Consumer complaint received 2025-11-04 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 CFPB Representative, I am submitting this complaint because multiple collection accounts and unauthorized inquiries have been incorrectly reported on my credit file by several companies. Despite my efforts to dispute these items with the credit bureaus, they continue to appear on my credit reports and are negatively affecting my credit standing. 
Below are the details of the inaccurate items I am disputing : Incorrect Addresses : XXXX XXXX, XXXX, TX XXXX I have never lived or been associated with this address. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX This is not my residence and was never used by me. 
These addresses are being inaccurately reported and must be deleted from my credit profile immediately to prevent confusion with unrelated individuals or accounts. 
Account Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) High Balance : {$220000.00} | Date Opened : XX/XX/XXXX Dispute Reason : This account is reporting late payments that are completely inaccurate. I have consistently made my payments on time and have no history of delinquency with this creditor. Please verify payment history directly with the furnisher and correct the reporting. 
XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX  ) High Balance : {$910.00} | Date Opened : XX/XX/XXXX Dispute Reason : The reported late payment is incorrect. I have never missed or made any late payments on this account. Please review and update the record to show an accurate payment history. 
XXXX XXXX Acct : XXXXXXXX XXXX XXXX  ) High Balance : {$1000.00} | Date Opened : XX/XX/XXXX Dispute Reason : I have no knowledge of this account and do not recall opening or authorizing it. This appears to be a fraudulent or mistaken entry and should be deleted entirely from my report. 
XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX ) High Balance : {$2300.00} | Date Opened : XX/XX/XXXX Dispute Reason : The late payment information being reported is inaccurate. I have never been late on this account. Please verify with the furnisher and correct this error. 
XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX ) High Balance : {$36000.00} | Date Opened : XX/XX/XXXX Dispute Reason : The late payment history being reported is incorrect. Payments were made on time, and I request verification from the creditor and correction of any inaccurate reporting. 
XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX ) High Balance : {$960.00} | Date Opened : XX/XX/XXXX Dispute Reason : I do not recognize this account. I have never received any notice or documentation for this alleged debt. Please delete this collection account immediately. 
XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX  ) High Balance : {$220.00} | Date Opened : XX/XX/XXXX Dispute Reason : I have no knowledge of this account, and I have never authorized or been notified of any debt associated with this company. This collection is inaccurate and should be deleted immediately from my credit report. 
XXXXXXXX XXXX ( Acct : XXXXXXXX XXXX ) High Balance : {$1000.00} | Date Opened : XX/XX/XXXX Dispute Reason : This collection account does not belong to me. I have no record or agreement with this company, and therefore it must be removed as it appears to be a reporting error or identity mix-up. 
XXXXXXXX XXXX ( Acct : XXXXXXXX XXXX ) High Balance : {$270.00} | Date Opened : XX/XX/XXXX Dispute Reason : I have no knowledge or connection to this account. I did not authorize or acknowledge any obligation to this company. This collection is being falsely reported and should be removed. 
Hard Inquiry Disputes : XXXX ( Inquiry Date : XX/XX/XXXX ) Dispute Reason : This is a duplicate and unauthorized inquiry. I have no application or business relationship with XXXX. Please remove it as it negatively affects my credit score.

Summary of the Issue : These items are either inaccurate, fraudulent, or unauthorized, yet they are being reported by the credit bureaus ( Experian, XXXX XXXX XXXX  ). They are causing harm to my credit rating and overall financial credibility. 
I have disputed these entries with the credit reporting agencies, but the items have not been properly corrected or deleted. I am requesting the CFPBs assistance to ensure that the reporting agencies and the furnishers conduct a full reinvestigation and provide proof of validity for these accounts and inquiries. 
If the furnishers can not provide verified documentation proving my responsibility for these debts or authorization for these inquiries, I request that they be immediately deleted from all my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ). 
Requested Resolution : Remove or correct all inaccurate and unverified collection accounts. 
Delete all unauthorized hard inquiries. 
Provide written confirmation of all actions taken. 
Thank you for your assistance and prompt attention to this matter.

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