Consumer complaint received 2025-10-27 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:
b'Dear Consumer Financial Protection Bureau,\nI am filing this formal complaint against Experian Information Solutions, Inc., along with several creditors and collection agencies, for knowingly reporting inaccurate, unverifiable, and damaging information on my credit report. These entities have violated multiple sections of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) by reporting false data, failing to validate debts, and neglecting to correct information after being disputed.\nDespite my repeated attempts to resolve these issues directly with Experian and the furnishers, the following accounts continue to be reported inaccurately and are causing significant harm to my creditworthiness, financial stability, and emotional well-being.XXXX XXXX XXXX XXXX XXXX XXXX  Wrong AddressXXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\nThese addresses do not belong to me and may have contributed to mixed or fraudulent reporting.\nNow, regarding the following accounts and inaccuracies:XXXX XXXX Date Opened: XXXX  High Balance: $XXXX   Charge Off\nI have no knowledge of this account and never opened any XXXX XXXX account. Please provide full documentation and proof of ownership or remove it from my report.XXXX XXXX Date Opened: XXXX  High Balance: $XXXX   Charge Off\nThis account is inaccurate. I have no recollection of it, and it must be deleted immediately if not verifiable with original signed records.XXXX XXXX XXXX  Date Opened: XXXX  High Balance: $XXXX  Charge Off\nThis account was reported as charged off, but I have no record or association with it. It appears to be a mixed-file error and should be removed.XXXX XXXX Date Opened: XXXX  High Balance: $XXXX   Late Payment\nThis account incorrectly shows late payments. I have never made any late payments on this account. Please investigate and correct the payment history.\nDPT EDXXXX XXXX Date Opened: XXXX  High Balance: $XXXX  Late Payment\nThe reported late payments are false. I have always made on-time payments and request full correction of payment history.\nDPT EDXXXX XXXX  Date Opened: XXXX   High Balance: $XXXX  Late Payment\nThis account shows inaccurate late payment reporting. Please verify and correct it.\nDPT EDXXXX XXXX Date Opened: XXXX   High Balance: $XXXX  Late Payment\nThis entry is falsely marked with delinquencies. Please investigate and ensure full correction.\nDPT ED/XXXX XXXX Date Opened: XXXX  High Balance: $XXXX   Late Payment\nIncorrectly reported late payments. Please remove or fix this reporting error immediately.XXXX XXXX XXXX XXXX Date Opened: XXXX  High Balance: $XXXX   Charge Off\nI have no record of this account. It is unverified and should be deleted.XXXX XXXX Date Opened: XXXX  High Balance: $XXXX   Charge Off\nThis is false information. I do not owe this debt. Please delete it from my report unless verifiable by original signed contract.XXXX XXXX Date Opened: XXXX  High Balance: $XXXX   Late Payment\nI dispute the accuracy of the reported late payment history. I have no verified record of any delinquency with this creditor. Please update to reflect accurate payment history.XXXX XXXX XXXX XXXX XXXX  Date Opened: XXXX  High Balance: $XXXX  Charge Off\nThis account is completely unrecognized. I have never entered into any contract or financing agreement with XXXX XXXX. Delete this unverifiable account from my report immediately.XXXX XXXX XXXX XXXX Date Opened: XXXX   High Balance: $XXXX  Collection\nI dispute this collection. I have never received notice or proof of debt from XXXX XXXX XXXX This appears to be inaccurate or duplicate reporting and must be deleted.XXXX XXXX XXXX  Date Opened: XXXX  High Balance: $XXXX   Collection\nThis collection is entirely inaccurate. I have no relationship with XXXX  and never received any validation of this debt. Please remove it immediately.XXXX XXXX XXXX Date Opened: XXXX   High Balance: $XXXX  Collection\nI dispute the validity of this account. I do not owe this debt, and no signed documentation has been provided. Delete this entry at once.XXXX XXXX XXXX  Date Opened: XXXX  High Balance: $XXXX   Collection\nThis collection is completely unfamiliar. I have no record or knowledge of this debt. It must be deleted as unverified and inaccurate.XXXX XXXX Date Opened: XXXX  High Balance: $XXXX   Collection\nI have never conducted any business with this creditor. This collection account is invalid and must be removed for non-verification.XXXX XXXX  Date Opened: XXXX  High Balance: $XXXX   Collection\nI have no knowledge of this collection and never received any notice from this agency. This violates my rights under the FCRA and FDCPA. Please delete this unverifiable entry immediately.\nIn addition, there are multiple unauthorized inquiries that I did not approve. These inquiries were made without my consent and are in violation of FCRA 604. They must be removed immediately: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 XXXXI never authorized these inquiries, nor did I apply for any credit accounts with these entities. They are causing unnecessary harm to my credit and must be deleted immediately.\nSummary of Violations:\n1.\tFCRA 602(A): Experian failed to maintain fair and accurate credit reporting practices.\n2.\tFCRA 607(B): Failure to ensure maximum possible accuracy by reporting false, outdated, and duplicate data.\n3.\tFCRA 611: Failure to reinvestigate and correct disputed items within the required 30-day period.\n4.\tFDCPA 809: Debt collectors failed to provide written validation notices prior to reporting alleged debts to the bureaus.\nThese violations have caused me financial and emotional distress, including being denied credit opportunities, experiencing higher interest rates, and suffering reputational harm due to false reporting. I have made multiple good-faith efforts to have these inaccuracies corrected, but Experian and the listed furnishers continue to ignore federal compliance obligations.\nRequested Relief:\n\tImmediate removal of all unverified, duplicate, and inaccurate accounts listed above.\n\tWritten confirmation that each account has been deleted or fully verified with original documentation.\n\tFull investigation into Experians failure to comply with FCRA requirements.\n\tAppropriate enforcement action against the furnishers involved in reporting these false entries.\nI respectfully request that the CFPB review this complaint and hold these entities accountable for their ongoing violations of federal consumer protection laws. These false reports have damaged my credit standing and personal financial integrity.\nThank you for your time, attention, 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