Consumer complaint received 2025-10-20 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against several credit reporting entries and inquiries that are being inaccurately reported and/or were conducted without my authorization. These items are damaging my credit profile and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
After thoroughly reviewing my credit reports from the major credit bureaus, I have identified the following accounts and inquiries that are either inaccurate, unverifiable, duplicated, or unauthorized : WRONG ADDRESSES REPORTED ( VIOLATION OF FCRA 609 & 610 ) : These addresses are incorrect and must be removed immediately from my file as I have no association with them whatsoever : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXX XXXX, XXXX, TX XXXX XXXX Address Their presence indicates possible identity misuse or mixed file contamination which violates FCRA XXXX ( b ) accuracy standards. 
DISPUTED ACCOUNTS ( FCRA 611 INACCURATE OR UNVERIFIED INFORMATION ) : XXXX XXXXXXXX * Charge Off Date Opened : XX/XX/XXXX High Balance : {$0.00} This account is completely unfamiliar to me. I never opened or authorized any account with this company. The reporting of this charge-off is inaccurate and must be deleted immediately. 
XXXX XXXX XXXX XXXX * Charge Off Date Opened : XX/XX/XXXX High Balance : {$19000.00} I have no knowledge or agreement with this creditor. Reporting a {$19000.00} charge-off without my consent is false and violates FCRA 623 ( a ) ( 1 ) ( A ). Remove this account immediately. 
XXXX XXXX * Charge Off Date Opened : XX/XX/XXXX High Balance : {$0.00} This account does not belong to me. I never signed or approved any agreement with this creditor. Please delete it as unverified. 
XXXX XXXX * * Late Payment Date Opened : XX/XX/XXXX High Balance : {$0.00} The late payments reported are false. I always made timely payments, and no documentation exists supporting any delay. Please correct the status to Paid as Agreed. 
HORSEPOWER * * * * Charge Off Date Opened : XX/XX/XXXX High Balance : {$17000.00} This account is false and unauthorized. I never had any dealings with this company. Please delete this entry under FCRA XXXX. 
XXXX XXXX * Late Payment Date Opened : XX/XX/XXXX High Balance : {$61000.00} My student loan payments were either current or under deferment. The reported late payments are false and should be corrected immediately. 
XXXX XXXX * * Charge Off Date Opened : XX/XX/XXXX High Balance : {$470.00} I do not recognize this account and never authorized any credit relationship with this entity. Delete immediately as it is unverified. 
XXXX XXXX Late Payment Date Opened : XX/XX/XXXX High Balance : {$0.00} This late payment report is inaccurate. I have maintained consistent payments. Correct this information to show on-time payment history. 
XXXX XXXX * Charge Off Date Opened : XX/XX/XXXX High Balance : {$0.00} This is not my account. Reporting it as a charge-off is false and must be deleted from my credit file. 
NATIONAL CREDIT ADJUST XXXX * Collection Date Opened : XX/XX/XXXX High Balance : {$590.00} I have no debt with this collector or its affiliates. This false collection violates FCRA XXXX and FDCPA XXXX ( b ). Please delete this account immediately. 
XXXX XXXX XXXX XXXX * * * Collection Date Opened : XX/XX/XXXX High Balance : {$620.00} This collection is inaccurate, unverified, and unauthorized. I never owed or made any agreement with this company. Please remove it as required by FCRA XXXX. 
XXXX XXXX XXXX XXXX * * Collection Date Opened : XX/XX/XXXX High Balance : {$12000.00} * * I have no knowledge of this account. I never authorized or entered into any agreement with XXXX XXXX XXXX. Reporting this account is false and violates FCRA XXXX ( a ) ( XXXX ) ( A ). Please provide original proof of contract or delete immediately. 
XXXX XXXX * * Charge Off Date Opened : XX/XX/XXXX High Balance : {$0.00} * * This account does not belong to me. I have never held a credit account with this company. Reporting this charge-off is inaccurate and must be permanently removed under FCRA 611 . 
XXXX XXXX XXXX XXXX * Collection Date Opened : XX/XX/XXXX High Balance : {$390.00} * * I have never opened or been notified of this debt. No original agreement or validation was ever provided. This entry is unverified and must be deleted immediately. 
XXXX XXXX * Collection Date Opened : XX/XX/XXXX High Balance : {$260.00} * * I am disputing this account in full. I have never authorized or opened any account with XXXX XXXX. Reporting this item without verification violates my rights under FCRA XXXX. 
XXXX XXXX * XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$740.00} * * This account is entirely inaccurate. I have no knowledge of this company or any debt associated with them. Please delete this immediately as it appears to be a mixed file or identity error. 
XXXX XXXX  XXXX * Collection Date Opened : XX/XX/XXXX High Balance : {$210.00} * * I am disputing this collection as I never received any validation notice or agreement proving that this debt belongs to me. Please remove it as unverified. 
XXXX XXXX * XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$5200.00} * * This account is not mine. I never authorized or signed for any obligation with this company. Reporting it is false and misleading under FDCPA XXXX. 
XXXX XXXX Collection Date Opened : XX/XX/XXXX High Balance : {$1000.00} * * This collection entry is not mine. I never authorized any account with XXXX XXXX. Please delete this item immediately as it is unverified and damaging to my report. 
XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX High Balance : {$980.00} * * This account is inaccurate and unverified. I never authorized or opened any account with this company. Please delete it as unverifiable under FCRA XXXX. 
XXXX XXXX XXXX Collection Date Opened : XX/XX/XXXX High Balance : {$980.00} * * This duplicate entry further proves inaccuracy in reporting. The same account appears twice, which violates FCRA 607 ( b ) requiring accurate and non-duplicative reporting. Please remove this duplicate record immediately.

UNAUTHORIZED HARD INQUIRIES ( FCRA 604 LACK OF PERMISSIBLE PURPOSE ) : The following inquiries were made without my knowledge, authorization, or any legitimate business purpose. These inquiries are damaging my credit profile and were never approved by me. As required under FCRA 604 ( a ) ( 2 ) and 615 ( b ), I demand deletion of these unauthorized inquiries immediately : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX All of the above inquiries appear to have been performed by automobile lenders, financial services, or credit entities with whom I have no business relationship, loan, or consent. These inquiries were made without permissible purpose and therefore constitute a violation of FCRA 604 and 607 ( a ).

Summary of My Request : XXXX. Investigate and delete any unverifiable or duplicate collection accounts listed above. 
XXXX. Require the furnishers of the inquiries to provide proof of permissible purpose or delete the inquiries immediately. 
XXXX. Ensure that my consumer rights under the FCRA ( Sections 604, 607, 609, and 611 ) and FDCPA ( Section 809 ) are fully enforced. 
XXXX. Provide written confirmation of the outcome and actions taken by the bureaus and furnishers. 
These inaccurate and unauthorized entries have negatively affected my creditworthiness and caused significant stress and harm. I am requesting your offices assistance to ensure full compliance and fair correction of my credit file. 
Thank you for your time and attention to this matter. I trust that the CFPB will ensure these violations are properly addressed and that my rights as a consumer are protected.

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