Consumer complaint received 2025-08-13 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: AR

Complaint narrative:
I am filing this formal complaint against multiple furnishers and credit reporting agencies for their continued reporting of inaccurate, unverified, and misleading information on my consumer credit reports. Despite my previous disputes, these items remain, causing ongoing financial harm. The following accounts and inquiries are at issue : XXXX XXXX XXXX XXXX, IL XXXX Wrong Address Issue : This is entirely unrelated to me. 
Law : Under 15 U.S.C. 1681i ( a ), agencies must correct or delete unverifiable data.

Story : I have never rented, owned, or maintained any connection with this location. If this address remains, it could cause lenders or employers to deny me based on mistaken associations with individuals who have negative credit histories or criminal records. 
XXXX XXXX XXXX XXXX, IL XXXX Wrong Address Issue : No legal, financial, or residential connection exists between me and this address. 
Law : FCRA 602A and 607 ( b ) require accurate and fair reporting.

Story : Wrongly associating me with this property can cause fraudulent links to debts, bills, or legal actions that have nothing to do with me, directly harming my financial standing and personal reputation. 
XXXX XXXX XXXX XXXX, IL XXXX Wrong Address Issue : This is an entirely incorrect listing in my file. 
Law : Under 15 U.S.C. 1681c-2, I have the right to demand immediate removal of inaccurate data.

Story : This inaccurate listing may have originated from a file mix-up. Keeping it exposes me to financial risk, as bad debts linked to that address could be wrongly assigned to me.

XXXX XXXX Account No : XXXXXXXX XXXX High Balance : {$1700.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off Issue : This account is being reported inaccurately as a charge-off. I have never received a proper validation of this debt, nor any signed agreement proving this account belongs to me. The reporting is causing severe harm to my creditworthiness. 
Law : Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ), I have the right to request all records, contracts, applications, and payment histories related to this account. Under FCRA Section 611, the bureau must remove or correct any item that can not be verified. Continuing to report unverifiable or inaccurate information violates FCRA Section 623 ( a ) ( 1 ) ( A ).

Story : This account was reported without proper notice or proof. I have made several attempts to get validation from both the creditor and the bureau, but no complete documentation was ever provided. This is not only negligent but malicious, as it is lowering my score and affecting my ability to get housing and credit. I am demanding an immediate deletion unless you can provide signed original contracts and complete payment history.

XXXX XXXX Account No : XXXXXXXX XXXX XXXX High Balance : {$570.00} | Date Opened : XX/XX/XXXXXXXX  | Status : Collection Issue : This collection account is inaccurate and unverifiable. The alleged original creditor has never sent me proof of this debt, nor have I authorized XXXX XXXX to collect on my behalf. 
Law : Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), a debt collector must provide written validation of the debt upon request. Failure to do so while continuing collection activities violates FDCPA Section 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ).

Story : I have no record of owing any balance to this creditor. XXXX XXXX has reported this without my consent and without verifying the details with the original creditor. This reporting is damaging my reputation and violating my rights under both FDCPA and FCRA. You are required to remove this entry immediately or provide the signed contract, full chain of assignment, and payment ledger. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized retail credit inquiry. 
Law : Same as 604.

Story : I have no account, order history, or application with XXXX or XXXX. Such retail credit inquiries, if unauthorized, often precede fraudulent purchases made in the consumers name. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry.

Law : 604. 
Story : I did not apply for financing from XXXX XXXX. Unauthorized inquiries like this hurt my score and could be a sign that a fraudster is attempting to secure an auto loan under my name. 
XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry.

Law : 604. 
Story : I have never sought credit from XXXX XXXX XXXX XXXX  or its XXXX  product. Any inquiry from them without my explicit consent is a violation of my consumer rights and could be linked to attempted account fraud. 
XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized retail card inquiry.

Law : 604. 
Story : I did not apply for a XXXX store credit card. If this inquiry was made, it may have been initiated by someone attempting to open a jewelry account in my name, which could lead to significant fraudulent charges. 
XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized inquiry.

Law : 604. 
Story : I have never applied for a XXXX card or any account from XXXXXXXX XXXX Unauthorized inquiries are a precursor to fraudulent account openings, which could leave me responsible for debts I did not authorize. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry.

Law : 604. 
Story : I have no connection with XXXX XXXX or XXXX XXXX XXXX XXXX in this context. This inquiry could have been made by a third party intending to obtain a high-interest line of credit in my name, which would severely damage my financial stability. 
Relief Requested : I request that the CFPB investigate these furnishers and credit reporting agencies for willful violations of FCRA and FDCPA, order the immediate deletion of all unverifiable and duplicate accounts, and ensure removal of all unauthorized hard inquiries. 
These violations have caused significant harm to my creditworthiness, emotional distress, and financial opportunities. I request written confirmation of the actions taken within the statutory period.

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