Consumer complaint received 2025-08-30 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:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is also false and has no legitimate connection to me. Under FCRA 611 ( a ), I have the right to dispute and demand correction of unverified or inaccurate information. Leaving incorrect addresses in my file misleads lenders into believing I resided there, which is a clear violation of my consumer protection rights. This information must be permanently removed. 

Accounts XXXX XXXX XXXX Charge Off High Balance : {$480.00} Date Opened : XX/XX/XXXX This account is being reported as a charge off but has not been fully verified with original documentation. Reporting a charge off without furnishing the complete payment history and contract violates FCRA Section 623 and misleads future creditors. Under FDCPA Section 807, any misrepresentation of a debt is unlawful. If the furnisher can not validate with original signed agreements and complete account history, this charge off must be deleted. 

XXXX XXXX XXXX Charge Off High Balance : {$18000.00} Date Opened : XX/XX/XXXX This charge off severely misrepresents my creditworthiness. According to FCRA Section 609, I have the right to request validation of all account details including the original signed contract, payment history, and proof of lawful reporting. If XXXX XXXX can not provide this, reporting it violates FCRA 607 ( b ). Any unverified or inaccurate reporting must be removed to maintain accuracy under federal law. 

XXXX XXXX XXXX Late Payment High Balance : {$500.00} Date Opened : XX/XX/XXXX This account is reporting late payments, but these lates are not verifiable with proper documentation. The FCRA prohibits incomplete or unverifiable payment histories. Without proof of the actual delinquency from the original creditors records, this reporting constitutes a violation of my rights under Section 611. Misleading data of this nature unfairly lowers my score and must be corrected. 

XXXX XXXX XXXX XXXX Collection High Balance : {$1200.00} Date Opened : XX/XX/XXXX This collection appears twice in my file, which is inaccurate and misleading. Duplicate reporting inflates derogatory information in violation of FCRA 607 ( b ). Furthermore, XXXX XXXX must validate with the original creditor agreement per FDCPA. If they can not, both entries must be permanently removed to prevent continued harm. 

XXXX XXXX Collection High Balance : {$290.00} Date Opened : XX/XX/XXXX This account is reporting as a collection without validation. Under FDCPA 809 ( b ), upon dispute the collector must cease collection activity until proof is provided. Reporting to the bureau without validation is unlawful. If no contract and itemized statement exist, this tradeline must be deleted immediately. 

XXXX XXXX XXXX Collection High Balance : {$450.00} Date Opened : XX/XX/XXXX This is another XXXX  XXXX  entry reporting inaccurately. Without validation under FDCPA Section 809 ( a ), this reporting can not remain. If the collector can not provide proof of ownership, original signed agreement, and itemized accounting, then this must be deleted under FCRA 611. 

XXXX XXXX XX/XX/XXXX This inquiry is inaccurate because I did not provide consent or authorization. Under FCRA 604 ( a ), creditors must show written authorization or a credit transaction initiated by me. If XXXX can not provide proof, this inquiry must be removed. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is appearing without my authorization. The FCRA protects consumers from unauthorized access to their personal data. Without proof of permissible purpose, this inquiry is unlawful and must be deleted. 

XXXX XXXX XX/XX/XXXX This inquiry is reported without my approval. Under FCRA Section 609, I have the right to see proof of authorization, and if none exists, it must be removed. Unauthorized reporting is a violation of federal law. 

XXXX XX/XX/XXXX This inquiry has no permissible purpose under the law. I never initiated a credit application with this company. FCRA Section 607 ( b ) requires maximum accuracy, and reporting unauthorized inquiries is unlawful. 

XXXX XXXX XX/XX/XXXX ( Duplicate ) This is a duplicate inquiry of the same date, which misrepresents my credit history and harms my score. Duplicate reporting violates FCRA 607 ( b ). This duplicate must be immediately deleted. 

XXXX XX/XX/XXXX I never applied for credit with XXXX XXXX XXXX This inquiry is unauthorized and has no permissible purpose under FCRA 604 ( a ). Without written proof of authorization, this must be deleted. 

XXXX XXXX XX/XX/XXXX This is another unauthorized inquiry reported on the same date as XXXX. Duplicate reporting of inquiries is highly misleading and unlawful under FCRA Section 607 ( b ). This entry must be removed to restore accuracy. 

This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution to restore the accuracy of my credit file.

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