Consumer complaint received 2025-10-23 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 filing this complaint against XXXX  for reporting multiple inaccurate, unverified, and unauthorized items on my credit report. These serious errors have damaged my creditworthiness, lowered my score, and violated my rights under the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes and requests for reinvestigation, Equifax has failed to properly verify or delete these items, showing negligence and noncompliance with federal law. 

XXXX  is reporting an incorrect address, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, which does not belong to me and has no connection to my identity. This inaccurate address is causing confusion and potential identity issues in my credit file. 

In addition, XXXX  is reporting several accounts that are either inaccurate, unverifiable, or completely unknown to me. The account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} is incorrectly reported with a late payment even though I have never been late on this account. The account XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} is listed as a charge-off, but I have no knowledge of this account. Another account, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, is showing a late payment which is completely false and damaging. XXXX  is also reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} as a charge-off account, but I have never had any relationship or agreement with this company. 

Furthermore, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$510.00} is being reported as a charge-off, but I have no knowledge of this account, and it must be deleted. The accounts DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} and DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4900.00} are both being reported with late payments that are inaccurate and harmful to my credit standing. 

XXXX is also showing XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$880.00} as a charge-off, which I do not recognize and have never opened. Another account, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00}, is listed as a charge-off, but I have no knowledge of ever having such an account. These inaccurate and unverified items violate FCRA 602A and 611, which require consumer reporting agencies to maintain maximum possible accuracy and to delete unverifiable information. 

In addition to these accounts, there are multiple unauthorized inquiries appearing on my XXXX  credit file, including XXXX  Inquiry Dated : XX/XX/XXXX, XXXX Inquiry Dated : XX/XX/XXXX, and XXXX # XXXX Inquiry Dated : XX/XX/XXXX. I never applied for any credit or authorized these companies to access my credit report. These inquiries are unauthorized and violate FCRA 604 ( a ), which prohibits the use of a consumer report without permissible purpose. 

Despite my written disputes, XXXX  has failed to comply with FCRA 611 ( a ) ( 1 ) ( A ), which requires them to conduct a reasonable reinvestigation within 30 days and delete unverifiable or inaccurate information. Their continued reporting of false data violates federal law and has caused me significant harm, including a decrease in my credit score, emotional distress, and loss of financial opportunities. 

I am requesting the Consumer Financial Protection Bureau to investigate XXXX  for its repeated violations of the Fair Credit Reporting Act and for failing to maintain accurate and verifiable consumer information. I also request that all inaccurate addresses, unverified accounts, and unauthorized inquiries mentioned above be permanently deleted from my XXXX  credit report. Furthermore, XXXX  should be held accountable under FCRA 616 and 617 for willful and negligent noncompliance.

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