Consumer complaint received 2026-03-05 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: CA

Complaint narrative:
I am filing this complaint to report inaccurate and unverifiable information currently appearing on my consumer credit report. I have no knowledge of the accounts and address listed below, and their presence is causing serious damage to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and data furnishers are required to ensure that all reported information is accurate and verifiable. Because these items do not belong to me and have not been properly validated, I am requesting their immediate removal. Regarding the address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Reported XX/XX/XXXX ), I have no knowledge of this address and it does not belong to me. The presence of incorrect identifying information in my credit file raises serious concerns regarding the accuracy and integrity of the information being reported. Under 15 U.S.C. 1681c and 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain accurate identifying information and follow procedures to ensure maximum possible accuracy. Therefore, I request the immediate deletion of this incorrect address from my credit report. Regarding the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance Owed : {$960.00} ), this account is being reported as a charge-off ; however, I have no knowledge of this account. Under 15 U.S.C. 1681i ( a ), Experian must conduct a reasonable reinvestigation of disputed information. Additionally, under 15 U.S.C. 1681s-2 ( b ), the furnisher must provide documentation verifying the legitimacy and accuracy of the account being reported. If this account can not be verified with competent documentation, I request the permanent deletion of this account from my credit report. Regarding the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance Owed : {$710.00} ) XXXX XXXX, this account is reported as a charge-off ; however, I have no knowledge of it. Reporting information that can not be verified violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy. Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of disputed information. If the account can not be verified through proper documentation, I request the immediate deletion of this account from my credit report. Regarding the account XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance Owed : {$10000.00} ), this account is reported as a charge-off and I have no knowledge of it. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), Experian must conduct a thorough reinvestigation of disputed information. Additionally, under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to verify the accuracy of the data being reported. If the furnisher can not provide adequate documentation verifying this account, I request the permanent deletion of this account from my credit report. Regarding the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} ), this account is reported as a charge-off despite showing a XXXX balance. I have no knowledge of this account and dispute its accuracy and completeness. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy in reporting. Additionally, under 15 U.S.C. 1681i ( a ), disputed information must be thoroughly investigated. If this account can not be verified through competent evidence, I request the deletion of this account from my credit report. Regarding the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance Owed : {$1300.00} ), this account is reported as a charge-off and I have no knowledge of this account. Under 15 U.S.C. 1681i ( a ), Experian must conduct a reasonable reinvestigation of disputed information. Furthermore, under 15 U.S.C. 1681s-2 ( b ), furnishers are required to investigate disputes and provide accurate verification. If this account can not be verified with competent documentation demonstrating that the account belongs to me, I request the permanent deletion of this account from my credit report. Regarding the account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance Owed : {$730.00} ), this account is reported as a charge-off ; however, I have no knowledge of this account. Reporting unverifiable information violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Under 15 U.S.C. 1681i ( a ), Experian must conduct a reasonable reinvestigation of the disputed information. If the furnisher can not verify this account with proper documentation, I request the immediate deletion of this account from my credit report. Regarding the collection account XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance Owed : {$360.00} ), I have no knowledge of this account. Collection accounts must be supported by documentation verifying that the alleged debt belongs to the consumer and that the reporting is accurate. Under 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( b ), both the credit reporting agency and the furnisher must verify disputed information. If this account can not be verified with competent evidence, I request the immediate deletion of this collection account from my credit report. Regarding the collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance Owed : {$830.00} ), I have no knowledge of this account and dispute the validity of the reporting. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Additionally, under 15 U.S.C. 1681i ( a ), Experian must conduct a reinvestigation of disputed information. If the furnisher can not provide competent verification, I request the permanent deletion of this collection account from my credit report. Regarding the collection account XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance Owed : {$300.00} ), I have no knowledge of this account and dispute its accuracy and validity. Under 15 U.S.C. 1681i ( a ), consumer reporting agencies must conduct a reasonable reinvestigation of disputed information. If the account can not be verified with reliable documentation demonstrating its accuracy, I request the immediate deletion of this collection account from my credit report. Regarding the inquiry XXXX XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ), I have no knowledge of authorizing this inquiry. Under 15 U.S.C. 1681b, a permissible purpose is required before accessing a consumers credit report. Any inquiry made without my authorization or without a legally permissible purpose is a violation of the Fair Credit Reporting Act. Therefore, I request that this unauthorized inquiry be immediately removed from my credit report. I respectfully request that these items be investigated and permanently removed from my credit report if they can not be properly verified in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

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