Consumer complaint received 2025-08-04 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Dear CFPB, I am submitting this formal complaint regarding the repeated reporting of inaccurate, outdated, unverifiable, and unauthorized information on my credit reports. This harmful data is causing irreparable damage to my financial and personal life, and despite previous disputes and communications, the information remains uncorrected. Below is a breakdown of the specific issues I am facing with addresses, accounts, collections, and hard inquiriesall of which violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. 
Wrong Address : XXXX XXXX, XXXX, TX XXXX Issue : I have never resided at or had any connection to this address. Its presence on my credit report is a violation of the FCRA. 
Law : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information.

Statement : This address is unknown to me and was never part of my residency history. Its continued reporting causes confusion and potential misattribution of accounts or activity. I suspect this address may be the result of a mixed file or identity confusion. 
Wrong Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Issue : I did not reside at this location. This is an inaccurate address affecting my credit integrity. 
Law : FCRA Section 611 mandates reinvestigation of any disputed information within 30 days.

Statement : I am concerned that this incorrect address may have been linked due to a clerical error or incorrect reporting from a third party. This must be corrected immediately to prevent further confusion or misassociation. 
Account : XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$1200.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Issue : This account is inaccurate and reported as charged-off without providing validation or documentation. 
Law : Under 15 U.S.C. 1692g ( b ), the furnisher must validate a debt if disputed.

Statement : I have no knowledge of this account. I never received notice of delinquency, and no documentation was provided. This charge-off appears without verified records and is damaging my financial credibility. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$29000.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Issue : Large balance listed as charged off, but no valid documentation or communication was provided. 
Law : FCRA mandates accurate reporting, and this entry is unverifiable and misleading.

Statement : I was not notified about any delinquency, and no payment plan or default communication was initiated. This account must be removed immediately pending validation. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Issue : Small account marked charged off with no written notice, which is both unfair and suspicious. 
Law : FDCPA 15 U.S.C. 1692g requires validation of debt upon dispute.

Statement : I do not recognize this account. It is harming my credit score and must be investigated and removed if unvalidated. 
Account : XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Issue : Another unverified charge-off by the same entity ; possible duplicate or misreported data. 
Law : FCRA Section 607 ( b ) requires accuracy in reporting from data furnishers.

Statement : These recurring charge-offs from similar entities appear to be false duplications or fabricated data. I request a full reinvestigation. 
Account : XXXX XXXX XXXXXXXX XXXX High Balance : {$14000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment Issue : Late payments reported without due process or notice. 
Law : Under the FCRA, a consumer must be given notice of delinquency before negative reporting.

Statement : I was impacted financially due to the pandemic and was not given the opportunity to enter into any hardship or forbearance. This entry is unfair and must be removed. 
Account XXXX XXXX XXXX XXXX XXXX  High Balance : {$460.00} | Date Opened : XX/XX/XXXX | Status : Charge Off Issue : Minor collection reported without prior billing or debt validation.

Law : FDCPA 15 U.S.C. 1692g ( a ) requires a debt collector to send written notice of the debt within five days of initial communication. 
Statement : I was never contacted about this debt. I dispute its validity and demand its immediate removal. 
Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : These inquiries were made without my knowledge, authorization, or consent. 
Law : Under FCRA Section 604 ( a ) ( 3 ), a permissible purpose is required for any hard inquiry.

Statement : I never applied for credit with these entities and did not authorize these hard pulls. This may be the result of identity theft or incorrect use of my personal information. I demand these unauthorized inquiries be removed immediately.

Summary of Requested Action 1. Investigate all listed tradelines and hard inquiries for violations under FCRA and FDCPA 2. Delete or correct any unverifiable, inaccurate, or unauthorized entries within 30 days 3. Enforce penalties for data furnishers violating consumer protection laws 4. Prevent further harm to my credit report through proper oversight and enforcement Thank you for your time and attention to this matter. I am prepared to provide any documentation or sworn statements needed to assist your investigation. Please contact me with any updates or findings.

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