Consumer complaint received 2025-12-05 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: AL

Complaint narrative:
To Whom It XXXX Concern I am filing this complaint because my rights under the FCRA have been violated through the reporting of accounts and inquiries that do not belong to me. These items are inaccurate, unverifiable, and causing serious harm to my credit. I have no knowledge of these accounts or inquiries, and the furnishers failed to provide any validation. I am requesting the CFPB to require their immediate deletion. 

XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance {$490.00} Charge Off I have no knowledge of this account. I never opened it, never authorized any credit line, and never received any debt validation. Reporting this is a violation of FCRA 602, 607 ( b ), 609, and 611 because no original signed contract or authorization exists. This account must be deleted. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$140.00} Charge Off I do not recognize or own this account. No contract, billing history, or proof of ownership has ever been provided. This account is unverified and must be deleted under FCRA 602, 607 ( b ), 611, and 623 ( a ). 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$240.00} Charge Off I have no knowledge of this account and never opened any account with this creditor. No verification has ever been provided. This violates FCRA 607 ( b ) and 611, and it must be deleted immediately. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$7200.00} Charge Off This account is not mine and is reported in error. I have never had any financial relationship with this creditor. This reporting is inaccurate and unverifiable under FCRA 602 and 623 ( a ). Delete this account. 

THE XXXX AT XXXX XXXX XXXX Opened XX/XX/XXXX High Balance {$3700.00} Collection I do not recognize this account or any debt connected to it. No contract or documentation proving ownership exists. This is inaccurate reporting under FCRA 607 ( b ) and 611. Please delete. 

XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX High Balance {$860.00} Collection I never opened, authorized, or used this account. No validation or contract exists proving it belongs to me. This reporting violates FCRA XXXX, XXXX, and XXXX ( a ). Delete this account. 

XXXX XXXX XXXX Opened XX/XX/XXXX High Balance {$590.00} Collection I have no knowledge of this account. I never used this service or authorized any charges. This account is unverified and inaccurate under FCRA 602, 607 ( b ), and 611. Please delete. 

INQUIRIES XXXX XXXX XXXXXX/XX/XXXX This inquiry is unauthorized. I never applied for credit with this company and did not give consent for a hard pull. It must be removed under FCRA XXXX. 

XXXX XX/XX/XXXX I did not apply for credit or authorize this inquiry. It is inaccurate and must be deleted immediately under FCRA 604. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. I did not initiate any credit application. Remove this item. 

XXXX XXXX XXXX XXXXXX/XX/XXXX I never applied for credit with this company. This inquiry is unauthorized and must be deleted under FCRA 604. 

XXXX XX/XX/XXXX This inquiry is not authorized by me. I did not give permission for any credit check. Please delete. 

XXXX XXXX XXXX CO XX/XX/XXXX I never authorized this inquiry and did not submit any application. It must be removed immediately under FCRA 604. 

I request the CFPBs assistance in deleting all inaccurate and unauthorized items listed above.

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