Consumer complaint received 2025-11-04 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:
Dear CFPB Representative, I am submitting this complaint regarding multiple inaccurate and unauthorized items being reported on my credit reports by various furnishers and credit reporting agencies ( Experian, Equifax, and TransUnion ). Despite my efforts to dispute these accounts directly with the credit bureaus, the inaccurate information remains and continues to harm my credit profile. 
XXXX. Incorrect Personal Information The following addresses are being reported on my credit file but are completely incorrect and have no association with me. Please remove them immediately : XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address My correct address is listed above in the header. 
Inaccurate Account Information Please investigate and remove/correct the following accounts, as I have no knowledge of these charge-offs or collection accounts, and/or the payment history being reported is incorrect. 
XXXX XXXX ( Acct : XXXX * ) High Balance : {$430.00} | Date Opened : XX/XX/XXXX Reported as Charge Off I have no knowledge of this account and never authorized or maintained this account. Please delete this entry. 
XXXX ( Acct : XXXX * ) High Balance : {$120.00} | Date Opened : XX/XX/XXXX Reported as Late Payment This is inaccurate ; I have never made late payments on this account. Please correct the payment history to reflect an accurate on-time record. 
XXXX ( Acct : XXXX * ) High Balance : {$370.00} | Date Opened : XX/XX/XXXX Reported as Charge Off I have no knowledge of this account. Please provide full verification or remove this entry immediately. 
XXXX XXXX XXXX XXXX  ( Acct : XXXX * ) High Balance : {$0.00} | Date Opened : XX/XX/XXXX Reported as Charge Off I have no knowledge of this account, and it must be deleted for being inaccurate and unverifiable. 
XXXX XXXX ( Acct : XXXX * ) High Balance : {$1300.00} | Date Opened : XX/XX/XXXX Reported as Collection I have no knowledge of this account ; please remove as it can not be verified. 
XXXX XXXX XXXX ( Acct : XXXX * ) High Balance : {$150.00} | Date Opened : XX/XX/XXXX Reported as Collection I have no relationship with this company. Please delete this unverifiable entry. 
XXXX XXXX ( Acct : XXXX * ) High Balance : {$800.00} | Date Opened : XX/XX/XXXX Reported as Collection Duplicate and inaccurate entry. Please delete immediately. 
Unauthorized XXXX Inquiries The following inquiries appear on my credit file, but I did not authorize any credit applications with these entities. As such, these inquiries represent unauthorized access to my credit report and must be removed promptly. 
XXXX XXXX XXXX  Dated XX/XX/XXXX Please delete these unauthorized inquiries, as I did not give written permission for these companies to access my credit file. 
Requested XXXX I am requesting the Consumer Financial Protection Bureau to : XXXX. Investigate the reporting practices of XXXX XXXX XXXX, and XXXX for compliance with the FDCPA and FCRA. 
XXXX. Require the credit reporting agencies to remove or correct these inaccurate and unverifiable collection accounts. 
XXXX. Investigate the unauthorized inquiries made by XXXX XXXX XXXX  and XXXX XXXX and direct their immediate deletion from my credit file. 
XXXX. Ensure that all furnishers and bureaus provide documentation verifying the legitimacy of these accounts or remove them entirely. 
Enclosures : Copy of my government-issued ID Proof of current address ( utility bill or lease ) Copy of my recent credit report highlighting disputed items Thank you for your attention to this matter. I request that you initiate a full investigation and provide me with written confirmation of the results once the investigation is complete.

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