Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint to request an immediate and thorough investigation into multiple serious inaccuracies and violations appearing on my consumer credit reports maintained by the credit reporting agencies. The following items are reported incorrectly, and their presence has caused significant harm to my credit standing and financial opportunities. 

XXXX. Wrong Addresses Reported XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX This is not and has never been my residence. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX This address is also inaccurate and unrelated to me. 

These false addresses suggest potential data contamination or mixed file issues. Under FCRA 607 ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. The presence of unrelated addresses directly violates this section. 

XXXX. Inaccurate Account Information XXXX XXXX XXXX Reported late payments despite the account showing {$0.00} balance and being in good standing. 

XXXX XXXX XXXX Reported as Charge Off, even though the balance reflects {$0.00}, meaning no valid debt exists. 

XXXX XXXX XXXX Incorrectly reported as Charge Off with {$0.00} balance. 

XXXX XXXX XXXX Improperly reported as Charge Off with a remaining balance of {$1100.00}, though no valid delinquency occurred. 

These entries reflect incomplete or outdated information, violating FCRA 611 ( a ) ( 1 ) ( A ) ( duty to correct or delete inaccurate information ) and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers duty to provide accurate information ). Continuing to report false negative data after notice constitutes willful noncompliance under FCRA 616. 

XXXX. Collections and Accounts Not Authorized or Verified XXXX XXXX  XXXX Reported as a Collection ; I have no verified contract or notice from this entity. 

XXXX XXXX XXXX XXXXXXXX Reported as Collection without any prior validation or proof of ownership. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX All appear as Collection accounts with no validation, agreement, or authorization from me. 

These accounts are unverifiable and possibly re-aged, violating FCRA 605 ( a ) and FDCPA 809 ( b ) ( failure to validate debt upon dispute ). Reporting unverifiable collections after notification is a deceptive and unlawful practice.

4. Excessive and Unverified Hard Inquiries There are multiple unverified and unauthorized hard inquiries, all dated around XX/XX/year> and XX/XX/year>, including 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 XXXX XXXX XXXX These inquiries appear to have been made without my written consent or permissible purpose, in direct violation of FCRA 604 ( a ) ( 3 ).

Each unauthorized inquiry negatively affects my credit score and constitutes an invasion of my privacy.

Requested Action I respectfully demand that the CFPB : Conduct a full investigation into these accounts, addresses, and inquiries.

Require each data furnisher and bureau to provide documented proof of permissible purpose and account ownership, or immediately delete the items. Ensure all entities involved comply with FCRA 602A, 607 ( b ), 611 ( a ), and 623 ( a ). Impose corrective action or penalties where ongoing negligence or willful violations are found. Conclusion These reporting errors are causing me measurable harm including denied credit applications, emotional distress, and lowered credit standing. I have already dispute
d these with the bureaus directly, but they have failed to conduct reasonable investigations or correct the information as required by law.

I am requesting your urgent attention to enforce compliance under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Thank you for your assistance in ensuring my consumer rights are upheld.

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