Consumer complaint received 2025-12-02 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 submitting this formal complaint because my consumer credit reports contain multiple inaccurate, unverified, and misleading entries that are causing me significant harm. Despite my previous attempts to resolve these errors with the reporting furnishers and credit bureaus, the issues remain uncorrected. I am requesting the Consumer Financial Protection Bureaus assistance to compel full validation and correction of these items, as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Wrong Address Reporting The following addresses are being reported, and I have no association or connection with them at any time. These addresses are completely incorrect, and their continued reporting exposes me to identity-related risks and misrepresentation : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, TX XXXX XXXX request XXXX immediate removal of these wrong and unverified addresses from all of my credit reports. 

XXXX. Late Payment Reporting ( Inaccurate History ) The following account is reporting late payments, which is entirely false. I have never made a late payment, and the reported derogatory history is inaccurate and damaging. I request a full investigation and correction of the inaccurate history : XXXX XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX. Charge-Off Accounts ( No Knowledge / Request Deletion ) The following accounts are reporting charge-offs that I have no knowledge of and did not authorize or recognize. These accounts are unverified, inaccurate, and must be deleted entirely if the furnishers can not provide full documentation proving ownership, liability, and accuracy : XXXX XXXXXXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Acct : XXXX ) Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX. Collection Accounts ( No Knowledge / Request Deletion ) I also have several collection accounts reported that I do not recognize or have any knowledge of. These entries must be validated with full documentation or deleted entirely under FCRA XXXX09 and 611 : XXXX XXXX XXXX  ( Acct : XXXX ) Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX ( Acct : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX Inquiries ( Unfamiliar / Possible Unauthorized ) The following inquiries appear on my credit report without my authorization or knowledge. I request the CFPB to review these as potential unauthorized inquiries and require validation from the entities involved : BANK 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Requested Action XXXX I am requesting the XXXX assistance to ensure that : All wrong addresses are removed. 

All false late payment history is corrected. 

All charge-off and collection accounts are fully validated or deleted if unverified. 

All unfamiliar inquiries are investigated and removed if unauthorized. 

All furnishers provide complete documentation proving the accuracy and ownership of the reported items. 

These inaccuracies are violating my rights under the Fair Credit Reporting Act and causing ongoing financial harm. I request your urgent intervention to ensure full compliance and correction. 

Thank you for your attention.

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