Consumer complaint received 2025-10-24 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, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, regarding multiple inaccurate, unverified, and unauthorized items currently being reported on my credit report. These entries are severely damaging my creditworthiness and reputation. Despite my repeated efforts to resolve the issue with the credit bureaus, the inaccurate data remains uncorrected. I am requesting the CFPBs direct intervention to enforce compliance and ensure an immediate investigation and correction. 
Incorrect Addresses : XXXX XXXX XXXX, TX XXXX This address is not associated with me and should be removed immediately XXXX XXXX, XXXX, TX XXXX This address is incorrect and must be deleted XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} I have no knowledge of this account ; I dispute its validity and request deletion XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$630.00} I do not recognize this account ; delete immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$110.00} I have no account or knowledge of this ; remove from my credit report DEPTEXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$11000.00} Reported as late payment ; I have never missed a payment, correct the history DEPTEDXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$4200.00} Reported late inaccurately ; correct immediately DEPTEDXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4200.00} Reported late inaccurately ; correct immediately DEPTEDXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} Reported late inaccurately ; correct immediately DEPTEDXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$10000.00} Reported late inaccurately ; correct immediately DEPTEDXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$5200.00} Reported late inaccurately ; correct immediately DEPTEDXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$3300.00} Reported late inaccurately ; correct immediately DEPTEDXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$3200.00} Reported late inaccurately ; correct immediately DEPTEDXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$6600.00} Reported late inaccurately ; correct immediately DEPTEDXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1400.00} Reported late inaccurately ; correct immediately XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00} Reported late inaccurately ; I have never missed a payment, correct history XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$13000.00} Reported late inaccurately ; correct immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} Reported late inaccurately ; correct immediately XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} Reported late inaccurately ; correct immediately DEPTEDXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$4300.00} Reported late inaccurately ; correct immediately DEPTEDXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$12000.00} Reported late inaccurately ; correct immediately XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$8200.00} Reported late inaccurately ; correct immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} Reported late inaccurately ; correct immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} Reported late inaccurately ; correct immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$170.00} I have no knowledge of this account ; delete immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$140.00} I have no knowledge of this account ; delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} I do not recognize this account ; remove immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1600.00} I have no knowledge of this account ; delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1100.00} I do not recognize this account ; remove immediately XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} I do not recognize this account ; remove immediately XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$670.00} I have no knowledge of this account ; delete immediately XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} I do not recognize this account ; remove immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$2700.00} I have no knowledge of this account ; delete immediately XXXX XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} I do not recognize this account ; remove immediately XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1300.00} I have no knowledge of this account ; delete immediately Hard Inquiries Request for Removal : XXXX XXXX XXXXXXXX XX/XX/XXXX This inquiry was not authorized by me ; delete immediately XXXX XX/XX/XXXX This inquiry was not authorized by me ; remove immediately Under FCRA 1681i, credit reporting agencies must conduct a reasonable reinvestigation of disputed items. Under 1681s-2, furnishers of information are required to report accurate and verified data. These entities are in direct violation of federal law by reporting unverifiable, inaccurate, and unauthorized information.

I am requesting the CFPB to initiate an immediate investigation into the conduct of the furnishers and credit bureaus for their failure to verify and correct these errors. These entries have caused financial harm, credit denials, and emotional distress. I demand deletion of all unverifiable items and a written confirmation of corrective action.

Thank you for your urgent attention and enforcement of my consumer rights under the FCRA.

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