Consumer complaint received 2026-06-11 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: NE

Complaint narrative:
I am submitting this complaint on my own and no third party is involved. After reviewing my credit reports from TransUnion, Experian, and Equifax, I discovered multiple inaccuracies, unverifiable accounts, and incorrect personal information being reported. The information reported across the XXXX credit bureaus is inconsistent and raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ), which requires maximum possible accuracy of information furnished to consumer reporting agencies. I am requesting a thorough investigation and correction or deletion of the following items : * * Incorrect Personal Information * * * Previous Address : XXXX XXXX XXXX XXXX, XXXX, IN XXXXXXXX XXXX Previous Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX Employer : XXXXXXXX XXXX Employer : XXXX XXXX These addresses and employment records are inaccurate and should be removed from my consumer file. * * Accounts Requiring Validation and Investigation * * I am requesting validation of the following accounts. If the furnishers can not provide competent evidence that these accounts belong to me and are being reported accurately, they should be deleted from my credit reports : * Unidentified Account ( No account number provided ) * Unidentified Account ( No account number provided ) * Unidentified Account ( No account number provided ) * * Collection Accounts Reported Without Proper Verification * * I dispute the reporting of the following collection accounts. I have concerns regarding the transfer, sale, and reporting of these accounts and request that the furnishers provide complete documentation demonstrating their legal authority to collect and report the debts, including proof of assignment, chain of ownership, and account-level documentation. If such documentation can not be provided, the accounts should be removed : XXXX XXXXXXXX XXXX XXXX Account ending in XXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXXXXXX XXXX Account ending in XXXXXXXX XXXX XXXX Charge-Off Account Reporting Inaccuracy * * I dispute the balance and reporting accuracy of the following charge-off account : XXXX XXXXXXXX XXXX XXXX Account ending in XXXX The balance being reported appears inaccurate. Under the FCRA, information reported to consumer reporting agencies must be complete and accurate. I request that this account be investigated and removed if the furnisher can not verify the reported information. I request that the credit reporting agencies and furnishers conduct a reasonable investigation of all disputed items and either provide documentation supporting the accuracy of the information or delete the items from my credit reports. Please provide me with the results of your investigation, including any documentation relied upon in verifying these accounts and personal information.

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