Consumer complaint received 2025-08-30 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 to the CFPB to address multiple inaccuracies, fraudulent entries, and misreported accounts on my credit report. These errors are severely impacting my creditworthiness, ability to obtain financial products, and overall financial reputation. Despite my efforts to resolve these disputes directly with the credit bureaus and creditors, the inaccuracies persist. I am requesting the CFPBs oversight and intervention to ensure full compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to hold all relevant parties accountable for reporting accurate information. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address has never been associated with me in any form. Reporting inaccurate addresses can create confusion, lead to potential identity theft, and mislead lenders regarding my residency. FCRA Section 609 guarantees the right to accurate disclosures, and Section 611 requires the removal of unverifiable information. I request verification or immediate deletion of this erroneous address. The inclusion of this address is misleading and could result in negative consequences if left uncorrected. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I have never resided or used this address for financial purposes. FCRA Section 611 mandates that any information that can not be verified must be removed promptly. Maintaining incorrect addresses undermines my credibility with lenders, negatively impacts credit scoring, and may lead to wrongful association with accounts not belonging to me. I demand deletion of this inaccurate address immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Wrong Address This address has no connection to me. Reporting it as my residence violates FCRA accuracy standards. Unverified personal information must be removed, as it can affect loan approvals, insurance decisions, and rental applications. I insist that this address be deleted immediately or corrected with verified documentation. 

XXXX XXXX XXXX XXXX, {$280.00}, Opened XX/XX/XXXX I have never opened or authorized this account. Reporting this account as a charge-off is false and a direct violation of FCRA Sections 609 and 611, which require verification of all disputed information. This inaccurate charge-off misrepresents my payment behavior, could result in denial of credit, and is causing reputational and financial harm. Immediate removal is demanded. 

XXXX XXXX XXXX XXXXXXXX Charge Off, {$1000.00}, Opened XX/XX/XXXX This account is not mine. FCRA Section 611 obligates credit bureaus to ensure all reported data is accurate. Reporting this account falsely as a charge-off negatively affects my credit score and may prevent me from securing loans or housing. I demand immediate reinvestigation and deletion of this account. 

XXXX XXXX XXXX XXXXXXXX Charge Off, {$850.00}, Opened XX/XX/XXXX This account appears to be a duplicate or misattribution. Continuing to report this inaccurate charge-off violates FCRA accuracy requirements and could have long-term consequences on my credit opportunities. I request prompt verification or removal. 

XXXX XXXX XXXX Charge Off, {$440.00}, Opened XX/XX/XXXX I have no record of this account. Maintaining this unverifiable charge-off violates FCRA Sections 609 and 611. This false reporting is harming my creditworthiness, causing emotional stress, and could result in financial loss. I demand its immediate deletion. 

XXXX XXXX XXXX XXXX, {$3000.00}, Opened XX/XX/XXXX This account does not belong to me. Misreporting an account like this is a violation of FCRA accuracy standards. The presence of this erroneous charge-off damages my credit profile, misleads potential creditors, and must be removed immediately. 
XXXX XXXXXXXX XXXX XXXX, {$880.00}, Opened XX/XX/XXXX I have never missed a payment on this account. Reporting false late payments violates FCRA Section 609, which ensures the right to accurate reporting. The inclusion of this item creates a false history of delinquency, potentially leading to higher interest rates or loan denial. I request reinvestigation and immediate correction. 

XXXX XXXX XXXX XXXX Charge Off, {$38000.00}, Opened XX/XX/XXXX I have never held this account. FCRA Sections 609 and 611 require that unverifiable accounts be removed. Reporting a fraudulent charge-off of this magnitude misrepresents my financial responsibility and has severe consequences for my creditworthiness. Immediate deletion is required. 

XXXX XXXX XXXXXXXX # XXXX XXXX Charge Off, {$700.00}, Opened XX/XX/XXXX This account is inaccurately reported. Unverified charge-offs violate FCRA standards and can negatively impact future credit approvals, employment checks, and insurance rates. Please remove immediately. 

XXXX XXXX XXXX XXXX, {$23000.00}, Opened XX/XX/XXXX The late payments listed are inaccurate. Reporting false late payments violates FCRA Section 611. This misinformation is affecting my credit evaluation for mortgages and personal loans. I request immediate verification and deletion if unverifiable. 

XXXX XXXX XXXX XXXX Late Payment, {$2300.00}, Opened XX/XX/XXXX I dispute this late payment. FCRA Sections 609 and 611 protect consumers from inaccurate reporting. This incorrect information can mislead creditors and result in higher interest rates or denial of credit. Delete or correct immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off, {$3500.00}, Opened XX/XX/XXXX This account does not belong to me. Any unverifiable information must be removed per FCRA Section 611. Continuing to report this false charge-off is damaging my credit reputation and causing unnecessary stress. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment, {$900.00}, Opened XX/XX/XXXX This late payment is incorrectly reported. Reporting false negative information violates FCRA accuracy standards and may affect my ability to secure loans or favorable credit terms. Immediate removal or correction is demanded. 

