these violations and hold the credit bureaus and creditors accountable for failing to comply with the FCRA and FDCPA. I also request that the CFPB order all bureaus to remove these unverifiable, inaccurate accounts and incorrect addresses from my credit file permanently. 
I am providing my supporting documentation, identification, and previous dispute correspondence as evidence of my ongoing efforts to correct my report. Please take this complaint seriously and ensure my consumer rights are fully protected under federal law.

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