Consumer complaint received 2025-10-01 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:
XXXXI am filing this complaint because my credit reports are showing multiple inaccurate and unauthorized items in violation of the Fair Credit Reporting Act (FCRA, 15 U.S.C. 1681) and the Fair Debt Collection Practices Act (FDCPA, 15 U.S.C. 1692)XXXX XXXX XXXX XXXX XXXX XXXX   Wrong Address\nI dispute this as not belonging to me. Including unrelated addresses in my report is harmful and misleading. The presence of this incorrect address suggests commingling of files or negligent data handling by the credit bureaus. Under FCRA  611, I have the right to a proper reinvestigation and correction of any disputed information. This must be removed.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong AddressXXXXThis reported address is also false. I never lived here, never applied for credit from this location, and never authorized its connection to my profile. By continuing to report it, the credit bureaus are knowingly publishing false information in violation of FCRA  623(a)(1)(A). I demand its deletionXXXX XXXX XXXX XXXX  Late Payment*XXXXHigh Balance: XXXX | Date Opened: XXXXI dispute the late payment history being reported on this account. I have never been late on payments and the furnishing of this status is inaccurate. It is damaging to my creditworthiness and violates FCRA  623(a)(1)(A) which prohibits reporting of information known or believed to be inaccurate. I request a thorough reinvestigation and correction of the reporting history to show an accurate on-time payment recordXXXX XXXX   Late Payment**XXXXHigh Balance: XXXX | Date Opened: XXXXThe late payment marking on this account is false and misleading. I have no record of being late and I dispute this derogatory notation. Under FCRA  611 and FCRA  623(b), the furnisher and the bureau must reinvestigate and correct this inaccuracy. I demand the correction of this account to reflect no late payments.XXXX XXXX XXXX   Charge Off*XXXXHigh Balance: XXXX | Date Opened: XXXXI have no knowledge of this alleged debt. I never entered into an agreement with this company, never authorized such an account, and therefore dispute the legitimacy of this tradeline. Reporting this as a charge off without verifiable proof violates FCRA  623(a)(3) and FDCPA  807(8) (false credit reporting). I demand immediate deletion unless full validation is provided, including signed contracts and original account-level documentation.XXXX XXXX  Charge Off*XXXXHigh Balance: XXXX5 | Date Opened: XXXXI dispute this charge off entirely as I have no knowledge of this account. The furnishing of this tradeline is inaccurate and unverifiable. The reporting entity has failed to provide validation, and therefore its continued reporting violates FCRA  611 and FDCPA  809(b). I demand complete removal of this item.XXXX XXXX XXXX XXXX  CollectionXXXXHigh Balance: XXXX | Date Opened: XXXXI dispute this collection account. I do not acknowledge this debt and have never received proper validation as required under FDCPA  809(b). Reporting a collection without verifying its accuracy is a direct violation of both the FCRA and FDCPA. Unless XXXX XXXX XXXX produces legal proof including original agreements and itemized statements, this account must be deleted from my credit reportXXXX XXXX XXXX XXXX  CollectionXXXXHigh Balance: XXXX  | Date Opened: XXXXI dispute this alleged collection account as I have no knowledge of this debt. No original creditor agreement, contract, or billing statement has been provided. Reporting this tradeline without proof violates FDCPA 809(b) and FCRA 623(a)(1)(A) which prohibit reporting unverifiable or inaccurate information. I demand its immediate deletion.\XXXX XXXX   Collection**\nHigh Balance: XXXX  | Date Opened: XXXXThis is another false collection that I dispute. No documentation has ever been provided to me proving the validity of this debt. Reporting this item is unlawful under FDCPA 809(b). Unless complete validation is produced, including original account-level agreements, I demand permanent deletion.XXXX XXXX   CollectionXXXXHigh Balance: XXXX | Date Opened: XXXX dispute this account as inaccurate and unverifiable. I have no association with this company, and the reporting of this collection is misleading. Under FCRA 611(a)(5)(A), unverifiable items must be deleted. I request immediate removal.XXXX XXXX  Collection*XXXXHigh BalanceXXXX XXXX | Date Opened: XXXXI dispute this collection account as I have no knowledge of this alleged debt. No validation or proof has been provided to establish the existence or accuracy of this account. Reporting unverifiable information violates FCRA 623(a)(1)(A) and FDCPA 807(8). I demand deletionXXXX XXXX XXXX XXXX  CollectionXXXXHigh Balance: XXXX | Date Opened: XXXXI dispute this collection as unverified. I have no relationship with this company, nor any agreement that could result in this debt. Reporting such information without proper investigation violates FCRA 607(b) requiring maximum possible accuracy. This account must be deleted.XXXXUnauthorized InquiriesXXXXEach of the following inquiries appears on my report without my authorization or any permissible purpose as required under FCRA 604(a). I did not grant written permission to these entities to access my credit file, nor did I initiate any credit application with them. These hard inquiries were made unlawfully and are damaging my credit score. I demand their removal immediately.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder FCRA 604 and FCRA 616, inquiries made without permissible purpose are unlawful. These inquiries must be deleted immediately.XXXXRelief Requested:XXXXtImmediate deletion of all unverified collection accountsXXXXRemoval of all unauthorized hard inquiries.XXXXXXXXFull reinvestigation with documentation provided to me.XXXXIf these violations are not corrected within the required time frame, I will pursue further legal remedies and escalate with the FTC and State Attorney General.'

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