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 Officer, I am filing this formal complaint against several furnishers and data providers for reporting inaccurate, duplicate, and unauthorized information on my credit file. These accounts and inquiries are being reported to XXXX or more credit bureaus ( Equifax, Experian, and TransUnion ) in clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). The reporting of these accounts has caused me significant financial and emotional harm, including credit denial, higher interest rates, and reputational damage. 
The listed items below are either ( XXXX ) not mine, ( XXXX ) unverifiable, ( XXXX ) duplicated, or ( XXXX ) reported without permissible purpose or authorization. 
XXXX XXXX  XXXX, TX XXXX WRONG ADDRESS This address is being reported inaccurately. I have never resided or received mail at this location. Reporting of any address that does not belong to me creates confusion and misrepresentation of my personal identity and violates FCRA 607 ( b ) regarding accuracy and integrity of consumer information. I request its immediate removal from my credit report. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$470.00} CHARGE OFF * * I have no recollection or knowledge of this account or any relationship with this creditor. No documentation or signed contract has ever been provided to validate this alleged debt. Reporting a charge-off without valid verification is inaccurate and violates FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ). I request complete deletion of this account as it is unverifiable and damaging my credit reputation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$55.00} CHARGE OFF * * This account is reported as a charge-off, yet I never opened or authorized any account with this company. This could be the result of identity confusion or reporting error. Under FCRA 605B, any unverifiable or fraudulent information must be blocked from reporting. I demand immediate deletion unless proof of authorization and signed agreement is provided. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} CHARGE OFF * * This account is reported inaccurately. I have no knowledge of this alleged debt. Under FDCPA 809, a debt collector must provide validation before any collection activity or reporting. Since this was not done, this entry is legally noncompliant and must be removed from my file. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} LATE PAYMENT * * I dispute the reported late payment. I have always maintained timely payments and have no delinquency record with this creditor. Reporting otherwise is false, misleading, and violates FCRA 607 ( b ). Please correct the account to reflect positive payment history. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} LATE PAYMENT * * The same issue applies here ; the reported late payment is incorrect. I demand reinvestigation under FCRA 611 ( a ) ( 1 ) and correction to show a perfect payment record. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} LATE PAYMENT * * This account is being inaccurately reported. I never made any late payment. Under FCRA 607 ( a ) you must ensure all data reported is accurate. Please correct this account to show Pays as agreed. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} CHARGE OFF * * I have no knowledge of this account, nor have I ever received notice or billing related to this company. Reporting this as a charge-off is a violation of FCRA 623 ( b ) as no verification has been conducted. I request its immediate deletion. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$950.00} COLLECTION I have no record or acknowledgment of any account with XXXX XXXX XXXX. This is an unverified and possibly fraudulent entry. No original contract, billing history, or proof of ownership has been provided. Under FDCPA 809 ( b ) and FCRA 611 ( a ), all unverifiable debts must be deleted. I demand immediate removal of this item from my credit file. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$970.00} COLLECTION * * I have never had any account with this entity. Reporting an unverified collection is a clear violation of both FCRA 605B and FDCPA 807 for misrepresentation of debt. Since there is no signed agreement or validated proof of ownership, this entry must be deleted from all credit bureaus immediately. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$430.00} COLLECTION * * This account is reported as a collection, yet there has been no verification of its legitimacy. This reporting is inaccurate, misleading, and damages my financial integrity. Under FCRA 607 ( a ), credit bureaus must ensure all information is accurate and verified. I request permanent deletion of this item. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} COLLECTION * * This is a duplicate of the same XXXX collection already listed above, which constitutes double reporting. Duplicate accounts for the same alleged debt violate FCRA 605B and CFPB XXXX XXXX I demand immediate removal of the duplicate entry and confirmation in writing. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} COLLECTION * * I dispute this account in its entirety. I have never authorized or acknowledged this company. No verification, billing statement, or contract exists. Under FDCPA 807 ( 8 ) and FCRA 611 ( a ) ( 1 ), this collection must be deleted as unverifiable and inaccurate. 
Unauthorized XXXX Inquiries Listed Below Under FCRA 604 ( a ) ( 2 ) and 615, a XXXX  inquiry may only be made with the consumers express written authorization in connection with a credit transaction initiated by the consumer. I have not authorized any of the following inquiries, and their presence on my report represents a violation of my rights. These inquiries must be deleted immediately, as they negatively affect my XXXX XXXX and were performed without permissible purpose. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of the above inquiries was made without XXXX authorization or consent. I never applied for any credit with these institutions. Under FCRA 604 ( a ) ( 3 ) and 609 ( a ) ( 1 ), you must confirm the permissible purpose for each inquiry or remove it. Any unauthorized access to my credit report constitutes a violation of federal law and consumer privacy protection. 
Requested Action by CFPB : XXXX. Conduct a full investigation into these furnishers and credit reporting agencies for noncompliance with FCRA and FDCPA. 
XXXX. Require the immediate deletion of all unverifiable and duplicate collection accounts. 
XXXX. Require the removal of all unauthorized inquiries. 
XXXX. Enforce penalties for negligent or willful noncompliance under FCRA 616 and 617.

XXXX. Provide a written statement of resolution confirming the deletions. 
These errors have significantly harmed my credit standing and caused personal hardship. I trust that the CFPB will take swift action to enforce compliance and restore accuracy to my consumer report.

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