Consumer complaint received 2025-11-03 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:
I am submitting this complaint because my consumer rights have been violated through the inaccurate and unlawful reporting of a collection account and an unauthorized inquiry on my credit profile. The information listed below is being reported in error and is damaging my creditworthiness. I am requesting a full investigation, deletion of the inaccurate data, and enforcement action against the responsible parties for noncompliance with federal laws. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address does not belong to me and was never connected to any verified residence or account under my name. Reporting an address not associated with me is a direct violation of 1681e ( b ), as the bureau has failed to maintain reasonable procedures to assure maximum possible accuracy. This creates confusion in identity matching and increases the risk of mixed-file reporting under 1681i ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is completely inaccurate and unverifiable. Under 1681i ( a ) ( 5 ) ( A ), you must delete any personal information that can not be verified. Continued reporting of incorrect address data without validation demonstrates noncompliance with 1681b and 1681e ( b ). 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2700.00} Date Opened : XX/XX/XXXX This account has been previously disputed. No signed contract, billing history, or ownership verification has been provided. Under 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information known to be inaccurate, and your continued reporting violates 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX No supporting evidence or verified proof of debt was provided during prior investigations. Continued publication of this unverifiable charge-off constitutes willful noncompliance under 1681n and negligent noncompliance under 1681o. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$680.00} Date Opened : XX/XX/XXXX This charge-off lacks any documentation linking me to the account. The failure to provide verification within the dispute timeframe is a violation of 1681i ( a ) ( 5 ). 

XXXX XXXX XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX This account has not been validated with any original contract or transaction record. Continued reporting of unverifiable debt after being disputed violates 1681s-2 ( b ). 

XXXX XXXX XXXX XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX No proof of ownership or signed application has been presented. Reporting unverifiable information without proof of accuracy violates 1681e ( b ) and 1681i ( a ). 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX This account remains unverified after multiple disputes. Reporting without certification of accuracy breaches 1681s-2 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$18000.00} Date Opened : XX/XX/XXXX This account reports late payments without confirming dates or proof of delinquency. Failure to verify such data after notice violates 1681i ( a ) and 1681s-2 ( b ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX No proof of assignment or ownership has been produced from the original creditor. Reporting by a third-party debt buyer without validation violates 1692g ( b ) of the FDCPA and 1681s-2 ( a ) of the FCRA. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX No documentation has been provided to confirm the debt or link it to me. Under 1681i ( a ) ( 5 ) ( A ), unverifiable collection data must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Continued reporting of this account despite no validation demonstrates noncompliance under 1681e ( b ) and 1681s-2 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$850.00} Date Opened : XX/XX/XXXX This debt has not been verified with any documentation from the original creditor. Reporting unverifiable collection data violates 1681i ( a ) ( 1 ) ( A ) and 1692g ( b ). 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX This is a duplicate account mirroring XXXX indicating double reporting, which is a direct violation of 1681e ( b ) as it misrepresents my financial history. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX No proof of debt ownership or contract has been provided. Reporting unverifiable data is a reckless disregard of my rights under 1681n. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$820.00} Date Opened : XX/XX/XXXX This account is reported without validation or legal transfer of ownership documentation. Reporting a debt without permissible verification violates both 1681s-2 ( b ) and 1692e of the FDCPA. 

XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$710.00} Date Opened : XX/XX/XXXX This collection is unverifiable and remains on my report without proof of assignment or consumer consent, breaching 1681e ( b ) and 1692g ( b ). 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and lacks permissible purpose under 1681b ( a ) ( 2 ). Reporting unauthorized access is a privacy violation under 1681b ( f ). 

XXXX XXXX XX/XX/XXXX I did not grant permission for this hard inquiry. Accessing my file without consent violates 1681b ( c ) ( 1 ) ( A ) and 1681b ( f ). 

These violations represent clear noncompliance with the federal laws designed to protect consumers from inaccurate reporting and privacy breaches. The collection agency and the inquiry source have both failed to uphold their duties of accuracy, validation, and permissible purpose. I request the CFPB to investigate both entities, require correction or deletion of these items from all credit bureaus, and ensure compliance with the FCRA and FDCPA.

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