Consumer complaint received 2025-10-27 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:
This letter serves as an official complaint under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) against the credit reporting agencies and the furnishers listed below for failing to maintain accurate and verifiable information on my credit report. Despite my efforts to resolve these issues directly through dispute letters, the inaccuracies remain uncorrected and are causing ongoing harm to my creditworthiness and reputation. 

Personal Information Dispute : The following addresses are wrong and not associated with me in any way. These must be removed immediately as they are causing confusion and are linked to inaccurate account reporting : XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Remove all of the above from my file as they are false and misrepresent my identity. 

Account Disputes : XXXX XXXX High Balance : {$2600.00} | Date Opened : XX/XX/XXXX Status : Charge-Off I have no knowledge of this account, and it was never authorized or opened by me. Under FCRA 602 ( A ) and 611, you are required to verify the source and provide the method of verification. If the furnisher can not produce signed documentation showing I am responsible, this must be deleted immediately. 
XXXX XXXX XXXX High Balance : {$7700.00} | Date Opened : XX/XX/XXXX Status : Late Payment The late payment history being reported is inaccurate and false. I have never been late on this account. I am demanding immediate correction of the payment history under FCRA 611 ( A ) and 607 ( B ) for accuracy and completeness. 
XXXX XXXX XXXX XXXX High Balance : {$330.00} | Date Opened : XX/XX/XXXX Status : Charge-Off This account is unknown to me. I never opened or authorized any account with this creditor. Reported data is unverified and invalid. Delete immediately under FCRA 611 ( A ) ( 1 ) ( A ) for failure to properly verify. 
XXXX XXXX XXXX XXXX High Balance : {$24000.00} | Date Opened : XX/XX/XXXX Status : Charge-Off This account was never opened or authorized by me. It appears to be an error or possible identity mix-up. Please investigate and delete under FCRA 611 and 605B ( Identity Theft Provision ) if unverifiable. 
XXXX XXXX XXXX XXXX High Balance : {$22000.00} | Date Opened : XX/XX/XXXX Status : Charge-Off This is another duplicate account being falsely reported by the same furnisher. It must be deleted immediately to ensure accurate reporting under FCRA 607 ( B ). 
XXXX XXXX High Balance : {$8100.00} | Date Opened : XX/XX/XXXX Status : Late Payment The late payment data reported under this account is inaccurate and unverifiable. I have never made any late payments to this creditor. Reporting such false information violates FCRA 607 ( B ) which requires maximum accuracy in reporting. I demand that the late payment history be immediately corrected to reflect on-time payments or removed entirely if not verifiable within XXXX  days. 
XXXX XXXX XXXX XXXX High Balance : {$12000.00} | Date Opened : XX/XX/XXXX Status : Late Payment This account is reporting false late payments that never occurred. I request immediate reinvestigation under FCRA 611 ( A ) and 602 ( A ). The creditor must provide documented proof of any alleged late payments. If this can not be verified through signed records or payment history, the inaccurate notations must be deleted immediately. 
XXXX XXXX XXXX XXXX High Balance : {$6900.00} | Date Opened : XX/XX/XXXX Status : Late Payment This is a duplicate and erroneous entry with false late payment information. I never made any late payments on this account. Please investigate and correct this under FCRA 607 ( B ) and 611 ( A ) for accuracy and fairness. 
XXXX XXXX XXXX XXXX High Balance : {$3200.00} | Date Opened : XX/XX/XXXX Status : Collection I have no knowledge of this account, and I have never had any business relationship with XXXX XXXX XXXX. This appears to be a case of erroneous or identity-mixed reporting. Under FCRA 611 ( A ) and 604 ( A ), I demand full deletion of this unverifiable collection entry. If the furnisher can not produce signed proof of ownership or a valid contract, the account must be deleted immediately. 
XXXX XXXX XXXX High Balance : {$0.00} | Date Opened : XX/XX/XXXX Status : Charge-Off This is an invalid and unverified charge-off that does not belong to me. There is no record of this creditor in my legitimate credit history. Please remove this entry immediately under FCRA 611 ( A ) ( 1 ) ( A ) for failure to provide accurate and verifiable reporting. 

Inquiry Disputes : XXXX XX/XX/XXXX This inquiry was not authorized by me. There is no credit application, contract, or consent allowing this pull. Please delete immediately under FCRA 604 ( A ).

I am requesting that the CFPB investigate these matters as violations of the FCRA and hold both the furnishers and credit reporting agencies accountable for their continued negligence and inaccurate reporting. These actions have caused emotional distress, denial of credit opportunities, and damage to my financial reputation. 
I demand the following corrective actions : XXXX. Removal or correction of all unverified or inaccurate accounts listed above. 
XXXX. Removal of all unauthorized inquiries from my credit file. 
XXXX. Written confirmation of the results of your investigation and any enforcement actions taken. 
Under FCRA 611 ( A ) ( 1 ) ( A ), I am entitled to an accurate and fair credit report. Continued noncompliance will leave me with no choice but to pursue further action for willful violation under FCRA 616 and 617.

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