Consumer complaint received 2025-11-06 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 writing to file a formal complaint regarding multiple inaccurate and unverified accounts being reported on my credit reports by several furnishers and credit bureaus. These accounts are damaging my credit profile and do not accurately reflect my credit history. Despite my previous attempts to dispute these items directly with the credit bureaus and furnishers, the issues remain unresolved. 

Below are the accounts in question : Charge-Off Accounts ( I have no knowledge of these accounts and request deletion ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$920.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$460.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$2300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX High Balance : {$16000.00} Date Opened : XX/XX/XXXXXXXX XXXX ( XXXX ) High Balance : {$1500.00} Date Opened : XX/XX/XXXX I have no knowledge of these accounts and have never entered into any agreement or received any communication from these companies. These charge-off entries are inaccurate, unverified, and appear to be reported in error. Under FCRA 602 ( A ), 607 ( B ), and 611, credit bureaus and furnishers must ensure maximum possible accuracy of the information they report. Since these accounts can not be verified as mine, I am demanding their immediate deletion from all credit reports. 

Late Payment Accounts ( the reporting history is inaccurate and must be corrected ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$530.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$3000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$5200.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$7600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$8700.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$25000.00} Date Opened : XX/XX/XXXX These accounts have been incorrectly reported with late payments, which is false and misleading. I have never made any late payments to these creditors. This inaccurate reporting violates the accuracy and fairness requirements outlined in FCRA 623 ( A ) ( 1 ) ( A ). I am requesting that these furnishers immediately correct the payment history to reflect all payments as on-time. 

Collection Account ( I have no knowledge of this account and request deletion ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$920.00} Date Opened : XX/XX/XXXX I have no record or knowledge of ever opening an account or owing a balance to this company. The inclusion of this unverified collection account violates FCRA 609 and 611, as the furnisher has failed to provide any documentation to prove its validity. I am requesting complete deletion of this collection account from all credit reports. 

Unfamiliar Credit Inquiries ( potential unauthorized access ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries appear without my authorization or knowledge. I request that these inquiries be removed and investigated for potential unauthorized credit pulls in violation of FCRA 604 ( a ) ( 3 ).

Requested Action : I am requesting that the CFPB conduct a thorough investigation into these inaccurate and unverified reports. I am demanding that all unverified or incorrect entries be immediately removed or corrected as required under the Fair Credit Reporting Act. 

I am attaching a copy of my ID, recent credit report, and supporting dispute documentation for your review. 

Thank you for your time and assistance. I expect a full investigation and written response confirming compliance with 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