Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
b'I am submitting this formal complaint regarding multiple inaccurate and unlawful items being reported on my credit file by various furnishers and credit reporting agencies. These errors are causing significant harm to my creditworthiness and violate my rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).\n\n1. Wrong Address Reporting\n\nThe following addresses are being incorrectly listed on my credit file. I have never lived at or been associated with these addresses, and their continued presence creates the appearance of potential identity theft or file commingling:\XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX TX XXXX2. Incorrect and Unverified Accounts\n\nSeveral accounts are being reported inaccurately as charge-offs, collections, or with derogatory remarks without proper verification or validation. Details are as follows:XXXX XXXX  High Balance XXXX  Date Opened: XXXX  Reported as Charge-off.XXXX XXXX XXXX  High Balance $XXXX Date Opened: XXXX  Reported as Charge-off.\XXXX XXXX  High Balance XXXX  Date Opened: XXXX  Reported as Charge-off.\nXXXX XXXX   High Balance XXXX Date Opened: XXXX  Reported as Charge-offXXXX XXXX XXXX XXXX  High Balance XXXX Date Opened: XXXX  Reported with Late PaymentsXXXX XXXX  High Balance XXXX  Date OpenedXXXX XXXX  Reported as Collection.\n\nThese furnishers have failed to provide me with proper validation or documentation proving that these accounts are legitimate and accurate. Under the FCRA (15 U.S.C.  1681s-2), furnishers are required to ensure maximum possible accuracy when reporting to credit bureaus. The continued reporting of unverifiable, inaccurate, and outdated information constitutes a violation of federal law.\n\n3. Unjustified Hard Inquiries\n\nMy credit report reflects hard inquiries from the following companies, which were made without my consenXXXX  Inquiry dated XXXX XXXX XXXX  Inquiry dated XXXXI did not authorize these inquiries. Under the FCRA, no company may access my credit file without my explicit consent and permissible purpose.\n\nRequested Relief\n\nI respectfully request that the CFPB:\n\nInvestigate these matters and hold the furnishers and credit reporting agencies accountable for their violations.\n\nRequire immediate removal of the wrong addresses from my credit profile.\n\nRequire deletion of all unverified and inaccurate accounts listed above.\n\nRemove the unauthorized hard inquiries from my file.\n\nEnsure that all furnishers comply with the FCRA and FDCPA regarding accuracy, permissible purpose, and validation of debts.\n\nThese inaccuracies are severely damaging my ability to obtain fair credit, housing, and financial opportunities. I expect swift corrective action and a full investigation into these violations.'

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