Consumer complaint received 2025-11-18 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 complaint because multiple inaccurate, unverified, duplicate, and unauthorized items are being reported on my credit report by the credit bureaus and several data furnishers. These accounts and inquiries do not belong to me, were never authorized by me, were never validated, and are being reported in violation of FCRA 15 USC 1681i, 1681e ( b ), 1681s-2, and FCRA 604. I have attempted to dispute these items with the bureaus, but they continue to appear without any proper investigation or documentation. These inaccurate items are severely damaging my credit, preventing me from obtaining housing, transportation, and financial stability. 
XXXX XXXX XXXX, TX XXXX WRONG ADDRESS This address does not belong to me and has never been part of my residential history. Reporting a false address creates identity confusion. Remove immediately under FCRA 609 ( a ) and 611. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX WRONG ADDRESS This is not and has never been my residence. This is an unauthorized, inaccurate, and harmful address. Delete immediately as required by federal law. 
ACCOUNTS BEING DISPUTED FOR INACCURACIES, NO VERIFICATION, WRONG REPORTING, AND INVALID DATA ( All issues are explained directly under each account as you requested. ) XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  CHARGE-OFF High Balance {$590.00} Date Opened XX/XX/XXXX XXXX XXXX I have no knowledge of this charge-off. The creditor has never provided legal verification or contractual proof with my signature. Reporting is inaccurate and violates FCRA 609 & 611. Delete. 
XXXX XXXX  Account # XXXXXXXX XXXX  CHARGE-OFF High Balance {$990.00} Date Opened XX/XX/XXXX * * This account does not match my records. The balance and dates are inconsistent with any account I have ever opened. This appears to be a mixed file. Delete immediately. 
XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  CHARGE-OFF High Balance {$460.00} Date Opened XX/XX/XXXX * * This account is unverifiable. No signed agreement has ever been provided. Under FCRA 611 ( a ) ( 5 ), unverifiable information must be removed. 
XXXX Account # XXXXXXXX XXXX XXXX  CHARGE-OFF High Balance {$630.00} Date Opened XX/XX/XXXX * * I dispute the accuracy of this account. The reporting dates appear manipulated and do not align with my credit history. I demand deletion. 
XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  CHARGE-OFF High Balance {$750.00} Date Opened XX/XX/XXXX XXXX XXXX This account can not be verified. The reporting furnisher has failed to validate under 609. Remove immediately. 
XXXX Account # XXXX XXXX XXXX  CHARGE-OFF High Balance {$0.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  A charge-off with a zero balance is logically and legally inconsistent. This is an obvious reporting error. Delete. 
XXXX  Account # XXXX CHARGE-OFF High Balance {$2600.00} Date Opened XX/XX/XXXXXXXX XXXX I have no knowledge of this debt. No documentation has been provided. This is inaccurate and harmful. Remove. 
XXXX XXXX  Account # XXXXXXXX XXXX XXXX CHARGE-OFF High Balance {$8200.00} Date Opened XX/XX/XXXX * * This account contains multiple inconsistencies in reported balance, delinquency dates, and status. Creditor has failed to validate. Delete. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX CHARGE-OFF High Balance {$18000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX This account is inaccurately reported. The dates and balance appear altered. Verification has not been provided. Remove. 
XXXX  Account # XXXX XXXX XXXX CHARGE-OFF High Balance {$3300.00} Date Opened XX/XX/XXXX * * I dispute the validity of this account. No proof has ever been given. Delete under 611. 
XXXX XXXX  Account # XXXXXXXX XXXX XXXX LATE PAYMENT High Balance {$24000.00} Date Opened XX/XX/XXXX XXXX XXXX These late payments are wrong and do not reflect my payment history. I never missed or paid late. Correct immediately under FCRA 607 ( b ). 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX COLLECTION High Balance {$5500.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  This collection is unknown to me. I never received any notices or validation as required by FDCPA 809. Remove immediately. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX COLLECTION High Balance {$2900.00} Date Opened XX/XX/XXXX * * I do not recognize this account. No validation has ever been provided. The balance and dates are inconsistent and appear fabricated. Delete immediately. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX COLLECTION High Balance {$480.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  I have zero knowledge of this debt. XXXX is reporting without proof or original contract. This is an invalid and unverifiable collection. Remove immediately. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX COLLECTION High Balance {$2000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  Unverified, unknown, and never validated. This appears to be a duplicate of another XXXX XXXX account. Mixed-file error. Delete. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX COLLECTION High Balance {$840.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  This account does not belong to me. Wrong dates, wrong balance, and no supporting documentation provided. Delete immediately. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX COLLECTION High Balance {$720.00} Date Opened XX/XX/XXXX XXXX XXXX Another unverified and unknown account from the same collector. Possible duplicate entry or mixed file. Reporting violates FCRA 607 ( b ). Remove. 
XXXX  Account # XXXX XXXX COLLECTION High Balance {$720.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX This is a duplicate of XXXX XXXX XXXX XXXX XXXX with the same balance and same issue. Duplicate reporting is a direct violation of FCRA. Delete immediately. 
XXXX Account # XXXX COLLECTION High Balance {$630.00} Date Opened XX/XX/XXXX XXXX XXXX I have no knowledge of this account. No validation or proof has ever been provided. Remove immediately under FCRA 611. 
XXXX XXXX XXXX Account # XXXX XXXX  COLLECTION High Balance {$61.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  This account is unfamiliar and unverified. Such a small balance with no communication or validation is suspicious and inaccurate. Delete. 
XXXX XXXX  Account # XXXXXXXX XXXX COLLECTION High Balance {$630.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  I do not recognize this debt. XXXX has not provided validation. XXXX is known for purchasing old or incorrect data. Delete immediately. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  COLLECTION High Balance {$460.00} Date Opened XX/XX/XXXX * * I have no knowledge of this account and never received any notice or validation. Reporting without validation violates FDCPA 809. Delete immediately. 
UNAUTHORIZED & INACCURATE HARD INQUIRIES ( These were not authorized by me. Many are duplicates, suspicious, or have no permissible purpose, which violates FCRA 604. ) XXXX XXXX Inquiry XX/XX/XXXX I did not authorize this inquiry. No application was submitted. Remove immediately. 
XXXX XXXX Inquiry XX/XX/XXXX Unauthorized and unknown. No permissible purpose. Delete. 
XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX Duplicate unauthorized inquiry from same dealership. Remove immediately. 
XXXX XXXX XXXX Inquiry XX/XX/XXXX Unknown inquiry, no permissible purpose. Delete. 
WHAT I AM REQUESTING I am requesting the CFPB to force the credit bureaus and the furnishers to provide full validation and documentation for each of these accounts and inquiries. If they can not provide legal and verifiable proof, I am requesting that all the listed items be permanently deleted from my credit file. I need this corrected immediately because these errors are blocking me from obtaining essential credit and causing personal and financial harm.

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