Consumer complaint received 2025-11-06 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: NV

Complaint narrative:
I am submitting this formal complaint against the listed furnishers and credit reporting agencies for their continued reporting of inaccurate information, negligent verification procedures, and failure to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my previous disputes and notices, the information remains uncorrected, causing ongoing harm to my credit reputation, emotional distress, and financial injury. The actions of these furnishers and the credit bureaus violate my consumer rights under federal law and require immediate CFPB intervention for correction, deletion, and enforcement actions. 

XXXX XXXX XXXX XXXX, AL XXXX This address is being incorrectly reported as part of my credit file. I have never maintained residency or received any correspondence at this location. Under FCRA Section 607 ( b ), consumer reporting agencies must ensure maximum possible accuracy of all data. By keeping this incorrect address on file, the bureau is in violation of my rights under FCRA Section 611 ( a ), which requires prompt correction or deletion of unverifiable information. This false address must be deleted immediately to prevent continued misassociation with accounts or identity errors. 

XXXX XXXX XXXX XXXX XXXX * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$28000.00} Late Payment This account is reporting false late payments that were never missed or verified with legitimate proof. The furnisher has failed to provide any authenticated payment history or written validation. Reporting inaccurate payment data violates FCRA Section 602 ( a ) and 623 ( a ) ( 1 ) ( A ), which hold furnishers responsible for reporting only complete and accurate information. The bureau must remove all false payment history immediately or provide verifiable written evidence supporting every reported delinquency. Failure to do so constitutes a violation of my rights under FCRA 611 ( a ) and 607 ( b ). 

XXXX XXXXXXXX * * * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is reported as a charge-off with a XXXX balance, which is contradictory and misleading. Reporting a charge-off when no outstanding balance exists creates a false derogatory entry and violates FCRA 607 ( b ), which requires accurate and up-to-date reporting. The absence of a valid balance and supporting records makes this entry unverifiable under FCRA 611 ( a ). Since no verifiable contract, payment history, or charge-off validation has been produced, this account must be deleted in full. 

XXXX XXXX XXXXXXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$110.00} Collection This alleged collection account was never authorized by me, and I have never received a single billing statement or notice of collection from this company. Reporting this account without proper validation violates both FCRA 611 ( a ) and FDCPA Section 809 ( a ), which require debt XXXX and credit bureaus to verify and document the origin and ownership of a debt. Because this account has not been proven valid through any authenticated documentation or signed agreement, it must be immediately deleted as inaccurate and unverifiable. 

XXXX THE XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Collection This collection account is being reported in error and was never opened by me. The data appears to have been mixed or misattributed, which violates FCRA 602 ( a ) and 607 ( b ), requiring accurate consumer identification and reporting. No documentation linking me to this alleged account has been produced, meaning it fails verification under FCRA 611 ( a ). This account must be permanently deleted from my report for being unverifiable, inaccurate, and damaging to my credit standing. 

XXXXXXXX XXXX XXXX XXXXXXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Collection I have never had any delinquent or collection account with XXXX XXXX. The presence of this account without my authorization or proof of liability is a violation of FCRA 607 ( b ) and FDCPA 807 ( 8 ), which prohibit false representation of debt. This item was not validated by the furnisher with a contract or original billing documentation. Under FCRA 611 ( a ), unverifiable and unproven information must be deleted immediately. 

XXXXXXXX XXXX XXXXXXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Collection This collection account is completely inaccurate and unverified. I have never opened or authorized an account with XXXX XXXX that would justify this negative entry. The reporting of this account without written validation or proof of ownership violates FCRA 611 ( a ) and FDCPA 809 ( b ). Since no authenticated evidence has been produced to support this alleged debt, it must be permanently deleted from my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX This hard inquiry was not authorized by me. Under FCRA Section 604 ( a ) ( 2 ), no entity may access a consumers report without explicit written consent or permissible purpose. This inquiry was conducted without my knowledge or approval and must be deleted immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this credit inquiry. Under FCRA 604 and 611, the credit bureau must remove any inquiry that can not be proven to have a permissible purpose. Since no documentation or consent has been provided, this inquiry must be deleted from my credit file. 

XXXX XXXX XX/XX/XXXX This inquiry was made without my authorization or credit application. Unauthorized access to my credit file violates FCRA 604 ( a ) ( 3 ) and 609 ( a ). I demand that this inquiry be deleted immediately and that written proof of removal be provided. 

XXXX XXXX NA XX/XX/XXXX I did not authorize Capital XXXX to pull my credit report. This unauthorized inquiry violates FCRA 604 ( a ) ( 2 ) as there was no permissible purpose or signed consent. The bureau must remove this inquiry immediately to correct my file. 

XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry was never authorized by me. Accessing my credit report without my written permission is a direct violation of FCRA XXXX and XXXX. The bureau must immediately delete this inquiry as it lacks a legitimate permissible purpose. 

XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this company to access my credit file. This unauthorized inquiry violates FCRA Section 604 ( a ) ( 3 ) and must be deleted from my report immediately. The bureau is responsible for ensuring that only permissible purpose inquiries remain. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry was not initiated by me. Under FCRA 604 and 609, any credit inquiry must have consumer authorization or permissible purpose. Since this inquiry fails to meet those requirements, it must be removed from my report immediately. 

The consistent inaccuracy, lack of proper verification, and negligent maintenance of my personal and credit information constitute serious violations of the FCRA and FDCPA. I request that the CFPB enforce compliance, direct the credit bureaus and furnishers to remove unverifiable or unauthorized items, and impose penalties where necessary. My creditworthiness, reputation, and peace of mind continue to be harmed due to their noncompliance. I am exercising my rights under federal law and demand immediate resolution and corrective action.

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