Consumer complaint received 2025-10-01 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:
Dear CFPB, I am filing this formal complaint regarding multiple inaccurate collection accounts and unauthorized credit inquiries that are being reported on my credit file. These items are in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and in some cases, the Fair Debt Collection Practices Act ( FDCPA ). These false entries have caused me significant financial harm, emotional distress, and denials of credit. 
The following inaccurate accounts and inquiries are being reported against me : XXXX XXXX XXXX XXXX XXXX, XXXX Wrong Address This address does not belong to me, I have no connection to it, and it is reporting in error. It is an act of negligence to allow this false information to remain attached to my credit profile. 
XXXX XXXX XXXX  XXXX Open Date XX/XX/XXXX High Balance {$1600.00} Charge Off I have no knowledge of this account, I never opened it, never authorized it, and no contract has been provided bearing my signature. Reporting this account is a direct violation of 15 U.S.C. 1681s-2 which prohibits furnishers from reporting information they know or should know is inaccurate. It has caused me financial hardship, denial of credit, and reputational damage. I demand its permanent deletion. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$310.00} Charge Off I dispute this account in its entirety as fraudulent and inaccurate. I never applied for or opened any account with XXXX. No valid proof of obligation has ever been provided. Continuing to report this account without full validation violates the FDCPA and FCRA, and is causing severe and ongoing injury to my consumer rights. Immediate removal is required. 
XXXX  XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$1100.00} Charge Off This account is not mine and is reporting in error. I have no contractual relationship with this institution. The entry is unverifiable and should never have been furnished to the credit bureaus. It is a false, misleading, and damaging entry that must be deleted. 
XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$670.00} Charge Off I am disputing this account as fraudulent and inaccurate. I never had any relationship with XXXX XXXX XXXX. Reporting a false account under my name constitutes defamation of character and negligent misrepresentation. No contract, no signed application, no validation has ever been produced. Delete this item immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$870.00} Charge Off I dispute this reporting as entirely false. I do not recognize or acknowledge any connection to this account. It is unverified and unverifiable, and its continued reporting is reckless disregard for accuracy standards required by the FCRA. I demand deletion. 
XXXX XXXX XXXX Open Date XXXX XXXX, XXXX High Balance {$930.00} Charge Off I do not have nor have I ever had any account with XXXX  under these terms. I never authorized this account and I have no knowledge of it. It is an unverified and fraudulent entry that is causing direct harm to my creditworthiness and life opportunities. Under 15 U.S.C. 1681i, you are obligated to investigate and delete unverifiable information. 
XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$44000.00} Charge Off I have no knowledge of this account. I never applied, signed, or authorized any obligation with XXXX Credit Accept. This reporting is fraudulent, unverifiable, and is causing severe damage to my credit file. It violates FCRA 1681s-2 which prohibits the reporting of inaccurate or unverified information. This account must be deleted immediately. 
XXXX XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$37000.00} Charge Off I dispute this account in full. I never opened any account with XXXX XXXX. There is no contract, no signed agreement, and no validation of debt. Its continued reporting without proof constitutes negligent misrepresentation and defamation. Delete this item from my credit report without delay. 
XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$3000.00} Charge Off I do not recognize this account, never entered into any agreement with XXXX XXXX, and have never consented to any financial responsibility under this name. The entry is fraudulent and unverifiable. Its presence is reckless disregard for my rights under the FCRA and must be removed immediately. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$380.00} Charge Off I dispute this item completely. I never entered into any agreement with Possible XXXX, and no proof has ever been provided. It is inaccurate and unverifiable. Reporting this account without validation is a violation of federal law, and it must be permanently deleted. 
XXXX  XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$3600.00} Charge Off I have no relationship with XXXX  XXXX XXXX XXXX under this account. This is a false and misleading entry that damages my financial profile. No evidence or signed contract has been presented to validate this debt. Delete this account immediately in compliance with FCRA standards. 
XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Balance {$1500.00} Charge Off This account does not belong to me. I never authorized it, never agreed to it, and it is reporting in error. This item is completely unverifiable and its presence on my file is unlawful. Remove it at once. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$1000.00} Charge Off I do not recognize this account and have no connection to it. This reporting is inaccurate, fraudulent, and unverifiable. It is being reported without any supporting documentation and is a violation of consumer protection laws. It must be deleted right away. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Balance {$200.00} Late payment This account is being reported as having late payments, which is completely inaccurate. I never made any late payments, and I dispute this entry as false and misleading. Reporting a late status when no such delinquency exists violates the duty of accuracy under the FCRA. I demand that the history be corrected immediately. 
XXXX XXXX Date Opened XX/XX/XXXX High Balance {$2100.00} Collection I have no knowledge of this account and never authorized or agreed to any such obligation. No contract, no signature, and no validation has ever been produced. Reporting this alleged debt without proof is a direct violation of my rights under the FDCPA and FCRA. This entry must be deleted immediately. 
XXXX XXXX Date Opened XX/XX/XXXX High Balance {$1500.00} Collection This account is not mine and is entirely fraudulent. I have never had any dealings with XXXX XXXX or its affiliates. No proof has been provided, and its continued reporting is false and damaging. Under FCRA 1681i, unverifiable information must be removed. Delete this account without delay. 
XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, XXXX High Balance {$1300.00} Collection I dispute this account in its entirety. I do not recognize it, I never opened it, and I never authorized any such debt. It is being reported recklessly without any validation. This is inaccurate and unlawful reporting that is harming my creditworthiness. I demand deletion immediately. 
XXXX XXXX Date Opened XX/XX/XXXX High Balance {$1300.00} Collection This is another false account being reported under my name with no proof or validation. I have no relationship with XXXX XXXX, and no contract has been presented to justify this reporting. This account is fraudulent, unverifiable, and defamatory. It must be permanently removed. 
XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$1200.00} Collection I dispute this account as fraudulent and inaccurate. I have no knowledge of this debt, never agreed to it, and no signed contract exists. XXXX XXXX has a history of purchasing unverifiable debts and reporting them inaccurately, and this is XXXX such instance. Delete this account immediately. 
XXXX XXXX Date Opened XX/XX/XXXX High Balance {$930.00} Collection I dispute this entry as well. I do not recognize this account, never authorized it, and it is being reported without validation. This is inaccurate, unverified, and in violation of federal law. Its presence on my file is causing financial and emotional harm. I demand its deletion without delay. 
XXXX XXXX Date Opened XX/XX/XXXX High Balance {$780.00} Collection This is another fraudulent and inaccurate account reported by XXXX. I never applied for or signed any obligation related to this debt. No validation has been provided. This false entry is damaging to my creditworthiness and must be permanently deleted. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is inaccurate and unauthorized. I never gave consent for XXXX XXXX XXXX to access my credit file. This inquiry must be removed immediately. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This is a duplicate unauthorized inquiry. I did not consent to this pull of my credit report. It is inaccurate and must be deleted. 
XXXX XXXX XX/XX/XXXX XXXX This inquiry is false and was made without my knowledge or authorization. Under FCRA, inquiries require consumer consent. Remove this immediately. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I never applied for credit or authorized any inquiry with XXXX XXXX XXXX This entry is false and must be deleted. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I dispute this inquiry as fraudulent and unauthorized. I did not request it. Remove at once. 
XXXX XXXX XXXX XX/XX/XXXX XXXX This is another unauthorized and inaccurate inquiry. I never gave consent. Remove it. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me. I never applied for financing with XXXX. This must be deleted immediately. 
Requested Resolution : Permanent deletion of the inaccurate XXXX XXXX collection accounts. 
Removal of all unauthorized credit inquiries listed above. 
Enforcement action to ensure these companies comply with the FCRA and FDCPA. 
I am requesting the CFPB to investigate these violations and take action to ensure that my credit file is corrected and that the responsible parties are held accountable for their unlawful reporting.

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