Consumer complaint received 2025-12-16 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:
I am submitting this complaint to report continued inaccurate and unauthorized credit reporting that has not been resolved despite prior disputes. The credit reporting agencies and furnishers listed below have failed to ensure maximum possible accuracy as required under the Fair Credit Reporting Act, 15 U.S.C. 1681, 1681b, and 1681i. These items remain on my credit report after dispute and reinvestigation attempts, indicating non-compliance with XXXX  law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX reported on my credit file is not my address. I have no knowledge of this address and have never resided there. This address is inaccurate and must be deleted from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX reported on my credit file is not my address. I have no knowledge of this address and have never lived at this location. This incorrect address must be removed from my credit file. 
XXXX XXXX account number XXXXXXXX XXXX XXXX with a reported date opened of XX/XX/XXXX is inaccurately showing late payment history. I have never made a late payment on this account. The payment history is incorrect and does not reflect my actual account performance. I am disputing the inaccurate late payment reporting only and request that the payment history be corrected to accurately reflect on-time payments. 
XXXX account number XXXXXXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is being reported as a charge-off. I have no knowledge of this account and do not recognize it as mine. This account has not been properly verified and must be deleted unless you can provide complete and accurate verification as required by the FCRA. 
XXXX account number XXXXXXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is being reported as a charge-off. I have no knowledge of this account and it is not mine. If you can not provide full contractual verification, this account must be removed from my credit file. 
XXXX  account number XXXXXXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is inaccurately reporting late payments. I have never been late on this account. The payment history is inaccurate and must be corrected to reflect accurate and timely payments. 
XXXX XXXX account number XXXXXXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is listed as a charge-off. I have no knowledge of this account and do not recognize it. This account is unverified and must be deleted unless proper verification is produced. 
XXXXXXXX  account number XXXXXXXX XXXX XXXX with a reported date opened of XX/XX/XXXX is reported as a charge-off. I have no knowledge of this account and it does not belong to me. This account is being disputed as not mine and must be removed if it can not be fully verified. 
XXXX XXXX account number XXXXXXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is inaccurately showing late payment history. I have never made a late payment on this account. The reporting is incorrect and I am requesting correction of the payment history only. 
XXXX  XXXX account number XXXXXXXX XXXX XXXX with a reported date opened of XX/XX/XXXX is being reported as a charge-off. I have no knowledge of this account and do not recognize it as mine. This account has not been properly verified and must be deleted unless full and accurate verification is provided in compliance with the FCRA. 
XXXX  XXXX account number XXXXXXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is reported as a charge-off. I have no knowledge of this account and it does not belong to me. This item is inaccurate and must be removed unless complete verification can be produced. 
XXXX  XXXX account number XXXXXXXX XXXX XXXX  with a reported date opened of XX/XX/XXXX is being reported as a charge-off. I do not recognize this account and have no knowledge of it. This account is unverified and must be deleted if proper documentation can not be provided. 
XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX with a reported date opened of XX/XX/XXXX is being reported as a collection account. I have no knowledge of this account and do not recognize it as mine. This account is not properly verified and must be deleted unless full verification is provided. 
XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX with a reported date opened of XX/XX/XXXX is being reported as a collection account. I have no knowledge of this account and do not recognize it. This account is inaccurate and must be removed unless legally sufficient verification is provided. 
XXXX XXXX inquiry dated XX/XX/XXXX was not authorized by me. I did not apply for credit with this company and no permissible purpose exists under the FCRA. This inquiry must be removed from my credit report. 
XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX was not authorized by me. I did not request credit and this inquiry lacks permissible purpose. Immediate deletion is requested. 
XXXX XXXX duplicate inquiry dated XX/XX/XXXX is also unauthorized and inaccurate. Duplicate and unauthorized inquiries must be deleted. 
XXXX XXXX XXXXXXXX dated XX/XX/XXXX is also unauthorized and must be removed from my credit file. 
XXXX XXXX  inquiry dated XX/XX/XXXX is a duplicate unauthorized inquiry and must be removed. 
XXXX XXXX XXXX XXXX dated XX/XX/XXXX was not authorized by me. I did not initiate any application. This inquiry must be deleted. 
XXXX inquiry XXXX XX/XX/XXXX was not authorized by me and must be removed for lack of permissible purpose. 
XXXX XXXXT inquiry dated XX/XX/XXXX was not authorized by me. No permissible purpose exists. Deletion is requested. 
XXXX XXXX XXXX XXXX  inquiry dated XX/XX/XXXX was not authorized by me and must be removed. 
The continued reporting of these collection accounts and inquiries without proper verification or permissible purpose demonstrates a failure to comply with the Fair Credit Reporting Act. I am requesting that CFPB require the credit reporting agencies and furnishers involved to correct or delete these items immediately and provide written confirmation of compliance.

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