Consumer complaint received 2025-05-24 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'I am writing to file a formal complaint against Experian, Equifax, TransUnion, and several furnishers of credit information, based on serious and repeated violations of the Fair Credit Reporting Act (15 U.S.C. 1681) and the Fair Debt Collection Practices Act (15 U.S.C. 1692). Despite submitting multiple disputes, my credit report continues to include incorrect addresses, duplicative and unvalidated charge-offs, misleading collections, and unauthorized inquiriesmany of which I detail below.\n\nThe first red flag came when I noticed several addresses that have no connection to me or my history:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese addresses are not mine and suggest either identity confusion or mixed files, violating FCRA 1681e(b), which mandates accuracy in consumer reporting.\n\nThen came the realization that numerous accounts are reporting inaccurately or have never been validated. Some examples:XXXX XXXX XXXXXXXXCharge-off with high balance XXXX  opened XXXX No validation received.XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX. Disputed with no verification provided.XXXX XXXX XXXXAppears twice with different open dates XXXX XXXX XXXX, balances oXXXX XXXX XXXX XXXXIssue: Duplicated tradeline in violation of FCRA 1681e(b)XXXX XXXX XXXXnLate payment on XXXX account, opened XXXX Still incorrect after dispute.\XXXX XXXX XXXX XXXX XXXXLate payment on XXXX  account, opened XXXX. Status remains unverifiedXXXX XXXX XXXX XXXX XXXX XXXXnReported as late payment and charge-off for XXXX XXXX XXXX respectively.\nIssue: Duplicate reporting across account numbers.XXXX XXXX\nLate payment on XXXX account, opened XXXX Disputed, unresolved.XXXX XXXX XXXX XXXXnCharge-off foXXXX XXXX, opened XXXX No notice or validation provided.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No substantiation after disputeXXXX XXXX XXXX XXXX XXXX, opened XXXX. Unverified.\n\nThen thereXXXX XXXX XXXX which has flooded my report with 17 separate charge-off entries, each for small balances and closely grouped dates: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*  No validation, no supporting data.\n\nIssue: These entries are duplicative, misleading, and were never validated in response to dispute. They severely damage my credit standing and violate FCRA 1681e(b), 1681i, and FDCPA 1692gXXXX 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 XXXXThese debts have not been validated and some are even dated in the future, which raises serious questions about the integrity of the data. They violate both FCRA 1681s-2(b) and FDCPA 1692g.\n\nFinally, I must call attention to the following unauthorized or questionable inquiries:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries were not authorized by me and are in clear violation of FCRA 1681b, which restricts credit pulls to those with a legally permissible purpose.\n\nThis experience has caused me considerable stress, denied me access to credit, and distorted my financial record. I have attempted to resolve these issues through direct disputes, yet the credit bureaus and furnishers have failed to comply with the reinvestigation and deletion requirements laid out in FCRA 1681i and 1681s.\n\nI am respectfully requesting the CFPBs intervention. Please require the credit bureaus and furnishers to remove the inaccurate, unverifiable, and unauthorized items outlined in this letter, and to take compliance action under FCRA 1681n and 1681o where appropriate.'

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