Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against several companies and data furnishers who have reported inaccurate, unauthorized, and unverifiable information to the credit bureaus under my credit file. These entries have caused serious harm to my credit reputation and financial standing. 
Below are the specific items in question : THE FOLLOWING ADDRESSES ARE WRONG AND MUST BE REMOVED IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX, TX XXXX Wrong Address These addresses have no relation to me, and I never lived or received mail at any of them. Their continued appearance is damaging and raises identity concerns. As per FCRA XXXX ( a ) ( XXXX ), remove all of them immediately. 
THE FOLLOWING ACCOUNTS ARE BEING REPORTED INCORRECTLY AND MUST BE INVESTIGATED OR DELETED : XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$320.00} | Status : Charge Off * * I have no knowledge of this account or any charge-off. No agreement, billing statement, or validation has been provided. Please delete immediately under FCRA XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX Acct # XXXX | Date Opened : XX/XX/XXXX | Balance : {$11000.00} | Status : Charge Off * * No contract or documentation connects me to this account. The reporting of this alleged charge-off is unverifiable and misleading. Delete or fully verify per FCRA XXXX ( a ) ( XXXX ). 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge Off * * The report shows a {$0.00} balance yet remains marked as a charge-off, which is inaccurate and contradictory. This must be corrected or deleted under FCRA XXXX ( b ). 
XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge Off * * I have no relationship or agreement with this company. No validation was provided. This may indicate identity misuse. Remove this immediately. 
XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$4900.00} | Status : Charge Off * * I dispute this entire account. No valid evidence exists proving this debt is mine. Continued reporting violates FCRA XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX, XXXX Acct # XXXXXXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment * * I have never made a late payment on this account. Reporting me as delinquent is inaccurate and must be corrected under FCRA XXXX ( a ). 
XXXX Acct # XXXXXXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Late Payment * * This is falsely reported as late. I have always paid on time, and there is no valid proof supporting this status. Update to reflect timely payment history. 
XXXX XXXX, XXXX Acct # XXXXXXXX XXXX  | Date Opened : XX/XX/XXXX | Balance : {$5000.00} | Status : Late Payment * * The late payment record is inaccurate and unsupported. XXXX has failed to verify accuracy. Must be updated or deleted immediately. 
XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$890.00} | Status : Charge Off * * I have no knowledge or record of this account. I never opened or authorized any loan or credit line with this lender. The report of a charge-off is false and unverified. Under FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers may not report information they know or have reasonable cause to believe is inaccurate. Please delete this immediately. 
FAIR COLLECTIONS & OUT Acct # XXXX | Date Opened : XX/XX/XXXX | Balance : {$3400.00} | Status : Collection * This collection is being reported without proper verification or notice of debt validation. I never received any correspondence regarding this alleged account. It must be deleted under FCRA XXXX ( a ) ( XXXX ) and FDCPA XXXX ( b ). 
XXXX XXXX XXXX Acct # XXXX * | Date Opened : XX/XX/XXXX | Balance : {$1400.00} | Status : Collection * * I do not recognize this collection account. There has been no communication, validation letter, or evidence linking me to this alleged debt. Continuing to report unverifiable information constitutes willful noncompliance under FCRA XXXX and XXXX. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$110.00} | Status : Charge Off * * have never held or authorized this XXXX XXXX account. There is no contract, billing record, or payment history to prove it belongs to me. Continued reporting of unverified information violates FCRA XXXX ( a ) ( XXXX ) ( A ) and must be deleted immediately. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge Off * * This account shows a {$0.00} balance yet is listed as a charge-off, which is factually inconsistent and misleading. There is no validation or record linking this account to me. It must be deleted under FCRA XXXX ( b ) for accuracy. 
UNAUTHORIZED OR QUESTIONABLE HARD INQUIRIES The following inquiries were made without my permission or any legitimate credit application. I have no knowledge of these entities accessing my report, and no written consent was ever provided. Reporting unauthorized inquiries violates FCRA XXXX ( a ) ( XXXX ). 
XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX CO XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XX/XX/XXXX SVC XX/XX/XXXX Unauthorized Inquiry XXXX XXXX SERVICE XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Under FCRA XXXX ( a XXXX XXXX XXXX are legally obligated to perform a reasonable reinvestigation of these items within 30 days of receiving this letter. If any information can not be verified through original source documentation, it must be deleted immediately. Additionally, per FCRA XXXX ( a ) ( XXXX ), I am requesting that you provide all documentation and records used to verify the above accounts and inquiries. 
Requested Action : I am requesting the CFPB to conduct a full investigation into these inaccurate and unauthorized items. Please ensure that the data furnishers and credit bureaus provide proper verification, proof of permissible purpose, and legal documentation for each account and inquiry. If they can not substantiate these entries with verifiable evidence, I request their immediate deletion from all consumer reporting agencies. 
This complaint is being filed under the protections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I expect a thorough investigation and written confirmation once this matter has been resolved. 
Thank you for your time and attention to this serious 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