Consumer complaint received 2025-10-06 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 filing this formal complaint regarding multiple unverified, inaccurate, and unauthorized accounts and hard inquiries appearing on my credit report. These entries violate the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611 and the Fair Debt Collection Practices Act ( FDCPA ). I dispute the validity of each account or inquiry listed below, as I either have no knowledge of them, never authorized them, or they are inaccurately reported. I demand immediate investigation, verification, correction, or deletion. 
XXXX XXXX XXXXXXXX XXXX  High Balance : XXXX Date Opened : XX/XX/XXXX Charge Off I have never opened this account, authorized any charges, or received statements related to this account. The reporting of a Charge Off is completely false. This inaccurate reporting has caused stress, sleepless nights, and difficulty in pursuing financial opportunities including loans and credit approvals. The inclusion of this account is a clear example of negligent reporting and violates my rights under the FCRA. I request full deletion of this account from my credit file immediately. 
XXXX XXXX XXXX XXXX XXXX  High Balance : XXXX Date Opened : XX/XX/XXXX Charge Off This account is completely unknown to me. I have never interacted with this creditor, never received any bills or communications, and never consented to its opening. Reporting it as Charge Off without verification is fraudulent and misleading. The false reporting has affected my creditworthiness, causing potential denial of financial services and unjust embarrassment. Immediate removal is required to restore accuracy to my credit report. 
XXXX XXXX XXXX XXXX XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Charge Off These XXXX XXXX  accounts are inaccurately reported as Charge Off. I have never received any notice, bill, or communication regarding these balances. The reporting of unverified Charge Offs is a violation of FCRA and has negatively impacted my credit score. I am extremely concerned about how these unverified accounts were allowed to remain on my credit file for years. I request immediate deletion or proper verification with legally binding proof of my responsibility, which I believe does not exist. 
XXXX XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Late Payment I have always made payments on time and have never received any delinquency notice from this creditor. Reporting a late payment is completely inaccurate. This false report could lead to higher interest rates, credit denials, and unwarranted stress. I request immediate correction to reflect my true payment history, which is fully current. 
XXXX XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Charge Off This account is unknown to me, and the Charge Off reporting is completely false. I have never received statements, calls, or any communication regarding this account. Its presence on my report is misleading, fraudulent, and damaging. I demand immediate deletion to prevent further unjust impact on my credit report and financial opportunities. 
XXXX XXXX XXXX XXXX High Balance : XXXX  Date Opened : XX/XX/XXXX Charge Off I do not recognize this account and have no record of opening it or receiving any bills. Reporting this as a Charge Off is a serious violation of my rights and has caused significant financial and emotional distress. The false reporting undermines my creditworthiness and misleads any lender reviewing my file. Immediate removal is necessary to correct the record and prevent further harm. 
XXXX XXXXXXXX XXXX XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Late Payment This account has been falsely reported as having late payments. I have never missed or delayed a payment. The inaccurate reporting misrepresents my financial responsibility and could negatively affect my credit applications. I request a correction to reflect accurate, timely payment history and remove the false late payment status. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  I do not recognize this account and have never received statements, notices, or any communication regarding it. Reporting it as a collection is false, misleading, and damaging to my creditworthiness. The presence of this account has caused undue stress and potential denial of credit opportunities. I demand immediate deletion. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I never authorized a hard inquiry from this company. Unauthorized inquiries violate FCRA Section 604 and negatively affect my credit score. Immediate removal of this inquiry is requested. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was not authorized by me. I have no relationship with this company, and the inquiry is fraudulent. I request immediate removal to prevent further harm. 
XXXX XXXX XXXXXX/XX/XXXX Inquiry I never applied for credit or authorized any inquiry with this creditor. Reporting an unauthorized inquiry is illegal and damaging. Immediate deletion is demanded. 
XXXX XXXX XX/XX/XXXX Inquiry This hard inquiry is completely unauthorized. I have never sought credit from this entity. Removal is required to correct my credit report. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry, nor do I recognize any account with this company. Reporting this inquiry is misleading and harmful. I demand deletion. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized. I did not apply for credit here, and the report is false. Removal is required. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I have never authorized this inquiry. Reporting it falsely impacts my credit score. Immediate removal is demanded. 
XXXXXXXX XXXX XXXX XXXXXXXX This inquiry is unauthorized. I did not apply for credit at XXXX XXXX. Removal is required. 
All of the above accounts and inquiries collectively demonstrate a pattern of inaccurate, unverified, and unauthorized reporting. These entries have caused stress, credit denials, and potential financial harm. I demand that each account and inquiry listed above be investigated, verified with legally binding documentation, and either corrected or permanently removed as required under FCRA Section 611.

I expect written confirmation of deletion or correction for each entry within the 30-day investigation period as mandated by federal law. Failure to comply will leave me no option but to pursue legal remedies to enforce my rights.

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