Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because multiple companies and credit reporting agencies are reporting inaccurate, unauthorized, and unverified information on my credit file. These items are causing serious harm to my financial life and violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) including 602, 604, 607 ( b ), 609 ( a ), 611, and 623 ( a ). I am requesting that the CFPB investigate these violations, hold the furnishers and credit bureaus accountable, and ensure immediate correction or removal of the harmful information listed below. My credit report is being damaged by accounts I do not recognize, false charge-offs, unverified collection accounts, and hard inquiries made without my authorization. These errors have resulted in financial losses, credit denials, emotional XXXX, and reputational damage. 
Wrong Addresses reporting on my credit file are not mine, never belonged to me, and must be removed immediately because they violate FCRA 609 ( a ) ( 1 ), 611, and 604. They indicate mixed files, identity confusion, and inaccurate reporting. I have never lived at these locations, never used them for credit applications, and no creditor has permission to attach these addresses to my file. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Wrong Address, not connected to me in any way, contributing to mixed credit file. 

XXXX XXXX XXXX XXXX, TX XXXX Wrong Address, report must delete immediately under FCRA 611 .

Accounts listed below are also reporting inaccurately. I am requesting immediate correction or deletion because these items can not be verified accurately, are reporting wrong information, and violate FCRA 607 ( b ) and 623 ( a ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$33.00} Date Opened : XX/XX/XXXX Late Payment being reported is inaccurate. I never paid late, the creditor has not provided any real proof or signed documentation showing a legitimate late payment, and under FCRA 623 ( a ) ( 1 ) ( A ) furnishers can not report information they can not fully verify. This must be corrected to Paid On Time / Never Late. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$26000.00} Date Opened : XX/XX/XXXX Reporting as Charge Off is completely inaccurate. I have no knowledge of any charge-off status and the creditor has not validated the debt, provided a contract, or shown any documentation with my signature. Under FCRA 609 ( a ) I request full validation. If you can not verify with original signed documents, this account must be deleted. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$3900.00} Date Opened : XX/XX/XXXX Charge Off being reported is inaccurate. I have no recollection of this account, no agreement, and no proof has been provided. Under FCRA 623 and 611 this account must be deleted if proper verification can not be produced. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$31000.00} Date Opened : XX/XX/XXXX Late Payment being reported is incorrect. I never paid late and the creditor can not prove any delinquency with real documents. Reporting false late payments violates FCRA 623 ( a ) ( 1 ) ( A ). This must be corrected immediately to reflect accurate history. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Reported as a Collection but I have no knowledge of this debt. I never received any notice, no validation has been provided, and the collector must not report unverified debts under FCRA 623 ( a ) ( 1 ) ( A ). This account must be deleted if accurate proof can not be established. 

XXXX Inquiry Date : XX/XX/XXXX Unauthorized hard inquiry. I did not give consent and never applied. Must be deleted. 

XXXX XXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry. This violates permissible purpose requirements under FCRA 604. Remove it. 

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Unauthorized, no application submitted, no permissible purpose. Must be removed under FCRA. 

XXXX XXXX Inquiry Date : XX/XX/XXXX Duplicate and unauthorized. No permissible purpose. Remove immediately. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX No authorization, no application, therefore must be removed. 

XXXX XXXX XXXX Inquiry Date : XXXXXX/XX/XXXX Unauthorized and not connected to any account I requested. Remove under FCRA requirements. 

XXXX XXXX  Inquiry Date : XX/XX/XXXX I never approved this inquiry. It violates FCRA 604 ( a ) ( 2 ).

These violations have led to multiple credit denials, financial hardship, emotional distress, higher interest rates, and damage to my financial reputation. I am requesting that the CFPB take immediate action, require the furnishers and credit bureaus to provide full validation of each item, and compel removal of anything that can not be proven. I also request written results and documentation showing the method of verification for each disputed entry.

Thank you for your assistance in protecting my rights under federal 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