Consumer complaint received 2025-10-10 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: CA

Complaint narrative:
I am submitting this formal dispute and complaint regarding multiple inaccurate and unauthorized entries on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Several collection accounts are reported that I have no knowledge of, and numerous hard inquiries were made without my authorization. These inaccuracies are materially misleading, negatively affect my creditworthiness, and violate my federal rights. 
XXXX XXXX, XXXXXXXX XXXX XXXXXXXX as an address linked to my file. I have never resided at this location, nor have I ever had any financial dealings connected to it. The inclusion of this incorrect address is misleading, and under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to request correction of any false information. Reporting addresses I have never lived in can create confusion about my identity and can be construed as negligent or inaccurate reporting, potentially violating my rights. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are similarly false. I have never lived at these addresses, and their reporting on my credit file misrepresents my personal and financial history. FCRA Section 611 grants consumers the right to have inaccurate information corrected promptly. The continued listing of these addresses could expose me to identity confusion or potential fraud. 
XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00}, is completely unknown to me. I have never opened, used, or authorized this account. Reporting an account I have no knowledge of as a charge-off is a violation of FCRA Sections 602 and 611 and may constitute negligent or fraudulent reporting. I demand immediate deletion of this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$430.00}, is similarly unknown to me. I never authorized or maintained this account, yet it is reported as a charge-off. This false reporting is inaccurate and misleading, and under FCRA, I am entitled to prompt correction or removal. XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$1400.00}, is also unfamiliar to me. Its reporting as a charge-off without my knowledge violates my rights and is materially misleading. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all accounts I do not recognize. Each is reported as a charge-off, with balances of {$0.00}, yet I have no knowledge of these accounts ever existing. Reporting unknown accounts as delinquent misrepresents my creditworthiness, constitutes inaccurate reporting under 15 U.S.C. 1681s-2 ( b ), and must be removed immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00}, is reported with late payments. I have never missed a payment on this account. The reporting of late payments is false, misleading, and violates my rights under FCRA Section 623 ( a ) ( 2 ). It damages my credit profile and misleads potential creditors about my financial responsibility. I demand correction of the payment history to accurately reflect timely payments. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$580.00}, is not recognized by me. The inclusion of this account in my credit report is misleading and constitutes inaccurate reporting. Under FCRA Section 611, I am entitled to have this account deleted unless it can be proven to be accurate and authorized by me. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$990.00}, is similarly unknown. Reporting an account without my knowledge misrepresents my credit history and violates federal law. I request an immediate and thorough investigation, followed by removal if the account can not be verified as mine. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$1100.00}, is reported incorrectly. I have no knowledge of this account and never authorized its creation. The listing of this account is a false representation of my creditworthiness and a violation of the FCRA. Immediate deletion is required. 
XXXX XXXX XXXX * * *, opened on XX/XX/XXXX with balances reported as {$340.00}, {$1200.00}, and {$2700.00}, is entirely unknown to me. I have never authorized or maintained this account. Multiple entries with varying balances suggest gross reporting errors or potential fraud. Under FCRA Sections 602 and 611, I am entitled to have unverifiable or inaccurate information removed immediately. The reporting of these accounts as collections is materially misleading, harms my creditworthiness, and violates federal law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$360.00}, is also unfamiliar to me. I have no knowledge of this account and never authorized its creation. Its presence on my credit report is inaccurate and misleading, violating FCRA Section 611, which mandates that only accurate and verifiable information may be included. I demand deletion unless the account can be verified with documentation I have authorized. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$650.00}, is another account I do not recognize. Listing an unknown account as a collection is materially inaccurate and misleading, constituting a violation of FCRA Sections 602 and 611. Immediate deletion is requested. 
XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Unauthorized inquiry. Reporting it violates my rights under FCRA Sections 604 ( a ) ( 3 ) and 611. 
XXXX XXXX XXXX Date : XX/XX/XXXX No consent was given for this inquiry. It should be deleted immediately. 
XXXX XXXX  Date : XX/XX/XXXX I dispute this inquiry as unauthorized and request deletion. 
XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Unauthorized inquiry. Reporting it without verification violates FCRA. 
XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Unauthorized inquiry. XXXX deletion requested. 
XXXX XXXX XXXX Date : XX/XX/XXXX No authorization given. Reporting it is a violation of FCRA. 
XXXXXXXX XXXX XXXX Date : XX/XX/XXXX I dispute this inquiry as I did not authorize it. Immediate investigation and deletion required.

Each of these collection accounts and inquiries causes material harm to my credit profile, misleads potential lenders, and may constitute violations of the FCRA. I request that CFPB conduct a thorough investigation, ensure corrections or deletions are made promptly, and provide written confirmation of all actions taken.

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