Consumer complaint received 2025-10-13 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 against multiple furnishers and credit reporting agencies for reporting false, inaccurate, and unverified information on my consumer credit reports. These errors have caused substantial harm to my creditworthiness and financial well-being. 

XXXX. Inaccurate Address Reporting My credit file lists multiple addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address XXXX XXXX, XXXX, TX XXXX Wrong Address These addresses are not associated with me in any way. Their continued reporting creates confusion, possible mixed-file issues, and potential fraud risk. 

XXXX. Accounts Reported with False or Unverified Information Several accounts are reported inaccurately, including charge-offs, late payments, collections, and other derogatory remarks without proper validation or investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are either inaccurately reported, unverifiable, or outdated. Reporting such accounts is in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 1681e ( b ), which requires maximum possible accuracy. 

XXXX. Unauthorized and Questionable Hard Inquiries My report also reflects multiple inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never applied for credit with several of these entities and dispute the validity of these inquiries. Reporting unauthorized inquiries lowers my credit score unfairly and violates my consumer rights. 

Relief Sought I respectfully demand the following corrective actions : Immediate removal of all wrong addresses from my credit profile.

Deletion of all accounts reported inaccurately, unverifiable, or in violation of FCRA.

Removal of all unauthorized and fraudulent inquiries.

Written confirmation from each bureau and furnisher that these items have been permanently deleted.

Assurance of compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

The continued reporting of this false information has caused serious harm to my credit, financial stability, and ability to obtain housing, employment, and fair credit opportunities. 

I request that CFPB investigate these violations immediately and hold the furnishers and credit reporting agencies accountable for their reckless reporting practices.

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