Consumer complaint received 2025-10-03 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: LA

Complaint narrative:
To Whom It May Concern, I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ). My credit report is currently reflecting inaccurate and unverified collection accounts along with multiple unauthorized hard inquiries. These items are harming my creditworthiness, employment opportunities, and financial stability. I am requesting a full investigation and permanent removal of the following : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Wrong Address This address has never belonged to me, nor have I ever resided at or been associated with it. Reporting this as my address is a direct violation of FCRA 607 ( b ) which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. The inclusion of this address connects me to accounts and delinquencies that are not mine, resulting in severe reputational damage. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Wrong Address This is another false address that does not and has never belonged to me. The reporting of this address attaches fraudulent or incorrect accounts to my profile, damaging my creditworthiness. This error is reckless and negligent under the FCRA. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address has been falsely tied to my credit file. I have never lived here. The credit bureaus have failed to properly verify the accuracy of address reporting as required by FCRA 611. The presence of this address creates the illusion of instability and incorrect association with debt. 
XXXX XXXX XXXX XXXX  Charge Off High Balance {$550.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX I have no knowledge of this alleged account. This reporting as a charge-off is inaccurate and unverified. Under FCRA 609 and 611, I have the right to request full documentation proving the existence of this account, the signed contract, and complete payment history. To date, no creditor or bureau has produced such evidence. Continuing to report this as accurate is unlawful and constitutes defamation of my character. 
XXXXXXXX XXXX XXXX XXXX Collection High Balance {$410.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX This account is being reported as a collection, yet I have no knowledge of or agreement with XXXX XXXX. Under FDCPA 809, they must provide a validation of debt including original contract, proof of ownership, and itemized billing. To date, nothing has been provided. Continuing to report this account without proof violates FCRA 611 which requires accuracy and verification. This entry must be deleted immediately if validation can not be produced. 
XXXX XXXX XXXX  Inquiry XX/XX/XXXX This inquiry was not authorized. I did not apply for credit with XXXX XXXX XXXX. This is a violation of permissible use under FCRA 604. Unauthorized inquiries lower my credit score and give the false impression that I am seeking excessive credit. This must be deleted. 
XXXX XXXX XXXX XXXX XX/XX/XXXX I have no relationship with XXXX XXXX and did not authorize this credit pull. This inquiry is unapproved and unlawful under FCRA. I demand its removal from my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry is completely unauthorized. I did not apply for credit through this business. It is harming my credit by reducing my score and implying excessive credit seeking behavior. This violates my consumer rights under FCRA. 
XXXX XXXX XXXX XX/XX/XXXX This inquiry is not authorized by me. XXXX XXXX has no permissible purpose to access my credit file. This must be removed immediately under FCRA. 
These items represent clear violations of my consumer rights under federal law. I am demanding that the CFPB investigate these matters immediately. If the accounts and inquiries can not be fully verified with signed contracts, proof of authorization, and complete documentation, then the law requires deletion. Continued reporting of unverified or fraudulent information is reckless, negligent, and unlawful. 
I expect the immediate deletion of the above-listed collection accounts and inquiries from my credit file. If not resolved promptly, I will escalate this matter further and pursue all available remedies, including legal action for damages.

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