Consumer complaint received 2025-10-21 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 submitting this complaint regarding multiple inaccurate and unverifiable items reported on my credit report. These items are negatively impacting my creditworthiness, and I am requesting immediate investigation and resolution. 
XXXX XXXX Account XXXX. XXXX CHARGE OFF High Balance : {$480.00} | Date Opened : XX/XX/XXXX This account is reported as a Charge Off, which is entirely inaccurate. I have no recollection or record of this account ever being delinquent or charged off. The information being reported appears to be mixed or misreported data that does not belong to me. The reporting of a false charge-off status is a serious violation of FCRA XXXX ( b ), which requires that all information furnished be accurate and verifiable. I demand that this account be deleted or corrected immediately as the furnisher has failed to provide any valid documentation proving my liability or authorization for this account. 
XXXX XXXX Account XXXX. XXXX CHARGE OFF High Balance : {$18000.00} | Date Opened : XX/XX/XXXX This account is showing a charge-off status, which is inaccurate and damaging. I have no record of ever being late or in default with this company, nor have I received any valid verification of this debt. The reported information is misleading and unverifiable, violating FCRA XXXX ( a ), which requires proper reinvestigation of disputed information. Until such verification can be produced with my signature and supporting documents, this account must be deleted immediately. 
XXXX XXXX ACCOUNT High Balance : {$290.00} | Date Opened : XX/XX/XXXX This account is also completely unfamiliar to me. I have never received any bill, notice, or correspondence regarding this debt. The creditor has not verified this account to me, and therefore, the reporting is unlawful under FCRA XXXX and FDCPA XXXX ( b ). This is a clear case of inaccurate and unverified reporting that must be removed immediately from my credit file. 
XXXX  XXXX XXXX ACCOUNT High Balance : {$450.00} | Date Opened : XX/XX/XXXX I have no knowledge of this account and have never entered into any agreement with XXXX  XXXX. The account appears to be either a case of mistaken identity or erroneous reporting. Under FCRA XXXX ( a ) and FDCPA XXXX ( b ), I am requesting full verification of this account, including signed agreements and detailed balance history. Until such documentation is provided, this collection account must be deleted immediately. 
XXXX XXXX ACCOUNT High Balance : {$960.00} | Date Opened : XX/XX/XXXX I have no record of this debt and have never been contacted by XXXX regarding any obligation. Reporting this account without verification violates FCRA XXXX and FDCPA XXXX ( b ). I am demanding that this account be removed immediately unless verifiable documentation proving my liability is provided. 
XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I have never applied for credit with this company, and this inquiry is unauthorized. Per FCRA XXXX ( a ), this inquiry is invalid and must be removed. 
XXXX XXXX XXXX HARD INQUIRY Date : XX/XX/XXXX I do not recognize this inquiry and did not provide authorization. Under FCRA XXXX ( a ), any inquiry without consent is unlawful. XXXX removal is required. 
XXXX XXXX XXXX INQUIRY Date : XX/XX/XXXX I did not authorize this inquiry. This entry is inaccurate and must be deleted under FCRA XXXX ( a ). 
XXXX XXXX XXXX XXXXe : XX/XX/XXXX I have no knowledge of this inquiry and did not consent. This is a violation of FCRA XXXX ( a ) and must be removed. 
XXXX XXXX HARD INQUIRIES Dates : XX/XX/XXXX These inquiries were never authorized. Under FCRA XXXX ( a ), I demand deletion unless proper documentation proving authorization is provided. 
XXXX HARD XXXX Date : XX/XX/XXXX This inquiry is reported without my authorization. XXXX removal is required per FCRA XXXX ( a ). 
XXXX XXXX HARD INQUIRY Date : XX/XX/XXXX I did not authorize this inquiry. Under FCRA XXXX ( a ), this entry is invalid and must be removed. 
Summary of Requests : Immediate deletion of unverifiable collection accounts ( PORTFOLIO XXXX, XXXX ). 
Investigation of all unauthorized hard inquiries. Removal if consent/authorization can not be verified. 
Written confirmation of the investigation results and an updated credit report reflecting corrections/deletions. 
These inaccuracies are causing damage to my credit report, and continued reporting of unverifiable or unauthorized items XXXX constitute willful noncompliance under FCRA XXXX and XXXX, which XXXX result in legal action. 
Thank you for your prompt attention to 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