Consumer complaint received 2025-11-06 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 writing to file a formal complaint against the inaccurate and misleading information being reported on my credit file by certain furnishers and credit reporting agencies. These inaccuracies have caused significant harm to my credit reputation and must be investigated and corrected immediately under the Fair Credit Reporting Act ( FCRA ). 

Below are the specific items in dispute : 1. Wrong Addresses Reported XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have no association or connection with this address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no association or connection with this address. 

These addresses are completely inaccurate and must be deleted from my credit file. I have never lived at, used, or been affiliated with these locations. Reporting wrong addresses can lead to identity confusion and potential fraud risk.

2. Late Payment Accounts ( Incorrect Reporting ) XXXX XXXX XXXX XXXX  High Balance : {$210000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Both of these accounts are being reported with late payments, which is completely false. I have never made a late payment on any of my accounts. The reported payment history is inaccurate and misleading. I am requesting that the credit bureaus and the furnishers immediately correct these inaccuracies and update my report to reflect a perfect payment history.

3. Collection/Charge-Off Accounts ( Unknown Accounts ) XXXX XXXX XXXX XXXX  High Balance : {$4600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX High Balance XXXX {$190.00} Date Opened : XX/XX/XXXX I have no knowledge of these accounts and have never conducted any business with these companies. These entries appear to be either identity theft or reporting errors. They are damaging my creditworthiness and must be deleted immediately for being unverifiable and inaccurate. 

XXXX. Unauthorized Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize these hard inquiries. They were made without my consent, and under FCRA guidelines, any inquiry that was not explicitly authorized by me must be removed from my credit file immediately. 

Requested Resolution I am requesting the CFPB to : Investigate these accounts and inquiries for full compliance with the Fair Credit Reporting Act. 

Require the furnishers and credit reporting agencies to delete or correct all inaccurate, unverified, and unauthorized information listed above. 

Ensure all updates and deletions are reflected across XXXX, Experian, and XXXX. 

Provide me with written confirmation of the findings and actions taken. 

These errors have negatively impacted my credit profile, causing unnecessary stress and financial difficulty. I am attaching supporting documentation and copies of my credit report highlighting the disputed items for your reference. 

Thank you for your prompt attention to this matter. I look forward to a thorough investigation and immediate correction of these inaccuracies.

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