Consumer complaint received 2025-11-08 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against several companies and credit reporting agencies for violating my consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). These entities have reported, verified, and maintained inaccurate, duplicate, and unauthorized information on my credit report, which has caused me significant financial and emotional harm. 
Despite previous dispute attempts with the credit bureaus, the following accounts and inquiries remain falsely reported and unverified, and the furnishers have failed to provide any documentation to substantiate their claims. 
INCORRECT ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These addresses are not connected to me in any way, and their presence creates confusion and potential fraudulent association. I demand their immediate deletion under FCRA 605 ( a ) ( 1 ) as they constitute inaccurate personal information.

DISPUTED ACCOUNTS AND ERRORS The following accounts are either falsely reported, misrepresented, or unverifiable. I have no recollection, knowledge, or contractual agreement with some of these creditors. For others, the status being reported is false and damaging, showing incorrect charge-off or late payment remarks that are not based on factual payment history or valid evidence. 
XXXX XXXX  XXXX Acct : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$1000.00} | Charge Off I have no knowledge of this account, never received any valid contract or billing statement linking me to XXXX XXXX. This entry appears fraudulent and unverifiable. Please provide original documentation with my verified signature as required under FCRA 611 ( a ) ( 1 ) ( A ) or delete this account entirely. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2600.00} | Charge Off This account is being reported inaccurately. I never defaulted or authorized any activity under this account. This reporting damages my creditworthiness and violates my rights under FCRA 607 ( b ) for maintaining maximum possible accuracy. 
XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off A charge-off with a zero balance makes no logical sense and violates FCRA 602A and 607 ( b ). If the balance is zero, it must not be reported as a charge-off. This inconsistency reflects false credit data and must be corrected immediately. 
XXXX XXXX XXXX  Acct : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$140.00} | Charge Off I have never defaulted on any Self Financial account. The charge-off status is false and defamatory, and I request full investigation and removal if unverifiable documentation is not produced. 
XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$700.00} | Charge Off This account does not belong to me, and the reporting of a charge-off is completely inaccurate. Please provide all supporting evidence, including original contract, payment record, and ownership verification. 
XXXX Acct : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Charge Off Reporting a charge-off on an account with zero balance is a direct violation of FCRA accuracy standards. This entry is misleading and must be deleted immediately. 
XXXX XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$300.00} | Late Payment I have never made any late payments on this account. The late status is false and damaging. I am demanding full correction of payment history and removal of the late payment notation. 
XXXX Acct : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$5500.00} | Charge Off This entry is false and misleading. I have no verified record of defaulting on this account. Please investigate and provide evidence, or remove it per FCRA 611 ( a ) and 609 ( a ) ( 1 ). 
XXXX XXXX XXXX  XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$23000.00} | Late Payment I have never made any late payments on this account. The reporting of late payment is false and misleading. Please review the payment records carefully and correct this status immediately. Reporting inaccurate payment history violates FCRA 607 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX IN Acct : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$800.00} | Collection I have no knowledge or record of this alleged debt. I was never notified of any account in collections from this agency. Under FCRA 611 ( a ) ( 1 ) ( A ), I request full validation of this debt. If you can not provide original signed documentation or proof of ownership, this account must be deleted immediately. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$1100.00} | Collection This account is unverified and unfamiliar to me. I have no direct relationship or contractual obligation with XXXX XXXX XXXX. Reporting unverifiable debt is unlawful under FCRA XXXX07 ( b ) and FDCPA 809 ( b ). I request deletion if original documentation can not be provided. 
XXXX  XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2900.00} | Collection I have never opened or used any account with XXXX XXXX XXXX. This is a clear case of mistaken identity or fraudulent reporting. I request immediate deletion of this entry unless verifiable evidence is produced showing my signature and consent to the debt. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$730.00} | Collection XXXX XXXX is repeatedly reporting unverifiable and inaccurate accounts under my name. This constitutes duplicate and fraudulent reporting. Please remove this item if no original proof of ownership and authorization can be provided. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$860.00} | Collection This third entry from XXXX XXXX appears to be another duplicate or erroneous collection, and I have no contract or legal connection with this creditor. Continuing to report unverifiable or duplicate accounts violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$810.00} | Collection I dispute this collection because I have never received any notice of debt validation as required under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). Without proper validation and original signed contract, this reporting must be deleted immediately. 
XXXX XXXX XXXX Acct : XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$490.00} | Collection have no relationship with this agency and never owed this amount. The reporting of this collection is false, unverifiable, and damaging to my credit profile. Please provide validation or remove this entry completely. 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$190.00} | Collection I have no knowledge of any account held or purchased by XXXX XXXX XXXX. This debt is unverifiable, and no supporting contract has ever been shared with me. I demand its deletion in compliance with FCRA 611 ( a ) and FDCPA 809 ( b ). 
XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$1000.00} | Collection XXXX Funding has reported multiple accounts with varying balances and dates, none of which I recognize or authorized. This reflects erroneous or fraudulent reporting and must be investigated immediately. If unverified, it must be permanently deleted per FCRA 611 ( a ) ( 1 ). 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$310.00} | Charge Off I dispute this charge-off entry. I was never notified of any outstanding balance, nor did I default on any XXXX XXXX account. This charge-off is false and damaging to my credit profile. Please provide original billing records and signed service agreement to substantiate this claim or remove it permanently under FCRA 611 ( a ). 
UNAUTHORIZED OR QUESTIONABLE HARD INQUIRIES Hard inquiries without my explicit consent or valid credit application are a violation of FCRA 604 ( a ) ( 3 ). These unauthorized inquiries are damaging my credit score and must be removed. 
XXXX Date : XX/XX/XXXX | Inquiries I never applied for any loan, credit, or service from this entity. This inquiry was done without my consent. I request its removal. 
LEGAL VIOLATIONS AND CONSUMER IMPACT : Each of the entities listed above has acted in violation of : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy.

FCRA 611 ( a ) : Failure to properly reinvestigate disputed information.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or false information to consumer reporting agencies.

FDCPA 809 ( b ) : Failure to provide validation of debts upon request.

FCRA 604 ( a ) ( 3 ) : Pulling consumer reports without permissible purpose.

These false, duplicate, and unauthorized entries have caused me loss of credit opportunities, emotional distress, and reputational damage. The repeated inaction by both the furnishers and the credit reporting agencies demonstrates willful noncompliance with federal consumer protection laws.

Requested Relief and Actions : 1. Direct XXXX XXXX XXXX and XXXX XXXX to cease all false reporting and delete unverifiable and duplicate accounts from all credit bureaus.

2. Instruct all credit bureaus to remove the unauthorized hard inquiries listed above.

3. Impose penalties on the furnishers and reporting agencies for willful noncompliance under FCRA 616617.

4. Ensure all updates and deletions are reflected across XXXX, Experian, and XXXX.

5. Provide written confirmation of investigation results and corrective actions taken.

I am attaching supporting documentation, including : Copy of my government-issued ID Proof of my current address Screenshots or copies of the disputed credit report entries I am requesting that the CFPB review this matter urgently and enforce compliance with all federal credit reporting standards to restore the accuracy and integrity of my consumer report.

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