Consumer complaint received 2025-11-21 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 filing this formal complaint because several credit reporting agencies and data furnishers are reporting inaccurate, unauthorized, and unverifiable information on my credit reports. These errors are causing severe harm to my financial life, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have already disputed these items with the credit bureaus, yet the inaccurate information remains. 
Below are the false and damaging entries appearing on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Comment : I never lived at this address. This location has no connection to me and must be removed immediately. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Comment : I never made any late payment on this account. The late status is incorrect, unverified, and damaging my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Comment : This late payment entry is completely false. I have no record of being late. Please correct the payment history. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Comment : I dispute the late payment mark. The account has never been paid late and is inaccurately reported. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Comment : Reporting late payments is incorrect. I request verification with proper documentation or immediate correction. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Collection Comment : I have no knowledge of this account. No contract, no notice, no validation has ever been provided. Delete immediately. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} Collection Comment : This collection is unknown to me. If the furnisher can not prove the debt with original documentation, it must be deleted. 
XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} Collection Comment : I dispute this entire collection. I never received validation or any proof linking this account to me. 
XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Hard Inquiry Comment : I did not authorize this credit inquiry. Remove as unauthorized. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Hard Inquiry Comment : This inquiry was not approved by me. Please remove for being unauthorized and fraudulent. 
XXXX XXXX  Inquiry Date : XX/XX/XXXX Hard Inquiry Comment : I dispute this inquiry. I never gave consent for this pull. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Hard Inquiry Comment : This was not authorized by me and must be removed immediately. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Hard Inquiry Comment : I dispute this inquiry because I did not initiate or approve it. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Hard Inquiry Comment : I did not apply for credit with this company. Remove as unauthorized. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Hard Inquiry Comment : This inquiry is fraudulent and unauthorized. Please delete it from my credit file. 
REQUEST FOR CFPB ACTION I am requesting the CFPB to : 1. Investigate the reporting agencies and furnishers for violating FCRA Sections 602, 604, 606, 607, and 611.

2. Require them to provide proper verification for each disputed item.

3. Order deletion of any item that can not be verified with full original documentation.

4. Ensure correction of my personal information, including the wrong address.

5. Stop data furnishers from continuing to report false or unverifiable information.

These inaccurate entries are causing severe credit harm, emotional stress, and financial hardship. I am asking for your immediate assistance in correcting these violations.

Thank you for your attention and support.

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