Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because multiple credit reporting agencies and furnishers have willfully violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, unverified, duplicate, unauthorized, and misleading information on my credit file. Despite my previous disputes, the agencies continue to report false data in violation of FCRA 602 ( a ), 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). I am demanding an immediate investigation into the following items and enforcement action against the reporting agencies and furnishers. 
XXXX XXXX, XXXX, TX XXXX Wrong Address This address does not belong to me and has never been associated with me. Reporting an incorrect address violates FCRA 607 ( b ). Remove immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Charge Off I have no knowledge of this account. You must provide full verification including the original signed contract and complete payment history. If you can not validate, delete immediately under FCRA 611. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$55.00} Charge Off This account is not mine. A charge-off can not be reported without proper documentation. Produce full verification or delete immediately. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Charge Off Unverified, inaccurate, and not mine. Under FCRA 623, furnishers can not report data they can not confirm. Delete immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This late payment is inaccurate and unverified. Remove immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Another false late payment. This is illegal and misleading reporting. Delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This late payment is false. The account shows a XXXX balance and no valid proof of delinquency exists. Reporting unverified late data violates FCRA 623 ( a ) ( 1 ) ( A ). Delete immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Charge Off I do not recognize this account. Provide original signed contract, payment ledger, and full validation. If you can not verify, delete under FCRA 611. 
XXXX XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$950.00} Collection This collection account is reporting without validation. XXXX is known for purchasing unverifiable debts. Provide proof of ownership, original creditor documentation, and full chain of custody. If not verifiable, delete immediately. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$430.00} Collection This appears duplicated and unverified. Duplication violates FCRA 607 ( b ). Provide proof or remove immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Collection Duplicate and unverified reporting. Produce proof or delete immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1600.00} Collection I do not acknowledge this account. Validation is required under federal law. If you can not provide it, delete this account. 
XXXX XXXX Inquiry XX/XX/XXXX I did not authorize this inquiry. Remove immediately. Unauthorized inquiries violate FCRA 604. 
XXXX Inquiry XX/XX/XXXX Not authorized. Delete immediately. 
XXXX XXXX XXXX Inquiry XX/XX/XXXX Not authorized. Delete immediately. 
XXXX XXXX Inquiry XX/XX/XXXX Not authorized. Remove immediately. 
XXXX XXXX XXXX Inquiry XX/XX/XXXX Not authorized. Delete immediately. 
XXXX XXXX Inquiry XX/XX/XXXX I did not authorize this. Remove immediately. 
XXXX XXXX Inquiry XX/XX/XXXX Not authorized. Remove immediately. 
XXXX Inquiry XX/XX/XXXX Not authorized. Delete immediately. 
XXXX Inquiry XX/XX/XXXX Unauthorized inquiry. Remove immediately. 
These items remain on my credit reports without any valid verification. The bureaus and furnishers are refusing to follow federal law, which has caused financial harm and continues to damage my credit profile. I am requesting the CFPB to investigate these violations, require deletion of all unverified and inaccurate items, and take enforcement action against the responsible entities for ongoing noncompliance.

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