Consumer complaint received 2025-10-17 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'Dear CFPB,\nI am submitting this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized items reported on my credit report, which have caused significant financial harm including denial of credit and other opportunities. These items violate my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq. I request CFPBs intervention to ensure immediate investigation, correction, or removal of these items\nXXXX XXXX XXXX XXXX TX XXXX   This address is not associated with me in any capacity and its inclusion on my credit file is false and misleading under FCRA Section 609(a)(1) requiring verification of all reported information\XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX   This is not my residence. Reporting this address falsely associates me with liabilities I have never incurred and may constitute identity misrepresentation\XXXX XXXX Date Opened XXXX Balance Owed XXXX  Reported as Late Payment. I dispute this reporting. I have never made a late payment on this account. FCRA Section 611(a)(1)(A) requires that unverifiable or inaccurate reporting be corrected. I request correction of the accounts status to reflect timely payments\XXXX XXXX Date Opened XXXX Balance Owed XXXX   Reported as Late Payment. I have no record of late payments on this account and dispute the accuracy of this reporting. Please investigate and correct\XXXX XXXX  Date Opened XXXX Balance Owed XXXX  Reported as Late Payment. I dispute this status as inaccurate and unverifiable. Immediate correction is required under FCRA 611\nXXXX XXXX XXXX Date Opened 09/05/2019 Balance Owed XXXX  Reported as Charge Off. I have no knowledge of this account and have never authorized its reporting. Under FCRA Section 609, any unverifiable debt must be removed. I demand complete deletion of this entry from my file\XXXX  XXXX Date Opened XXXX  Balance Owed XXXX  Reported as Late Payment. I have never missed any payments on this account and dispute this reporting. FCRA 611 mandates immediate correction\XXXX XXXX Date Opened XXXX  Balance Owed XXXX  Late Payment reporting is inaccurate and must be corrected\XXXX XXXX Date Opened XXXX Balance Owed XXXX   Reported Late Payment. This information is false; correction required\XXXX  XXXX Date Opened XXXX Balance Owed XXXX  Late Payment reporting is false and unverifiable; correction demanded\nXXXX XXXX Date Opened XXXX Balance Owed XXXX  Reported as Charge Off. I have never incurred this debt. FCRA 609 requires deletion of unverifiable accounts. I demand immediate removal\XXXX XXXX XXXX XXXX  Date Opened XXXX Balance Owed XXXX  Reported as Collection. I dispute the validity and ownership of this debt and request complete removal under FCRA 611\nXXXX XXXX XXXX XXXX Date Opened XXXX Balance Owed XXXX  Reported as Collection. I have no knowledge of this account and have never authorized this debt. Under FCRA Section 609, any unverifiable or fraudulent debt must be removed immediately\XXXX XXXX XXXX XXXX  Date Opened XXXX Balance Owed XXXX  Reported as Collection. I dispute the validity and ownership of this account. Immediate deletion is required under FCRA 611\XXXX XXXX XXXX Date Opened XXXX Balance Owed XXXX  Reported as Collection. I dispute the validity of this debt as I have no association with it. Immediate removal is required under FCRA 611\XXXX XXXX XXXX  Date Opened XXXX Balance Owed XXXX  Reported as Collection. I have no knowledge of this account. Reporting of unverifiable information violates FCRA 611 and must be corrected immediately\XXXX XXXX Date Opened XXXX Balance Owed XXXX  Reported as Collection. I dispute this account and request immediate deletion as I have no association with this debt\XXXX XXXX  Date Opened XXXX Balance Owed XXXX  Reported as Collection. I dispute this account and demand deletion due to unverifiable reporting\nTSI/940 827628** Date Opened XXXX Balance Owed XXXX   Reported as Collection. I have never incurred this debt. FCRA mandates removal of unverifiable accounts; immediate correction is requested\XXXX  XXXX XXXX XXXX  Inquiry reported without my authorization. I dispute this and request deletion under FCRA XXXX\XXXX XXXX XXXX XXXX  Unauthorized hard inquiry. Please remove as it was not initiated or approved by me\XXXX XXXX XXXX XXXX XXXX  Inquiry is inaccurate and unauthorized. Immediate removal requested\XXXX XXXX  Inquiry is not authorized; please remove immediately\nThe repeated reporting of inaccurate addresses, unverifiable late payments, charge-offs, collections, and unauthorized inquiries is causing substantial harm including denial of credit and other financial opportunities. These violations contravene FCRA Sections 602, 607(b), 608(a), 609, and 611. I request the CFPB to ensure all items are investigated, corrected, or deleted as appropriate and provide me with written confirmation of action taken'

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