Consumer complaint received 2025-11-12 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: MS

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because multiple inaccurate and unauthorized items are appearing on my credit report, and despite my previous disputes with the credit bureaus, these items have not been properly investigated or removed. 
Below is the list of the disputed items that are either collections I do not recognize or hard inquiries I never authorized. I am requesting the CFPBs assistance in ensuring these accounts and inquiries are fully verified or permanently deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 
Incorrect Addresses XXXXXXXX XXXX  XXXX, XXXX XXXX Wrong Address XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address These addresses are not associated with me and should be removed from my credit file immediately. 
Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Owed : $ XXXX : Charge Off I have no knowledge of this account and request validation or removal. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Owed : $ XXXX : Late Payment I have never made any late payments to this creditor. Please correct the payment history to reflect on-time payments. 
XXXXXXXX XXXX XXXX XXXX  Date Opened : XXXX Owed : $ XXXX : Charge Off I have no recollection of this account. Please verify its accuracy or remove it. 
XXXX  XXXX XXXX Date Opened : XXXX Owed : $ XXXX : Charge Off I do not recognize this account and request immediate deletion if unverifiable. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XXXX Owed : $ XXXX : Charge Off I have no record of this account. Please verify or delete it. 
XXXX  XXXX XXXX Date Opened : XXXX Owed : $ XXXX : Charge Off This account does not belong to me. I request removal from my report. 
XXXXXXXX XXXX XXXX  Date Opened : XXXX Owed : $ XXXX : XXXX XXXX I have no association with this account. Please conduct a thorough investigation. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XXXX Owed : $ XXXX : Charge Off I do not recognize this account. Please verify or delete it from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Owed : $ XXXX : Charge Off I have no knowledge of this account. Please provide full validation or remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Owed : $ XXXX : Late Payment The late payment reporting is incorrect. I made all payments on time; please correct this error. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Owed : $ XXXX : Collection I have never had any account with this company. Please investigate and delete if inaccurate. 
XXXX XXXX XXXXXXXX Date Opened : XXXX Owed : $ XXXX : Collection I do not recall this account. Kindly provide full validation or remove it. 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XXXX Owed : $ XXXX : Collection This collection account is not mine. Please remove if unverifiable. 
XXXX XXXX XXXX XXXX Date Opened : XXXX Owed : $ XXXX : XXXX XXXX or incorrect entry. Please verify and remove inaccurate data. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XXXX Owed : $ XXXX : Collection This appears to be a duplicate listing. Please delete all duplicates and unverifiable entries. 
XXXX  XXXX XXXX XXXX Date Opened : XXXX Owed : $ XXXX : Collection I do not recognize this account. Please remove or provide proper validation. 
Inquiries in Dispute XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I did not authorize these hard inquiries. Please remove all unauthorized or fraudulent inquiries from my credit report immediately. 
Requested Action I am requesting the CFPB to : 1. Ensure the credit bureaus and data furnishers conduct a proper reinvestigation of all the above accounts.

2. Delete any unverifiable, duplicate, or unauthorized collection accounts.

3. Remove all unauthorized inquiries from my credit report.

4. Provide a written confirmation of all corrections made.

These inaccurate entries have negatively affected my credit score and caused unnecessary XXXX. I am seeking your assistance in ensuring that all parties comply with the Fair Credit Reporting Act and correct or remove these items immediately. 
Thank you for your time and assistance in resolving this matter.

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