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: AR

Complaint narrative:
To Whom It May Concern, this is a formal complaint regarding inaccurate, misleading, and unverifiable information that continues to be reported on my consumer report in violation of federal consumer protection laws. The items listed below have caused harm to my creditworthiness and were reported without proper verification or permissible purpose. I am requesting the Consumer Financial Protection Bureau to investigate and take appropriate enforcement action against the responsible entities for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX, AR XXXX This address has been repeatedly reported and linked to my file, yet no legal or verifiable residency records exist that connect me to it. The bureau has failed to provide proof of tenancy, mail correspondence, or any legitimate source confirming that I resided here. Under FCRA 607 ( b ), credit bureaus are required to maintain maximum possible accuracy, and under 611 ( a ) ( 1 ) ( A ), they must reinvestigate disputed information. Continuing to report an unverifiable address violates these provisions and causes misidentification within my credit profile. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Charge Off * * This account remains inaccurate and unverified. XXXX XXXX  has not produced any original signed contract, payment history, or proof of ownership to confirm this debt. Reporting a charge-off without factual substantiation violates FCRA 609 ( a ) ( 1 ) ( A ), 623 ( a ) ( 3 ), and FDCPA 807 ( 8 ). Continuing to report unverifiable charge-off data after multiple disputes is a willful act of negligence under FCRA 616 and 617. 

XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This account was previously disputed as inaccurate because the alleged late payment can not be verified. No billing records or payment statements exist proving that a late payment occurred. The bureaus failure to remove this unverifiable negative data violates FCRA 607 ( b ) for inaccuracy and 611 ( a ) ( 5 ) ( A ) for failure to delete after reinvestigation. Continued misreporting despite the absence of verification is a direct breach of the bureaus duty to ensure accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This late payment record is completely unverified. There is no valid documentation from XXXX XXXX showing missed payments or notice of delinquency. Reporting a false late payment without proof violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 2 ) ( A ) for misrepresenting the character of an alleged debt. Failure to delete or correct this after my previous two disputes indicates ongoing noncompliance with FCRA 611 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * This newly reported account is entirely inaccurate. I have never had any financial relationship, application, or credit agreement with this company. The continued inclusion of a fabricated account violates FCRA 607 ( b ), 609 ( a ) ( 1 ), and FDCPA 807 ( 2 ) ( A ). Reporting false information is a direct misrepresentation of my credit history and must be permanently deleted. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Collection * * XXXX XXXX XXXX has failed to validate this alleged debt despite multiple requests. No original creditor documentation, proof of assignment, or signed contract has been provided. Continuing to report this collection without proper validation violates FDCPA 809 ( b ) and FCRA 611 ( a ) ( 1 ) ( A ). Maintaining unverifiable collection data on my report constitutes willful noncompliance under FCRA 616. 

XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} Collection * * This duplicate account mirrors the previous XXXX entry with a different balance, which violates FCRA 607 ( b ) for failure to ensure maximum accuracy. The duplication inflates my debt amount and damages my credit profile. Reporting the same debt twice without verification also violates FDCPA 807 ( 2 ) ( A ) and 808 ( 1 ). I demand that both entries be removed immediately. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$630.00} Collection * * This account remains unverifiable as XXXX has not provided proof of ownership or original account documentation. Reporting an unverified collection account violates FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 3 ), and the continued reporting after prior disputes shows a disregard for FCRA 616 and 617. These violations cause ongoing credit harm and financial injury. 

XXXX XXXX XXXX  XX/XX/XXXX This hard inquiry was conducted without my authorization or any permissible purpose as defined under FCRA 604 ( a ) ( 2 ). There is no signed credit application or authorization form allowing access to my credit file. Reporting unauthorized inquiries constitutes a breach of FCRA 607 ( a ) and 616. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without any application or consent from me. Accessing my credit file without authorization violates FCRA 604 ( a ) ( 3 ) ( A ) and 607 ( a ). The bureau must immediately remove this unauthorized inquiry from my record. 

XXXX XXXX XXXX  XX/XX/XXXX This company had no valid or permissible reason to access my credit report. The lack of consent and absence of any credit relationship make this inquiry unauthorized under FCRA 604 ( a ) ( 2 ). Continued reporting of this inquiry after previous disputes shows willful disregard of FCRA 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized and fraudulent in nature. I did not apply for any credit product with this company. The credit bureaus failure to ensure the legitimacy of this inquiry before adding it to my file violates FCRA 604 ( a ) ( 3 ) ( F ) and 607 ( b ).

The reporting of inaccurate and unverifiable information along with unauthorized access to my credit file represents a pattern of noncompliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I respectfully request the CFPB to investigate these violations, ensure deletion of the disputed information, and take corrective action against the responsible entities to prevent further harm to consumers. I also request confirmation once this complaint has been processed and appropriate actions have been taken.

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