Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
I am filing this formal complaint against several creditors and data furnishers reporting inaccurate and unverified information to the credit reporting agencies. These accounts are damaging my credit profile and reputation. Despite my previous efforts to dispute and verify these accounts directly with the credit bureaus, the information remains uncorrected and unsubstantiated. 

Below are the specific accounts in question : Charge-Off Accounts ( No Knowledge of These Accounts ) 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  High Balance : {$63000.00} | Date Opened : XX/XX/XXXX These charge-off accounts are being reported inaccurately. I have no knowledge or record of ever opening or authorizing these accounts. I have not received any documentation proving their legitimacy or any signed agreement connecting me to them. Under the Fair Credit Reporting Act ( FCRA ) 611 and 623, furnishers are required to report only accurate and verifiable information. I am demanding complete deletion of these unverifiable and fraudulent accounts from my credit file. 

Collection Accounts ( No Knowledge of These Accounts ) : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have no knowledge of these collection accounts, nor have I received any validation notices or original account documentation as required under the Fair Debt Collection Practices Act ( FDCPA ) 809. These entries appear to be unauthorized, unverified, and possibly the result of identity confusion or reporting error. I am requesting the immediate removal of these accounts from my credit reports and a full investigation into how these debt collectors obtained and reported this data. 

Late Payment Accounts ( Inaccurate Payment History ) : 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 XX/XX/XXXX These accounts are reporting incorrect late payments that never occurred. I have always made timely payments, and these delinquencies are false. Under FCRA 607 ( b ), data furnishers must ensure the maximum possible accuracy of the information reported. I demand these late payment notations be corrected immediately to reflect a perfect payment history. 

Inquiries ( Unauthorized ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX5 I did not authorize these hard inquiries, and they are clear violations of FCRA 604 ( a ). They must be removed immediately, as they were conducted without my written consent or permissible purpose. 

I request that the CFPB conduct a thorough investigation into these inaccurate, unverifiable, and unauthorized items. I further request that these furnishers and credit bureaus be compelled to provide documented proof validating each account or delete them entirely from all consumer reporting agencies. 

I am attaching supporting documents, including copies of my ID, proof of address, and screenshots of the disputed accounts, for your reference. 

Please confirm receipt of this complaint and provide updates on the status of the investigation as soon as possible. 

Thank you for your prompt attention to this matter.

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