Consumer complaint received 2025-11-08 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 writing to formally file a complaint regarding multiple inaccurate, unverified, and misleading items being reported on my credit reports by various furnishers and credit reporting agencies. These inaccuracies are seriously harming my credit reputation and financial standing. 

Below is a detailed summary of the disputed information : 1. Wrong Address Reporting XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is incorrect and not associated with me in any way. I have never resided, received mail, or conducted any business at this address. The inclusion of this address on my credit file is a clear violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 607 ( B ), which require credit bureaus to maintain maximum possible accuracy in consumer reports. 

I request the immediate removal of this wrong address from all credit bureaus. 

2. Charge-Off and Collection Accounts ( Accounts I Have No Knowledge Of ) XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX ) XXXX Charge Off High Balance : {$5200.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX ) Charge Off Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX ) XXXX Collection Date Opened : XX/XX/XXXXXXXX  I have no knowledge of these accounts and have never opened or authorized any account with these furnishers. Reporting these accounts without verified proof of ownership and authorization violates FCRA 602 ( A ), 607 ( B ), and 611, which require furnishers to report only accurate, verifiable information and to delete unverifiable data upon dispute. 

I demand a full investigation and immediate deletion of these accounts unless verified with signed documentation proving my responsibility. 

XXXX. Late Payment Accounts ( Inaccurate Payment History Reporting ) XXXX XXXX XXXX ( Acct # XXXX ) XXXX High Balance : {$110000.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX ( Acct # XXXX ) XXXX High Balance : {$9800.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX ( Acct # XXXX ) XXXX High Balance : {$4900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX ( Acct # XXXX ) XXXX High Balance : {$5200.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX ( Acct # XXXX ) XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX ( Acct XXXX XXXX XXXX XXXX XXXX  ) High Balance : {$3300.00} Date Opened : XX/XX/XXXX These accounts are reporting inaccurate late payment information. I have never made a late payment on any of these accounts. This reporting is false, misleading, and damaging to my credit reputation. 

Under FCRA 602 ( A ) and 607 ( B ), furnishers and credit bureaus are obligated to ensure maximum possible accuracy and correct or delete any data found to be inaccurate after investigation. I request a thorough investigation into these payment histories and immediate correction of all erroneous late payment notations.

4. Unverified and Questionable Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries appear on my credit report without my authorization. I never granted permission for these entities to access my credit file. Please investigate and remove any unauthorized inquiries that can not be verified with my written consent. 

Requested Resolution I am requesting that the CFPB ensure that : The wrong address listed above is immediately removed.

The unverified charge-off and collection accounts are deleted unless validated with proper documentation. 

The inaccurate late payment information is corrected to reflect an on-time payment history. 

The unauthorized credit inquiries are deleted. 

I also request written confirmation of each corrective action taken. 

Supporting Law References This complaint is filed under the Fair Credit Reporting Act ( 15 U.S.C. 16811681i ), which guarantees every consumer the right to : Dispute inaccurate or unverified information ( 611 ) ; Expect reasonable procedures for maximum possible accuracy ( 607 ( B ) ) ; Receive deletion of unverifiable or false information ( 611 ( A ) ( 5 ) ) ; Be protected from unauthorized inquiries and data misuse ( 604 ).

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