Consumer complaint received 2025-09-11 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 submitting this complaint regarding multiple inaccuracies that are currently being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Section 609 and Section 611. These errors are severely damaging my creditworthiness and must be corrected immediately. 

XXXX. Wrong Address Reporting The following addresses are inaccurate and do not belong to me : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have never resided at these addresses, and they should be permanently removed from my credit file. 

XXXX. Inaccurate Charge-Off Accounts The following accounts are being reported as charge-offs, despite showing a {$0.00} balance or being otherwise incorrect. Reporting a charge-off with {$0.00} balance is misleading, inaccurate, and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Self XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX No date listed XXXX XXXX XXXX XXXX XXXX  Opened XXXXXX/XX/XXXX ( {$1700.00} ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX ( {$6000.00} ) These listings are either obsolete, reported inaccurately, or unverifiable. I demand their deletion unless the furnishers can provide full validation with original signed contracts, complete payment histories, and chain of ownership. 

XXXX. Inaccurate Collection Accounts The following collection accounts are being reported without proper validation : XXXX XXXX XXXX XXXX XXXX XXXX  {$730.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$810.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX$580.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$6200.00}, Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2800.00}, Opened XX/XX/XXXX These furnishers have not provided any proof of ownership, chain of title, or original signed agreements. Under the FCRA, unverifiable debts must be deleted immediately. 

XXXX. Questionable Credit Inquiries The following hard inquiries were made without my authorization or permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( two entries ) XXXX XXXX and XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were unauthorized and are negatively impacting my credit score. I demand their removal. 

Requested Resolution I am requesting the CFPB to investigate these inaccuracies and ensure that the credit bureaus and data furnishers : Delete all unverifiable, inaccurate charge-offs, collections, and inquiries listed above. 

Remove the wrong addresses from my credit file. 

Provide written confirmation of the results of this investigation.

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