Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Statement Dispute of Inaccurate, Incomplete, and Unauthorized Information Under the FCRA I am filing this complaint because credit reporting agencies are reporting inaccurate, incomplete, and unauthorized information on my consumer credit file. I submitted formal disputes requesting verification under FCRA 15 U.S.C. 1681i, which requires a reasonable investigation and disclosure of verification procedures. No competent evidence has been provided for the disputed items listed below. 
The continued reporting of these items violates multiple federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). These entries are harming my creditworthiness and creating financial damage.

1. DISPUTED CHARGE-OFF ACCOUNTS I am disputing the following charge-off accounts because they remain unverified, inaccurate, and incomplete. Under 15 U.S.C. 1681s-2, furnishers must ensure maximum possible accuracy. These accounts fail to meet that standard. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No clear disclosures were provided. 
No lawful verification produced. 
Requested Action : DELETE from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No competent evidence supporting this reporting. 
Incomplete and unverifiable. 
Requested Action : DELETE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No proof of permissible purpose or accuracy provided. 
Requested Action : DELETE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Duplicate/inconsistent reporting. 
Fails the maximum possible accuracy requirement under 1681e ( b ). 
Requested Action : DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No written agreement or verification provided. 
Requested Action : DELETE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX procedures not provided as required by 1681i. 
Requested Action : DELETE. 
2. DISPUTED COLLECTION ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never signed, authorized, or entered into any agreement with this company. 
No original contract or validation was provided. Reporting this account violates : FCRA 1681e ( b ) Maximum possible accuracy FCRA 1681b ( 2 ) No permissible purpose GLBA 6802 Financial privacy protections 1681s-2 Inaccurate/unverified reporting Requested Action : DELETE this collection account immediately and cease all unauthorized reporting.

3. DISPUTED UNAUTHORIZED INQUIRIES These inquiries were made without my authorization or any permissible purpose under FCRA 1681b. I did not apply for credit with these companies. 
XXXX  Date : XXXX No authorization granted. 
No permissible purpose. 
Requested Action : DELETE this inquiry. 
XXXX / XXXX XXXX Date : XXXX Unauthorized access to my credit file. 
Violates FCRA and GLBA privacy protections. 
Requested Action : DELETE this inquiry. 
Unauthorized access to personal credit information may also constitute misuse under 18 U.S.C. 1028A. 
SUMMARY OF VIOLATIONS The items above violate the following federal laws : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 Reporting inaccurate or unverifiable information 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681b ( 2 ) No permissible purpose 15 U.S.C. 6802 ( GLBA ) Violation of financial privacy 18 U.S.C. 1028A Potential misuse of personal information I am requesting the CFPBs assistance to : Require full verification procedures for each disputed item. 
Delete all inaccurate, unverifiable, unauthorized, or illegally reported information. 
Provide a corrected copy of my credit report. 
Ensure compliance with federal consumer protection laws. 
This unresolved reporting has caused ongoing financial harm and must be corrected immediately.

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