Consumer complaint received 2025-10-16 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, I am submitting this formal complaint regarding multiple inaccurate, unverified, and unauthorized entries on my credit report that have caused severe harm to my credit reputation and emotional well-being. I am requesting the CFPBs immediate investigation and enforcement under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires all credit reporting agencies and furnishers to ensure maximum possible accuracy of the information they report.

The items listed below are either false, unverifiable, or unauthorized, and I demand correction or deletion : Wrong Addresses XXXX XXXX XXXX, TX XXXX I have never lived at this address. Its presence on my report is completely false. Including this incorrect address creates a misleading residency history that could mislead creditors into assuming fraudulent activity. 

XXXXXXXX XXXX XXXXXXXX, TX XXXX This address is not associated with me in any way. Its reporting is erroneous, and it is causing confusion when I apply for credit. 

XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} I have no knowledge or record of this account. Reporting it as a charge-off is completely inaccurate. It is unfairly damaging my credit, and I request deletion since I never authorized or opened this account. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} This account is reported without my knowledge or consent. I dispute its legitimacy entirely. The presence of this charge-off falsely suggests financial irresponsibility. 

XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$75.00} I have no association with this account. Its reporting as a charge-off is completely unverified and inaccurate. This false entry is negatively impacting my credit reputation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$630.00} I was never informed of this alleged debt. I dispute the account in full. Its reporting is a violation of FCRA 1681i, as it has not been verified and is creating undue financial and emotional stress. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$750.00} This collection is not mine. I have no knowledge of any account with this company. Including it on my credit report falsely portrays me as delinquent and affects my financial opportunities. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$380.00} This account is inaccurate. I never received any bill or notice from this company. Reporting it as a collection is misleading, and I request deletion. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$2500.00} * * I have never been contacted about this account, nor do I have any record of opening it. Reporting it as a collection falsely portrays me as delinquent and harms my creditworthiness. I dispute this entry entirely and request deletion. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$860.00} * * I dispute this collection in full. I have never received notice or validation of this debt, making its reporting unverifiable and unfairly damaging. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$8600.00} * * I have no association with this account. Its inclusion as a collection is completely inaccurate and is negatively impacting my financial reputation. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$370.00} * * This entry is false. I never authorized or acknowledged this debt, and its presence on my credit report is misleading and harmful. 
XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$2000.00} * * I have never been involved with this account, nor have I received notice of any debt. Its reporting is inaccurate and damaging. 
Hard Inquiries SXXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my consent. It is unauthorized and must be removed immediately.

These inaccurate and unauthorized items have damaged my credit score, reputation, and emotional well-being. They have caused me to face credit denials and financial embarrassment. The FCRA clearly mandates accuracy, fairness, and full verification of reported data, which has not been upheld in my case.

Therefore, I respectfully request that the CFPB conduct a full investigation into these entities, hold them accountable for negligent and unauthorized reporting, and ensure that all inaccurate and unverifiable information is deleted from my credit report immediately.

Please provide me with written confirmation of receipt of this complaint and periodic updates regarding the progress and outcome of your investigation.

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