Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and fraudulent items appearing on my credit report, reported by various furnishers, which are harming my credit, causing denial of credit, emotional distress, and financial hardship. These items include charge-offs, collections, and unauthorized inquiries. I have never opened, authorized, or been responsible for these accounts or inquiries, and many are being reported incorrectly.

I request the CFPB to investigate the following items and ensure my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, 1681e ( b ), 1681i, 605B, 604 ( a ), and 611 are enforced. Any item that can not be fully verified with original signed applications, documentation, or lawful verification must be deleted immediately. 
ITEMS IN DISPUTE XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX WRONG ADDRESS I have no connection with this address. This wrong address indicates file contamination and identity errors. 
XXXX Acct : XXXX XXXX Date : XX/XX/XXXX High Balance : {$670.00} LATE PAYMENT This account is being reported with late payments, but I never made any late payments, nor did I authorize any inaccurate reporting. The information is false, unverifiable, and harmful. Under FCRA 611, any unverifiable late payment must be corrected immediately. 
XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX High Balance : {$6900.00} CHARGE OFF I have no knowledge of this account. I never opened it, never authorized it, and never had any financial relationship with XXXX XXXX regarding this account. This appears to be identity theft or mixed identity reporting. Under FCRA 605B and 611, any fraudulent or unverifiable account must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$1000.00} CHARGE OFF This account does not belong to me. I never applied, opened, or used any XXXXXXXX XXXX XXXX account. Reporting it as a charge off is false, damaging, and illegal without proper verification. 
XXXX XXXX Acct : XXXX Open Date : XX/XX/XXXX High Balance : {$450.00} CHARGE OFF I never owned or authorized this account. This charge-off is inaccurate and can not be verified because I was never associated with this account. Remove immediately under FCRA rules. 
XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX High Balance : {$1000.00} CHARGE OFF This item is fraudulent. I never opened any XXXX account with XXXX This charge-off is incorrect, and unless original signed application and full verification is provided, it must be deleted under FCRA 611 . 
XXXX XXXXXXXX XXXX  Acct : XXXX Open Date : XX/XX/XXXX High Balance : {$43000.00} CHARGE OFF This is a major error. I never purchased any vehicle or financed anything with XXXX XXXX. I have zero connection with this account. This wrong reporting is causing severe harm and must be deleted immediately if not 100 % verified with original documentation. 
XXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX High Balance : {$1000.00} CHARGE OFF I have no knowledge of this account. I never opened it, authorized it, or made any transactions. This appears to be a case of identity theft or mixed file reporting. Under FCRA 605B and 611, unverifiable accounts must be deleted immediately. 
XXXX Acct : XXXX Open Date : XX/XX/XXXX High Balance : {$1300.00} COLLECTION I never had any financial relationship with XXXX XXXX XXXX. Reporting this as a collection is false, damaging, and illegal without verification. If original signed documents can not be provided, this item must be removed immediately under FCRA 611. 
XXXX Acct : XXXX Open Date : XX/XX/XXXX High Balance : {$1300.00} COLLECTION I have never opened, authorized, or been responsible for this account. This is a reporting error or fraudulent entry and violates my rights under FCRA 1681e ( b ) for accuracy. Any unverifiable account must be deleted immediately. 
XXXX XXXX XXXX Open Date : XX/XX/XXXX INQUIRIES I never authorized any inquiry from XXXX XXXX Unauthorized inquiries are a violation of FCRA 604 ( a ) and must be removed immediately. 
XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX INQUIRIES I never authorized this inquiry. Unauthorized hard pulls are illegal and must be removed under FCRA 604 ( a ). 
These inaccurate items are causing serious damage to my creditworthiness. I request the CFPB to require the credit bureaus and furnishers to delete or correct all unverifiable, fraudulent, or inaccurate entries immediately, provide me with documentation proving the legitimacy of each account and inquiry, and prevent further harm. 
Thank you for your 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