Consumer complaint received 2025-08-12 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 Consumer Financial Protection Bureau ( CFPB ) to formally dispute inaccurate information and unauthorized activities appearing on my credit report. Despite my previous attempts to resolve these errors with the credit reporting agencies and furnishers, the incorrect data remains, causing harm to my credit profile and financial opportunities. I rely on the CFPB to enforce the Fair Credit Reporting Act ( FCRA ) and protect consumers from unfair and inaccurate credit reporting practices. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Law : Fair Credit Reporting Act ( FCRA ) Section XXXX - requires accurate reporting of addresses and timely reinvestigation of disputed information. 
Issue : This address is inaccurate or does not belong to me. Its presence harms the accuracy of my credit report and may cause confusion or misidentification. 
Story : I have never lived at or authorized the reporting of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX. I request a thorough reinvestigation and removal of this incorrect address to ensure my credit file is accurate and fair. 

Address : XXXX XXXX XXXX XXXX, TX XXXX XXXX : FCRA Section 611 - obligation to maintain only accurate and verifiable address information. 
Issue : The address XXXX XXXX XXXX XXXX XXXX, TX XXXX is incorrectly reported on my credit file. 
XXXX : This address does not belong to me and has never been my residence. This erroneous information misrepresents my credit history and must be removed immediately. 

Account : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Chargeoff * * Law : FCRA Section 609 and 611 - right to dispute inaccurate or unverifiable account information ; obligation of furnisher and CRA to verify accuracy. 
Issue : The chargeoff status or balance on this account is inaccurate/unverifiable. 
Story : I dispute the accuracy of the reported chargeoff balance of {$13000.00} with XXXX XXXX XXXX on my credit report. I request a detailed validation of this debt or its deletion if verification can not be provided as required under FCRA. 

Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Collection * * Law : FCRA Section 611 - obligation to verify accuracy of collections and report only verifiable information. 
Issue : The collection account reported by XXXX is inaccurate or has incorrect balance information. 
Story : I dispute the collection account reported by XXXX with a balance of {$160.00}. I have not been provided with sufficient proof or validation of this debt and request immediate reinvestigation and deletion if unverifiable. 

Inquiry : XXXX XXXX XXXX : XX/XX/XXXX Law : FCRA Section 604 - requires that all inquiries have proper consumer authorization. 
Issue : The inquiry from XXXX XXXX XXXX XX/XX/XXXX was not authorized by me. 
Story : I have no recollection or record of authorizing this inquiry and request verification or deletion if no proof of authorization is found. 

I respectfully urge the Consumer Financial Protection Bureau to take action to ensure that my rights under the Fair Credit Reporting Act are enforced. I seek a full and fair reinvestigation of all disputed items, correction or deletion of inaccurate information, and removal of unauthorized inquiries. These corrections are necessary to restore the integrity of my credit report and protect my financial reputation. Thank you for your prompt attention and assistance in resolving these serious matters.

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