Consumer complaint received 2025-11-01 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 because my consumer rights have been violated through the inaccurate and unlawful reporting of a collection account and an unauthorized inquiry on my credit profile. The information listed below is being reported in error and is damaging my creditworthiness. I am requesting a full investigation, deletion of the inaccurate data, and enforcement action against the responsible parties for noncompliance with federal laws. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is inaccurate and must be deleted immediately. I have never lived or received mail at this location. Reporting an address not associated with me violates FCRA 607 ( b ) for failure to maintain maximum possible accuracy. Any connection to this address must be substantiated by a signed lease, verified identification, or documented utility bill. If none exist, this must be removed immediately as it misrepresents my identity. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX This address was falsely linked to my file. I have no record of ever residing or using this location for any financial purpose. Under FCRA 611 ( a ), the bureau must reinvestigate and remove unverifiable data. Maintaining false residential information causes confusion with my credit history and violates my consumer rights under FCRA 607 ( b ). 

XXXX Account XXXX XXXX HIGH BALANCE : {$300.00} DATE OPENED : XX/XX/XXXX LATE PAYMENT This account is being reported with inaccurate late payment data. I have no record of being delinquent, and the furnisher has failed to provide original proof of late payment supported by documentation. Reporting unverifiable late history violates FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The burden of proof lies with the data furnisher, not the consumer. I am requesting deletion unless verified with complete payment history and original signed agreement. 

XXXX XXXX  Account # XXXX HIGH BALANCE : {$700.00} DATE OPENED : XX/XX/XXXX LATE PAYMENT This late payment notation is incorrect and misrepresents my payment activity. The creditor failed to verify accuracy before furnishing this data. Under FCRA 623 ( b ) ( 1 ) ( A ), furnishers are required to investigate disputed information and correct any inaccuracy. Continued reporting of unverifiable data is a direct violation of federal law. 

XXXX XXXX XXXX Account # XXXX HIGH BALANCE : {$12000.00} DATE OPENED : XX/XX/XXXX CHARGE OFF This charge-off is being reported inaccurately and without proper verification. I have not received any written notice or validation of debt from the furnisher as required under FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( D ). The accounts reported balance, charge-off status, and date are inconsistent with my records, which violates the obligation to maintain complete and accurate information under XXXX ( b ). 

XXXX XXXX XXXX Account # XXXX HIGH BALANCE : {$13000.00} DATE OPENED : XX/XX/XXXX LATE PAYMENT This late payment record is incorrect and must be deleted. I made consistent payments, and no documentation supports the claimed delinquency. Failure to provide proof of payment history violates FCRA 623 ( b ) and 611 ( a ) ( 1 ). Reporting false data damages my credit reputation and subjects your bureau to liability under 616 for willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this hard inquiry. The presence of this unauthorized access constitutes a violation under FCRA 604 ( a ) ( 2 ) and 604 ( f ), which require permissible purpose and consumer consent. This inquiry must be deleted immediately for lack of authorization. 

XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX This inquiry appears on my report without my written or verbal consent. Reporting an unauthorized hard pull violates FCRA 604 ( a ) ( 3 ) ( A ). I request proof of permissible purpose, including the application or signed consent that justified this inquiry. If it can not be produced, it must be deleted. 

XXXX DATE : XX/XX/XXXX This credit inquiry was made without my authorization or any loan application. FCRA 604 ( a ) and 605B prohibit such reporting without consent. This violation exposes the bureau to civil liability under 616 and 617. I demand immediate removal. 

XXXX DATE : XX/XX/XXXX This inquiry was unauthorized and must be deleted. I did not apply for credit or authorize any party to access my credit file on this date. Under FCRA 604 ( a ) ( 2 ), only inquiries with explicit consumer permission are permitted. Retaining this record violates my privacy and consumer rights. 

XXXX XXXX XXXX DATE : XX/XX/XXXX This inquiry was not authorized by me and is unlawfully listed. The bureau and furnisher are required to maintain permissible purpose documentation under FCRA 604 ( a ). I have never applied for any new account with this lender during the specified time, making this a clear violation that requires immediate deletion. 

These violations represent clear noncompliance with the federal laws designed to protect consumers from inaccurate reporting and privacy breaches. The collection agency and the inquiry source have both failed to uphold their duties of accuracy, validation, and permissible purpose. I request the CFPB to investigate both entities, require correction or deletion of these items from all credit bureaus, and ensure compliance with the FCRA and FDCPA.

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