Consumer complaint received 2025-11-05 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 writing to file a formal complaint regarding several inaccurate and unverified items being reported on my credit reports by various furnishers and credit reporting agencies. Despite my previous efforts to resolve these issues directly with the bureaus, the false and unverifiable information continues to appear, damaging my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Below are the specific inaccuracies I am disputing : XXXX. Wrong Addresses Being Reported XXXX XXXX XXXX XXXX XXXX This address is incorrect and does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This address is also incorrect and should be permanently removed. 

These addresses are not affiliated with me in any way. Their continued presence creates confusion and the false appearance of identity inconsistencies, which may indicate mixed or merged credit file errors.

2. Charge-Off Accounts Reported Without Verification The following accounts are being reported as charge-offs, though I have no knowledge or record of ever opening or authorizing these accounts. I am demanding immediate investigation and removal if they can not be fully verified 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1400.00} I do not recognize or owe any of these alleged debts, and there is no legitimate proof or signed documentation linking me to them. Reporting unverifiable charge-off accounts constitutes a clear violation of FCRA 1681e ( b ), which requires credit furnishers and bureaus to ensure maximum possible accuracy. 

XXXX. Inaccurate Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1.00} This account has been wrongly marked with a late payment. I have never made a late payment on this or any account. This error negatively impacts my credit score and must be corrected immediately under FCRA 1681i, which requires prompt reinvestigation and correction of inaccurate data. 

XXXX. Collection Accounts I Have No Knowledge Of The following accounts are being falsely reported as collections. I have no knowledge of these accounts, and the furnishers have failed to provide proof of ownership or verification : 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 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 Balance : {$1600.00} Unless the furnishers can produce signed applications, billing statements, or contracts, these accounts must be immediately deleted from all credit reporting agencies. 

XXXX. Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my authorization and should be removed as it was not initiated by me nor connected to any legitimate application for credit. 

Relief Requested I request that the CFPB : Conduct a full investigation into these inaccuracies and unverified accounts. 

Ensure that all furnishers and credit reporting agencies remove or correct the false entries immediately. 

Hold these furnishers accountable for violations of the Fair Credit Reporting Act ( FCRA ). 

Provide a written confirmation of the results of your investigation and the corrective actions taken. 

These ongoing inaccuracies have caused significant harm to my credit profile and financial opportunities, and I expect swift and thorough resolution. 

Thank you for your attention to this matter. I trust the CFPB will take appropriate action to enforce compliance with federal law and protect my rights as a consumer.

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