Consumer complaint received 2025-11-07 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 to the Consumer Financial Protection Bureau because I have found serious reporting errors and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by the credit bureaus and furnishers listed below. The following items are being falsely reported or handled improperly, causing harm to my credit reputation and financial standing. Each account below contains inaccurate or unverifiable information, and I am requesting a full investigation and enforcement of my rights under federal law.

ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is inaccurate and has no legitimate connection to my file. Reporting an address not belonging to me violates FCRA 607 ( b ). Continued appearance of this false address reflects failure to ensure accurate and verifiable data under 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$9100.00} * * This account was wrongfully reported as charged off without proper verification. FCRA 609 ( a ) ( 1 ) ( A ) requires proof of account ownership and balance validation, which has not been provided. Continued reporting without certification violates 607 ( b ) and 611 ( a ) ( 5 ) ( A ). 

XXXX # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Credit Limit : {$500.00} * * This charge-off entry remains unverified and lacks original documentation from the creditor. Under 602 ( A ) and 611 ( a ) ( 1 ) ( A ), unverifiable information must be deleted immediately. 

XXXX # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$700.00} * * This charge-off was reported without validation or consumer authorization. The furnisher failed to prove ownership under 609 ( a ) ( 1 ) ( A ) and reporting it violates 607 ( b ). 

XXXX XXXX XXXX # XXXX XXXX XXXX Date Opened : XX/XX/XXXX Credit Limit : {$750.00} * * The account status is falsely listed as charged off. No original creditor documentation was supplied, violating 602 ( A ) and 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$330.00} * * The charge-off reporting is inaccurate and unverified. Under 607 ( b ), the credit bureau is responsible for ensuring maximum accuracy and must remove this error. 

XXXX  # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} * * This tradeline was reported as charged off without any evidence or validation. Failure to verify violates FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} * * The creditor failed to provide proof of any default or notice of delinquency. Continued inaccurate reporting violates 602 ( A ) and 607 ( b ). 

XXXX  # XXXX Date Opened : XX/XX/XXXX High Credit : {$600.00} * * The reported late payments are incorrect and unverifiable. This violates FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ) since no records were produced by the furnisher. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} * * This collection is inaccurate and unvalidated. Under FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ), this must be deleted unless verified through original documentation. 


XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} * * No validation has been provided for this debt. Reporting without consent violates 607 ( b ) and 611 ( a ) ( 5 ) ( A ). 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without my consent, violating 604 ( a ) ( 2 ). It must be deleted immediately. 

XXXX XXXX XX/XX/XXXX Unauthorized inquiry with no permissible purpose under 604 ( f ) ( 1 ). The bureau failed to validate its legitimacy. 

XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized this company to access my credit file. This violation of 604 ( a ) ( 2 ) requires immediate removal. 

XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was performed without authorization or permissible purpose under 604 ( f ) ( 1 ). 

XXXX XX/XX/XXXX The creditor accessed my report without consent, violating 604 ( a ) ( 2 ). Continued listing reflects noncompliance with 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX XX/XX/XXXX Unauthorized inquiry with no validation or consumer consent. This action violates 604 ( f ) ( 1 ). 

XXXX XX/XX/XXXX This inquiry was done without my knowledge or approval, violating FCRA 604 ( a ) ( 2 ).

I request that this matter be fully reviewed, investigated, and corrected within the time frame required by federal law. The continued inaccurate reporting has caused significant distress and loss of fair financial opportunity, and I am seeking full enforcement of my consumer rights.

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