Consumer complaint received 2025-10-13 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 filing this formal complaint against multiple furnishers and credit reporting agencies due to serious, inaccurate, and harmful reporting on my consumer credit file. These errors are not only misleading but also violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ). 

1. Wrong Addresses Reported The following addresses are being falsely reported on my credit file, which I have never lived at nor been associated with : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX These are completely inaccurate and must be deleted immediately. 

2. Inaccurate Account Reporting The following accounts are being wrongly reported as Charge Offs or Late Payments, many with {$0.00} balances but still negatively impacting my credit profile. This is misleading, incomplete, and violates the FCRAs requirement for accuracy and completeness : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This is inaccurate, misleading, and damaging. I did not authorize nor confirm this bankruptcy entry. 

4. Improper Inquiries The following inquiries are reported without proper authorization or permissible purpose under FCRA 604 : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are unauthorized and should be deleted immediately. 

Relief Requested I demand that the CFPB : Investigate these reporting errors with the relevant furnishers and credit bureaus. 

Require deletion of all inaccurate addresses. 

Remove or correct all accounts inaccurately listed as Charge Offs, Late Payments, or with {$0.00} balances. 

Delete the unauthorized bankruptcy entry. 

Remove all unauthorized credit inquiries. 

Enforce compliance with the FCRA and FDCPA against the reporting furnishers and credit bureaus. 

These errors are severely damaging my credit reputation, ability to obtain housing, employment, and fair credit. I request urgent action from the CFPB to ensure my credit file is corrected and that furnishers are held accountable for these violations.

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