Consumer complaint received 2025-10-21 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 regarding numerous inaccuracies and unauthorized items being reported on my credit profile by various furnishers and creditors. These inaccurate entries have caused significant harm to my credit reputation, financial standing, and overall well-being. 

Below are the specific issues that must be investigated : XXXX. Incorrect Personal Information / Wrong Addresses The following addresses are being reported on my credit report, and I have never lived at nor been associated with these locations : XXXX Walnut, XXXX, CA XXXX Wrong Address XXXX XXXX, XXXX XXXX, TX XXXX Wrong Address These incorrect addresses indicate a failure to properly verify identifying information and create serious concerns of mixed or commingled files under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Erroneous and Potentially Unverified Charge-Off Accounts The following creditors are reporting charge-offs that I dispute as inaccurate, incomplete, and unverified under FCRA 611 and 623 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off These accounts appear to be inaccurately reported and not properly validated in accordance with FCRA and CFPB guidelines XXXX I request full verification documentation, including signed contracts, billing statements, and proof of ownership, or their immediate removal from all credit bureaus. 

XXXX. Excessive and Unauthorized Hard Inquiries The following inquiries appear without proper authorization or permissible purpose as defined under FCRA 604 : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries appear excessive, repetitive, and potentially unauthorized, suggesting violations of FCRA 604 ( a ) ( 3 ). Such inquiries harm my credit score and indicate potential misuse of my personal information. 

Requested Action I am requesting the CFPB to : Conduct a full investigation into the accuracy and legitimacy of the above accounts and inquiries. 

Compel the furnishers and credit bureaus to provide verified documentation supporting these entries. 

Require immediate deletion of any unverifiable or inaccurate information from my credit report. 

Ensure that all furnishers and credit bureaus are compliant with FCRA, FDCPA, and CFPB regulations. 

Summary These errors and unauthorized activities are causing serious financial and emotional distress. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and demand prompt corrective action. 

I request written confirmation once the investigation begins and a copy of all findings upon completion.

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