Consumer complaint received 2025-10-07 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 formal complaint under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) regarding inaccurate, unverifiable, and misleading information reported on my credit file by multiple creditors and credit reporting agencies. The items listed below are damaging my credit profile, and despite previous disputes, no corrective action has been taken. I request immediate investigation, verification, and removal or correction of these items in accordance with federal law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address has never belonged to me and has no association with my personal, residential, or employment history. I have never lived at, rented, or used this address in any legal or financial capacity. Its presence on my report is a direct violation of FCRA Section 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. Reporting this address falsely suggests identity overlap or mixed files, which can mislead creditors and damage my reputation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address I have never resided at this apartment nor conducted any financial business there. Its inclusion is a serious error that may indicate misfiled data or possible identity confusion. Under FCRA Section 609 ( a ), I have the right to request full documentation and verification of how this address was associated with my file. Since no such documentation exists, this address must be permanently deleted to ensure accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$1500.00} Date Opened : XX/XX/XXXX Charge Off I dispute this account in its entirety because I have no knowledge of this alleged debt. I have never signed any agreement nor authorized such an account. Without my consent or verifiable proof, this debt can not be validated. The reporting of a charge-off is inaccurate and constitutes furnishing false information in violation of FCRA Section 623 ( a ) ( 1 ) ( A ). Unless XXXX can provide my original signed contract, full payment history, and legal validation, this account must be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off I deny knowledge of this account and dispute its validity. I have never opened or authorized this account and I challenge its accuracy under the FCRA and FDCPA. Reporting this charge-off is extremely harmful to my creditworthiness and is a misrepresentation of my financial history. I demand documented validation including a signed agreement and accurate records. If the creditor can not provide such proof, this tradeline must be permanently removed. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$7400.00} Date Opened : XX/XX/XXXX Charge Off I strongly dispute this account because I have no recollection or record of opening such an account. No contract, no statement, and no validation has ever been provided to me. Reporting this as a charge-off is unlawful under FCRA Section 623, as data furnishers can not report information they know or should know to be inaccurate. Unless this account can be fully validated with documentation, its reporting must be deleted. 
XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$6200.00} Date Opened : XX/XX/XXXX Charge Off I dispute this account in its entirety as I have no knowledge of or association with this alleged debt. I have never opened, authorized, or conducted any financial transaction with this creditor under this account number. Reporting this charge-off without my consent or valid proof constitutes furnishing false information in violation of FCRA Section 623 ( a ) ( 1 ) ( A ). Without legal validation, signed contracts, and complete payment history, this account must be permanently deleted from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$28000.00} Date Opened : XX/XX/XXXX Late Payment I dispute the reported late payment status of this account as inaccurate. I have never made a late payment on this account, and the current reporting misrepresents my payment history. Under FCRA Section 611 ( a ), I demand correction of this inaccurate reporting to reflect the true, accurate payment history. Continued misreporting of this information is damaging and misleading to potential lenders and violates my consumer rights. 
XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$4400.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of or relationship with this account and never authorized or opened it. The reporting of this charge-off is therefore false, misleading, and unverifiable. Under FCRA Section 623, data furnishers can not report information they know or should know is inaccurate. I demand the deletion of this account unless XXXX can provide complete, signed documentation proving my authorization and the legitimacy of the account. 
XXXX XX/XX/XXXX Inquiry I did not request or authorize any credit report pull from XXXX XXXX on this date. Reporting this inquiry is a violation of my consumer rights under FCRA Section 604 ( a ) and must be deleted from my credit file immediately. 
These items have never been authorized by me, and in some cases, I have no knowledge of them whatsoever. Their presence on my credit report is damaging, misleading, and violates my rights as a consumer under FCRA and FDCPA. I request that CFPB intervene to ensure a thorough investigation, legal verification, and the prompt deletion or correction of all unverifiable and inaccurate items listed above. 
I request written confirmation of the actions taken and copies of any documentation used to verify these accounts and inquiries. Failure to address these disputes will leave me no choice but to pursue all legal remedies available under federal and state law.

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