Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies and violations found on my credit report that are seriously affecting my financial reputation and opportunities I demand a full reinvestigation under the FCRA as these errors are unjustified and were never verified or validated properly despite my previous efforts I am exercising my rights under the FCRA to dispute these items and holding all reporting parties accountable including the credit bureaus and furnishers I am requesting immediate deletion and correction where applicable. 
ADDRESS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX LAW : FCRA 602 ( A ), 607 ( b ) ISSUE : This address is inaccurate and does not belong to me STORY : I have never lived at or been associated with this address. Reporting this as my residence is incorrect and misleading. Please remove this unverifiable address from my credit profile immediately. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$250.00} Status : Chargeoff LAW : FCRA 609 ( a ), 611 ( a ), 623 ( b ) ISSUE : Account is inaccurate and unverifiable STORY : This account is showing as a chargeoff but I have no recollection or record of ever opening or defaulting on this account. I previously requested validation and have not received any supporting documents. Please delete this unverifiable item. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3.00} Status : Late Payment LAW : FCRA 609 ( a ), 611 ( a ), 623 ( b ) ISSUE : Late payment inaccurately reported STORY : This account shows a {$3.00} balance and a reported late payment which is unreasonable and unsubstantiated. I dispute the accuracy of this reporting and demand verification. Please remove this account if it can not be properly validated. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$260.00} Status : Collection LAW : FCRA 609 ( a ), 611 ( a ), 623 ( b ) ISSUE : Self-reported collection is unverifiable STORY : I never authorized this telecom account to be reported, and I have no knowledge of this alleged debt. I dispute the accuracy and validity. Please remove it if documentation can not be provided. 

ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed : {$26.00} Status : Collection LAW : FCRA 609 ( a ), 611 ( a ), 623 ( b ) ISSUE : Inaccurate collection reporting STORY : I do not recognize this account or owe this amount. The balance reported is trivial and suspicious. This debt is not mine and was never verified. Please delete immediately. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$45.00} Status : Collection LAW : FCRA 609 ( a ), 611 ( a ), 623 ( b ) ISSUE : Collection is incorrect and unverifiable STORY : I never consented to this account being opened or reported. No documentation has been provided to verify this. Delete it immediately. 

INQUIRY XXXX XXXX XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry made without permissible purpose STORY : I did not initiate any application with XXXX. This is an unauthorized inquiry and must be removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry made without permissible purpose STORY : I never authorized this company to access my credit. Please remove this. 

INQUIRY XXXX XXXX XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry not authorized by me STORY : I did not give permission for this credit pull. Please remove it. 
INQUIRY XXXX XXXX XXXX XXXX  LAW : FCRA 604 ( a ) ( XXXX ) ISSUE : Unpermitted access to my credit STORY : I have no account or application with them. Remove this inquiry. 

INQUIRY XXXX XXXX XXXX  LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry pulled without my knowledge STORY : I dispute this inquiry as unauthorized. Remove immediately. 

INQUIRY XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry done without authorization STORY : I do not recognize or authorize this inquiry. Please delete it. 

INQUIRY XXXX XXXX XXXX XXXX  LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Unapproved credit pull STORY : This inquiry is unauthorized. I did not apply with them. 

INQUIRY XXXX XXXX XXXX XXXX XXXX  LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry without consent STORY : I have not done business with them. Remove this. 

INQUIRY XXXX XXXX XXXX  LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Improper credit inquiry STORY : I did not authorize any credit activity with them. Delete it. 

INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry was not approved STORY : I never gave this company permission to pull my credit. Remove it. 

INQUIRY XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry not authorized STORY : I never requested credit from them. This is unauthorized. 

INQUIRY XXXX XXXX XXXX  LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Credit access without permission STORY : I dispute this inquiry as unauthorized. Please remove. 

INQUIRY XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry not authorized STORY : I did not request auto financing from them. Remove this. 

INQUIRY XXXX XXXX XXXX XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry made without consent STORY : This pull is unauthorized. Please delete it. 

INQUIRY XXXX XXXX XXXX  LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry unauthorized STORY : I never rented or applied through this company. Delete it. 

INQUIRY XXXX XXXX XXXX XXXX  LAW : FCRA 604 ( a ) ( 3 ) ISSUE : No permissible purpose STORY : I never applied for credit here. Please remove. 

INQUIRY XXXX XXXX XXXX XX/XX/XXXX LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry not authorized STORY : I did not request financing from this company. Remove it. 

INQUIRY XXXX XXXX XXXX  LAW : FCRA 604 ( a ) ( 3 ) ISSUE : Inquiry is not permitted STORY : I never gave consent for this company to pull my credit. 

I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report continues to reflect inaccurate and unverifiable information despite my rights under federal law These errors are damaging my credit and preventing me from securing housing and financial opportunities I am requesting an immediate and complete investigation by the CFPB and demand that all unverifiable inaccurate and unauthorized items listed above be removed from my credit report promptly under my rights in the FCRA.

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