Consumer complaint received 2025-11-05 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 filing this complaint to formally report numerous inaccurate and unauthorized items being reported on my credit profile by various furnishers and credit reporting agencies. These inaccurate and unverified entries are causing significant harm to my credit standing and are clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. Wrong and Outdated Addresses The following addresses are being reported inaccurately and should not appear on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX This address is incorrect and should be permanently removed. My current and correct address is : XXXX XXXX XXXX, XXXX XXXX, TX XXXX 2. Charge-Off and Collection Accounts with No Knowledge or Verification The following accounts have been reported as charge-offs or collections. I have no knowledge of these accounts and have never entered into any agreement or received any verification regarding these debts. These entries must be deleted immediately for failure to comply with FCRA 611 and 623 ( a ) ( 1 ) ( A ) : XXXX XXXX | High Balance : {$580.00} | Date Opened : XX/XX/XXXX | Collection XXXX XXXX | Date Opened : XX/XX/XXXX | Balance : {$710.00} | Charge-Off XXXX  | Date Opened : XX/XX/XXXX | Balance : {$630.00} | Charge-Off XXXX | Date Opened : XX/XX/XXXX | Balance : {$1700.00} | Charge-Off XXXX XXXX XXXX  | Date Opened : XX/XX/XXXX XXXX Balance XXXX {$2300.00} | Charge-Off XXXX | Date Opened : XX/XX/XXXX | Balance : {$280.00} | Charge-Off XXXX | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Charge-Off XXXX  XXXX  | Date Opened : XX/XX/XXXX | Balance : {$19000.00} | Charge-Off XXXX XXXX XXXXXXXX | Date Opened : XX/XX/XXXX | Balance : {$2000.00} | Charge-Off I dispute these accounts in their entirety as unverified, inaccurate, and unauthorized. I have no contractual relationship with any of these entities, and under FCRA 609 ( a ) ( 1 ), I request all supporting documentation including signed contracts and itemized statements proving these accounts belong to me. If such verification can not be provided, these items must be immediately removed from my credit reports.

3. Late Payment Accounts with Inaccurate Reporting The following accounts are inaccurately reporting late payments, which is false. I have never been late on any of these accounts. I demand a full investigation and immediate correction of the payment history under FCRA 611 ( a ) : XXXX  XXXX | Date Opened : XX/XX/XXXX | Balance : {$140.00} | Incorrect Late Payment XXXX  XXXX | Date Opened : XX/XX/XXXX | Balance : {$270.00} | Incorrect Late Payment XXXX | Date Opened : XX/XX/XXXX | Balance : {$68.00} | Incorrect Late Payment XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$1700.00} | Incorrect Late Payment XXXX  | Date Opened : XX/XX/XXXX | Balance : {$0.00} | Incorrect Late Payment These accounts must be reviewed and corrected immediately to accurately reflect a perfect payment history.

4. Unauthorized Inquiries The following inquiries were made without my authorization or permissible purpose as defined by FCRA 604. These inquiries must be removed immediately : 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 XXXXXX/XX/XXXX These unauthorized inquiries were conducted without my consent or any legitimate credit application. Under FCRA 604 ( a ) ( 3 ), furnishers and credit bureaus are required to ensure that inquiries are made only with permissible purpose, which clearly was not followed in these cases.

Requested Resolution : I am requesting the following corrective actions within 15 business days : Immediate deletion of all unverified charge-off and collection accounts listed above.

Full correction of all late payment inaccuracies to reflect on-time payment history.

Removal of all unauthorized inquiries listed above.

Deletion of all incorrect addresses from my credit profile.

Written confirmation from each credit reporting agency ( Experian, XXXX, and XXXX  ) that these corrections have been made. 

If these issues are not resolved promptly, I will escalate this matter by filing additional complaints with the FTC and my State Attorney Generals office for further investigation. 

Thank you for your prompt attention to these serious violations.

Company response to consumer: Closed with explanation