XXXX XXXX XXXX XXXX Collection, {$1700.00}, Opened XX/XX/XXXX This collection is not mine. FCRA Sections 609 and 611 require that all disputed accounts be verified. Reporting unverified collections damages my creditworthiness, misrepresents my financial behavior, and is unacceptable. Delete immediately. 

XXXX XXXX XXXX XXXX Collection, {$2100.00}, Opened XX/XX/XXXX I dispute this collection account. Any unverifiable collection violates FCRA Section 609. Maintaining this false information could prevent me from obtaining loans and negatively impact interest rates. Remove immediately. 

XXXX XXXX XXXX XXXX Collection, {$1500.00}, Opened XX/XX/XXXX This collection is inaccurately reported. I request immediate verification or deletion, as FCRA Section 611 requires removal of unverifiable accounts. 

XXXX XXXX XXXX XXXX Collection, {$460.00}, Opened XX/XX/XXXX This account is not mine. False reporting of collections violates FCRA standards and has caused reputational and financial harm. Delete immediately. 

XXXX XXXX XXXX XXXX Collection, {$370.00}, Opened XX/XX/XXXX This collection is inaccurately attributed to me. FCRA Sections 609 and 611 ensure removal of unverifiable information. I demand immediate deletion. 
XXXX XXXX XXXX XXXX Collection, {$10000.00}, Opened XX/XX/XXXX I dispute this account. Any unverifiable negative reporting violates FCRA. Maintaining this information harms my ability to access credit and must be removed immediately. 

XXXX XXXX XXXX XXXX Collection, {$440.00}, Opened XX/XX/XXXX This collection account is not mine. FCRA Sections 609 and 611 require deletion of unverifiable items. Please remove without delay. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment, {$23000.00}, Opened XX/XX/XXXX This late payment is false. Reporting inaccurate negative data violates FCRA accuracy requirements and misleads potential creditors. Immediate correction or deletion is required. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this hard inquiry, nor was I ever informed of it. Reporting an unauthorized inquiry violates FCRA Section 604, which protects consumers from credit checks without consent. The presence of this inquiry falsely suggests my interest in new credit accounts and negatively impacts my credit score. This can result in higher interest rates, loan denials, and damage to my financial reputation. I demand immediate removal of this inquiry and confirmation in writing that it has been deleted. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was performed without my knowledge or consent. Under FCRA Section 604, unauthorized inquiries are prohibited. The reporting of this inquiry misrepresents my credit activity and may harm my ability to obtain loans, mortgages, or credit cards. Maintaining this inquiry on my credit report is misleading and unlawful. I request immediate deletion and written confirmation. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry I never authorized this hard pull. FCRA Section 604 explicitly requires consumer consent prior to any inquiry. Reporting this inquiry without permission falsely suggests that I applied for credit and negatively affects my creditworthiness. It is damaging to my financial profile and must be removed immediately. Please provide written confirmation of its deletion. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not authorize this inquiry, and its reporting constitutes a violation of FCRA Section 604. Unauthorized inquiries can lower my credit score and mislead potential creditors regarding my financial activity. Maintaining this inquiry in my report is inaccurate and unlawful. I demand immediate deletion and verification of removal. 

XXXX XXXX XX/XX/XXXX XXXX This inquiry was conducted without my consent. Section 604 of the FCRA protects me from such unauthorized access. The existence of this inquiry falsely implies I sought new credit, which negatively affects my credit profile and lending opportunities. Immediate removal is required, with written confirmation of deletion. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry I never provided authorization for this inquiry. Under FCRA Section 604, all hard inquiries require consumer consent. The reporting of this unauthorized inquiry misrepresents my credit activity and can result in higher loan costs or denial of credit. I demand immediate removal and confirmation in writing. 

XXXX XXXX XXXX XX/XX/XXXX XXXX This hard inquiry was performed without my permission. FCRA Section 604 protects consumers from unauthorized credit checks. The inclusion of this inquiry negatively impacts my credit score and misleads potential lenders. Immediate deletion is required, and I request written verification of its removal. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. Reporting it violates FCRA Section 604. Unauthorized inquiries can cause reputational and financial harm by implying credit applications I did not make. I demand immediate removal and written confirmation that this inquiry has been deleted from my credit report. 

I am requesting that the CFPB take immediate action to address these inaccuracies. All inaccurate addresses and account entries should be fully reinvestigated and corrected or removed in accordance with the FCRA. I also request the CFPB to provide confirmation of actions taken and updated credit report copies reflecting the corrected information. My intent is to ensure fair, accurate, and legally compliant credit reporting, and I trust the CFPB will enforce these rights on my behalf.

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