Consumer complaint received 2025-12-09 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 items reported by the credit bureaus and data furnishers are completely inaccurate, unverifiable, and damaging my credit profile. I have disputed these accounts with the credit bureaus, yet the furnishers have continued reporting false information without providing any documentation or validation. This is a direct violation of FCRA 1681i, 1681e ( b ), and 1681s-2.

WRONG ADDRESSES REMOVE IMMEDIATELY UNDER FCRA 1681c 838XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never lived at, used, or been associated with this address. Reporting this is a violation of FCRA accuracy requirements. 

XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX This address does not belong to me and must be deleted immediately. 

XXXX Acct : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Late Payment This late payment history is FALSE. I never made late payments on this account, and the reporting is inaccurate and damaging. I request correction of the payment history under FCRA 1681e ( b ) for accuracy. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {>= $1,000,000} | Issue : Late Payment The late payment reporting is completely inaccurate. I did not make late payments, and the servicer has failed to provide any proof. I request correction of the payment history. 
XXXXXXXX XXXX XXXX  Acct XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off I have NO knowledge of this account. I never opened, used, or authorized it. This appears to be identity-related or inaccurate reporting. Delete it immediately under FCRA 1681i as unverifiable. 
XXXX XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Late Payment This late payment status is incorrect. I did not make any late payments. Please correct the payment history and update to reflect positive status. 
XXXX XXXX Acct : XXXXXXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$38000.00} | Issue : Late Payment This late payment history is FALSE. I never made late payments on this account. Please correct the full payment history and update the record. 
XXXX XXXX XXXX  XXXX  Acct : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$700.00} | Issue : Late Payment Late payment reporting is wrong and unsupported. I request reinvestigation and correction immediately. 
XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | Balance : {$2500.00} | Issue : Collection I have no knowledge of this debt. I never received any notice, billing, or validation. This appears to be an incorrect or fraudulent collection entry. Delete immediately under FCRA 1681i. 
XXXX Acct : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Collection This account is NOT mine. I never authorized or owed any debt to this company. This is an inaccurate collection and must be removed as unverifiable. 
XXXX Acct : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Late Payment The late payment status is FALSE. I never missed payments on this account. Update and correct the payment history under FCRA 1681e ( b ). 
XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | Balance : {$39000.00} | Issue : Late Payment The reported late payment is inaccurate. No valid proof has been provided. Please correct the payment history to reflect accurate reporting. 
SOFT/HARD INQUIRY DISPUTES All the following inquiries are unauthorized, unverified, and were NEVER permitted by me. I did not apply for credit with these companies. Under FCRA 1681b, a credit inquiry requires permissible purpose, which none of these furnishers possess for my file. These inquiries are damaging my score and must be removed immediately. 
XXXX XXXX XXXX XX/XX/XXXX | Unauthorized Inquiry XXXX XXXX  XXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX | Unauthorized Inquiry XXXX XXXX  XXXX XXXX XX/XX/XXXX | Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX | Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX | Unauthorized Inquiry XXXX XXXX XXXX  XX/XX/XXXX | Unauthorized Inquiry XXXX  XXXX XXXX XXXX  XX/XX/XXXX | Unauthorized Inquiry XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX | Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX | Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX | Unauthorized Inquiry XXXX XXXX XX/XX/XXXX | Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX | Unauthorized Inquiry All these inquiries must be removed immediately as they were not authorized and violate FCRA 1681b ( a ).

REQUEST FOR CFPB ACTION : I am requesting that CFPB : 1. Investigate all furnishers reporting false information.

2. Require validation of each account and inquiry.

3. Order deletion of any item that can not be proven with real documentation.

4. Ensure compliance with FCRA accuracy and permissible-purpose laws.

5. Stop further illegal reporting and prevent ongoing credit damage.

I certify that all information in this complaint is accurate to the best of my knowledge.

Please take immediate action to protect my consumer rights under federal law.

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