Consumer complaint received 2025-07-31 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:
b"I am submitting this formal complaint to the Consumer Financial Protection Bureau (CFPB) due to multiple inaccurate and damaging items being reported by the credit bureaus. Despite previous disputes and reinvestigation requests, these accounts, addresses, and inquiries remain unresolved and unverified. I am requesting that the CFPB take immediate action to investigate, enforce accountability, and ensure deletion and correction of these accounts, as they are either inaccurate, outdated, unverifiable, or the result of misreporting. These errors are causing serious harm to my creditworthiness, financial opportunities, and violate my consumer protection rights under federal law.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\nLaw: FCRA 607(b), 611\nIssue: This address is being inaccurately reported on my credit file\nStory: I have never lived at or been affiliated with this address. Its presence is erroneous, and I request immediate deletion as it is unverifiable and damaging\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\nLaw: FCRA 607(b), 611\nIssue: Incorrect address linked to my file\nStory: I have no connection to this address. I suspect this may be identity confusion. Please delete this unverifiable data immediately\nXXXX XXXX Date Opened: XXXX Balance: XXXX  Late Payment**\nLaw: FCRA 609(a), 611, 607(b)\nIssue: Late payment inaccurately reported without proper validation\nStory: I never received any valid notice of delinquency. The late payment is being inaccurately reported and must be investigated or removed if not fully validated\nXXXX XXXX Date Opened: XXXX Balance: XXXX  Late Payment**\nLaw: FCRA 611, 607(b)\nIssue: Inaccurate late payment reporting\nStory: This payment was not late. I challenge the accuracy of this data, and unless it can be verified, it must be removed under federal law\nXXXX XXXX XXXX XXXX Date Opened: XXXX Balance: XXXX  Late Payment**\nLaw: FCRA 611, 607(b)\nIssue: Incorrect late payment reported\nStory: This negative mark appeared without proper notice or justification. I dispute this entry and request proof of accuracy or immediate deletion\nXXXX XXXX XXXX Date Opened: XXXX Balance: XXXX  Charge Off**\nLaw: FCRA 611, 609(c), 607(b)\nIssue: Charge-off with no balance is misleading\nStory: I never authorized this account. No balance exists, yet it's reported negatively. Please investigate and delete due to unverifiability\nXXXX XXXX XXXX Date Opened: XXXX Balance: XXXX  Charge Off**\nLaw: FCRA 607(b), 611\nIssue: Misleading charge-off status on an unverified account\nStory: I have no knowledge of this account. It was not opened by me and must be deleted if original contract and documentation cannot be provided\nXXXX XXXX XXXX  Date Opened: XXXX Balance: XXXX  Collection**\nLaw: FDCPA 809, FCRA 611\nIssue: Collection account never validated\nStory: I never received notice or a right to dispute. As required by law, this item must be removed unless the collector provides full validation\nXXXX Account #: XXXX Date Opened: XXXX Balance: XXXX   Charge Off**\nLaw: FCRA 611, 607(b)\nIssue: Contradictory reporting with XXXX  balance but negative status\nStory: I never defaulted on this account, and there is no justification for this charge-off. I dispute this entry and demand deletion for lack of verification\nXXXX Account #: XXXX Date Opened: XXXX Balance: XXXX  Charge Off**\nLaw: FCRA 611, FDCPA 809\nIssue: Charge-off status not supported with documentation\nStory: I do not recall or recognize this account. There has been no proper communication or proof. I request deletion under FCRA guidelines\nXXXX Account #: XXXX Date Opened: XXXX Balance: XXXX  Charge Off**\nLaw: FCRA 611, 607(b)\nIssue: Account appears with derogatory status despite XXXX balance\nStory: This is likely an error or outdated report. The charge-off cannot be justified with XXXX  balance. Please remove this from my file\nXXXX XXXX  Account #XXXX XXXXXXXX  Date Opened: XXXX Balance: XXXX  Charge Off**\nLaw: FCRA 611, 609\nIssue: Negative account not validated\nStory: I was not notified or given an opportunity to dispute this account. I request deletion unless proper verification from original creditor is provided\nXXXX Account #: XXXX  Date Opened: XXXXXXXX Balance: XXXX  Charge Off**\nLaw: FCRA 611, FDCPA 809\nIssue: Unverified charge-off reported\nStory: I do not acknowledge this debt and have never received any legal notice or documents. This item must be deleted for lack of validation\nXXXX XXXX XXXX  Account #: XXXX Date Opened: XXXX Balance: XXXX  Charge Off**\nLaw: FDCPA 809, FCRA 611\nIssue: Invalid collection listing\nStory: I never received any written communication about this debt or my rights under FDCPA. Please investigate and remove for failure to notify\XXXX  Account #: XXXX Date Opened: XXXX Balance: XXXX   Charge Off**\nLaw: FCRA 611, 607(b)\nIssue: Charge-off despite XXXX  balance\nStory: This account is improperly listed as derogatory. No amount is owed, and I demand full verification or deletion\nXXXX XXXX Account #: XXXX Date Opened: XXXX Balance: XXXX  Collection**\nLaw: FDCPA 809, FCRA 611\nIssue: Collection item not validated\nStory: I have not been properly notified or validated on this debt by XXXX XXXX. Please remove for failure to comply with legal requirements\nXXXX XXXX XXXX  Account #: XXXX Date Opened: XXXX Balance: XXXX  Collection**\nLaw: FDCPA 809(b), FCRA 607(b)\nIssue: Collection agency failed to provide validation\nStory: I do not accept this debt. The agency never sent a validation letter, which violates federal law. This should be deleted immediately\nXXXX  Account #: XXXX Date Opened: XXXX Balance: XXXX   Charge Off**\nLaw: FCRA 611, 607(b)\nIssue: Unverified charge-off\nStory: This account was not properly disclosed to me, and I contest its accuracy. Please remove it if original evidence cannot be provided\nXXXX XXXX  Account #: XXXX Date Opened: XXXX Balance: XXXX  Charge Off**\nLaw: FCRA 609(a), 611\nIssue: Charge-off listed without verification\nStory: I was unaware of any delinquency and never given the chance to resolve. I dispute this data and request full reinvestigation\nXXXX Account #: XXXX Date Opened: XXXX  Balance: XXXX  Charge Off**\nLaw: FCRA 607(b), 611\nIssue: Negative entry with XXXX  balance\nStory: There is no justification for reporting this as a charge-off. It is misleading and harmful. Delete unless full documentation is shown\nXXXX XXXX  Account #: XXXX Date Opened: XXXX Balance: XXXX  Charge Off**\nLaw: FCRA 609(a), 611, FDCPA 809\nIssue: Charged-off account unvalidated\nStory: I have disputed this before and never received proper documentation or original agreement. I request this be deleted if not validated by XXXX XXXX\nEXPERIAN  INQUIRIES\nLaw: FCRA 604(a)(3), 609(a)(1)\nIssue: These hard inquiries were made without my written authorization or a permissible purpose under the law\nStory: I did not apply for credit with these companies, nor did I give consent to pull my credit report. These inquiries are unauthorized and are negatively affecting my credit score. Please remove them immediately.\nXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nI respectfully request the Consumer Financial Protection Bureau (CFPB) to fully investigate each of these items and ensure compliance with federal law. The credit reporting agencies and furnishers have not provided the proper documentation to support continued reporting of these entries. I demand that all unverifiable, inaccurate, outdated, and unauthorized information be permanently removed from my credit reports. These errors are significantly impacting my life, and I expect the CFPB to take immediate action and provide the results of this 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