Consumer complaint received 2025-10-31 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 filing this complaint against Experian Information XXXX XXXX for continuing to report multiple inaccurate, unverified, and false accounts and addresses on my credit report. These accounts do not belong to me, and several addresses listed on my file are completely incorrect. I have disputed these items directly with Experian, but they continue to appear, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 602 ( A ), Section 607 ( b ), and Section 611 ( a ). Experian has failed to maintain maximum possible accuracy and has not provided any verification or documentation proving these accounts are legitimate. 

The following incorrect addresses are being reported and have no connection to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX. These must be deleted as they are false and unverified. 

Experian is also reporting multiple accounts that I have no knowledge of, never opened, and have no contractual relationship with. These accounts are being reported as charge offs, collections, or with false late payment history, which is damaging my creditworthiness and violating my consumer rights. The unverified accounts include : XXXX XXXX High Balance {$280.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX BANK XXXX High Balance {$1000.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX BANK XXXX High Balance {$850.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX XXXX High Balance {$440.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX High Balance {$3000.00} Date Opened XX/XX/XXXX Charge Off ; XXXX  XXXX High Balance {$880.00} Date Opened XX/XX/XXXX Late Payment ; XXXX XXXX XXXX XXXX High Balance {$38000.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX High Balance {$700.00} Date Opened XX/XX/XXXX Charge Off ; XXXX XXXX High Balance {$23000.00} Date Opened XX/XX/XXXX Late Payment ; XXXX XXXX  XXXX XXXX High Balance {$2300.00} Date Opened XX/XX/XXXX Late Payment ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$3500.00} Date Opened XX/XX/XXXX Charge Off ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$900.00} Date Opened XX/XX/XXXX Late Payment ; XXXX XXXX XXXX XXXX High Balance {$1700.00} Date Opened XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX High Balance {$2100.00} Date Opened XX/XX/XXXX Collection ; XXXX XXXX XXXX XXXX High Balance {$1500.00} Date Opened XX/XX/XXXX Collection ; XXXX XXXX XXXX XXXXXXXX High Balance {$370.00} Date Opened XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX High Balance {$10000.00} Date Opened XX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX High Balance {$440.00} Date Opened XX/XX/XXXX Collection XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$23000.00} Date Opened XX/XX/XXXX Late Payment. 

All of the accounts listed above are unverified and inaccurate. I have never had any business or financial relationship with these companies. Experian has failed to provide documentation such as signed contracts, original statements, or proof of debt ownership. Reporting these items without proper verification is a clear violation of FCRA Section 611 ( a ), which requires the credit reporting agency to investigate and remove any unverified or inaccurate information within 30 days. 

Additionally, Experian has allowed multiple unauthorized inquiries to remain on my report that I never approved or consented to. The inquiries include XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX XXXX These inquiries were made without my written consent, which violates FCRA Section 604 ( a ) ( 3 ) and constitutes unauthorized access to my personal credit information. 

Experians repeated failure to correct or remove these false accounts, incorrect addresses, and unauthorized inquiries after disputes have caused significant harm to my credit standing and emotional distress. This conduct demonstrates a willful disregard of its legal obligations under the Fair Credit Reporting Act to ensure fairness, accuracy, and integrity in consumer reporting. 

I am requesting that the Consumer Financial Protection Bureau intervene to enforce my rights under federal law. I seek a fair and full resolution including the immediate deletion of all inaccurate addresses, unverified accounts, and unauthorized inquiries from my Experian credit file. I also request that Experian provide written confirmation once these corrections have been completed in compliance with the Fair Credit Reporting Act.

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