Consumer complaint received 2025-12-01 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:
To Whom It May Concern This is a formal complaint against multiple inaccurate, unverified, and misleading accounts, collections, charge-offs, and inquiries that are currently being reported on my consumer credit reports. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681i ( reinvestigation of disputed information ), 1681e ( b ) ( maximum possible accuracy ), and 1681s-2 ( a ) ( furnishers must report accurate information ). The accounts listed below are causing significant harm and hardship. I am demanding immediate verification with complete documentation or permanent removal if the furnisher can not substantiate the accuracy of the information. 
XXXX XXXX, XXXX, TX XXXX Wrong Address This address has never belonged to me, I never lived there, never used it for employment, banking, utilities, or any official documentation, and no records exist linking me to this location, which means this reporting is completely inaccurate and must be removed immediately as it creates identity confusion and violates FCRA accuracy standards. 
XXXX XXXX Acct : XXXX XXXX XXXX High Balance : {$560.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment reported is completely incorrect, I made my payments on time and never received any indication of delinquency, and the furnisher has no evidence or billing records to support this claim, meaning this is an FCRA 623 violation, and the payment history must be updated to reflect Never Late Paid On Time immediately. 
XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment entries are inaccurate and do not match my actual payment activity, and there is no legitimate proof from the furnisher validating any late month, indicating this is likely a data-entry or reporting error, and therefore the entire payment history must be corrected to reflect accurate on-time payments. 
XXXX XXXX Acct : XXXX * High Balance : {$29000.00} Date Opened : XX/XX/XXXX Charge-Off * * I have no connection to this account, never financed a vehicle under this account number, and no contractual agreement exists with my signature or identity, meaning this charge-off is falsely attached to my report, unverified, and must be deleted immediately for failure to establish ownership or liability. 
XXXX Acct : XXXXXXXX XXXX XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is impossible because my student loan was under deferment at the time, and federal loan rules prohibit reporting late payments during deferment, so this is an unlawful and inaccurate entry that must be corrected immediately. 
XXXX Acct : XXXX XXXX XXXX  High Balance : {$4900.00} Date Opened : XX/XX/XXXX Late Payment * * This reporting is also wrong because no payment was due during that period, my account was not in a billable status, and the servicer failed to update the accurate status, so this must be fixed as required by FCRA 623. 
XXXX Acct : XXXX * High Balance : {$1500.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment shown here is incorrect because the account was not in active repayment at that time, meaning no late payment could legally exist, and this is an error that must be removed during reinvestigation. 
XXXX Acct : XXXX XXXX XXXX High Balance : {$8900.00} Date Opened : XX/XX/XXXX Late Payment * * This late entry is false because I had administrative holds and deferment protections during this period, and the servicer can not lawfully report delinquency under these conditions, so this must be corrected immediately. 
XXXX Acct : XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is inaccurate, unsupported by any valid payment record, and conflicts with my deferment periods, meaning this furnisher-reported data is wrong and must be corrected or deleted completely. 
XXXX Acct : XXXX XXXX XXXX XXXX High Balance : {$5200.00} Date Opened : XX/XX/XXXX Charge-Off * * I do not recognize or acknowledge this account, never agreed to any loan terms, never signed any application, and there is zero proof I opened this account, making it an unverified and unauthorized debt that must be deleted immediately under the FCRA reinvestigation requirements. 
XXXX Acct : XXXX XXXX  High Balance : {$4200.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is completely inaccurate because my account was in deferment and no payment was due during this period, which means reporting any delinquency is illegal under federal student loan regulations, and this furnisher must correct the record immediately as required under FCRA 623 since no valid billing records exist that can support a late payment claim. 
XXXX Acct : XXXX * High Balance : {$5000.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is also incorrect because I was not active in repayment at the time, and no documentation can prove otherwise, which means this entry is a clear data accuracy failure and must be deleted or corrected to reflect an on-time status since the servicer can not validate a late billing cycle that never existed. 
XXXX Acct : XXXX * High Balance : {$500.00} Date Opened : XX/XX/XXXX Charge-Off * * I do not recognize this account, never opened it, never signed any contract, and no proof of ownership has ever been presented, making this an unverified and unauthorized account that must be deleted immediately because reporting a debt without establishing consumer identity is a major violation under FCRA XXXX and XXXX. 
XXXX Acct : XXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is impossible because the account was under federally protected deferment during the timeframe, and loan servicers are prohibited from reporting delinquencies under deferment or forbearance, so this reporting error must be corrected immediately because it misrepresents my repayment behavior. 
XXXX Acct : XXXX XXXX  High Balance : {$1100.00} Date Opened : XX/XX/XXXX Charge-Off * * This account is not mine, I never applied for or authorized any loan with this lender, and the furnisher has failed to provide any original signed agreement or identity verification that links me to this debt, making it an unverified and fraudulent account that must be removed immediately. 
XXXX Acct : XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Late Payment * * This late payment is inaccurate because my account status did not require payment at this time, and the servicer has no accurate records showing a missed payment, meaning this delinquency is a direct reporting error and must be corrected or deleted under FCRA accuracy obligations. 
XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$950.00} Date Opened : XX/XX/XXXX Charge-Off * * I do not recognize this account at all, no documentation has been provided proving that I opened this account, and the furnisher has failed to verify ownership or provide any contractual evidence, making this an unauthorized and unverifiable account that must be deleted completely. 
XXXX  XXXX XXXX Acct : XXXX XXXX  High Balance : {$100.00} Date Opened : XX/XX/XXXX Charge-Off * * This account is not mine, I never authorized or applied for this loan, and the creditor has failed to provide any records showing my signature or identity, so this charge-off is unverified and must be deleted in compliance with FCRA reinvestigation requirements. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Collection * * This collection account is incorrect because I do not owe this debt, no original creditor documentation has been provided, and LVNV has a known history of purchasing unverified debt, meaning this must be removed since it can not be validated under 609 or 611 requirements. 
XXXX XXXX XXXX Acct : XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Collection * * This account is not mine, no validation has been provided, no contract exists linking me to this company, and this appears to be an identity-related reporting error, meaning this collection account must be removed immediately for failure to establish authenticity or ownership. 
XXXX XXXX Acct : XXXX High Balance : {$9700.00} Date Opened : XX/XX/XXXX Collection * I do not recognize this account, never authorized any transaction with this company, and no valid contract or proof of ownership has been provided, meaning this is an unverified and inaccurate collection entry that must be deleted immediately under FCRA 609 and 611 because the furnisher can not validate the debt. 
XXXX  Acct : XXXX XXXX XXXX High Balance : {$550.00} Date Opened : XX/XX/XXXX Charge-Off * * This charge-off is completely incorrect because I have no knowledge of this account, never opened any loan with this lender, and the creditor has failed to provide authentication, identity verification, or any original signed agreement, making this an unauthorized and fraudulent account that must be removed. 
XXXX XXXX Acct : XXXX High Balance : {$250.00} Date Opened : XX/XX/XXXX Collection * * This collection is inaccurate because I do not owe this debt, never received any notice, never acknowledged this amount, and no original creditor documentation has been provided, making this an unverifiable and invalid collection account that must be removed immediately under FCRA accuracy standards. 
XXXX  Acct : XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Collection * * I do not recognize this company or this account, and the furnisher has not provided any proof of ownership or original contract, making this an unverified collection that must be removed immediately due to lack of validation. 
XXXX XXXX  Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$710.00} Date Opened : XX/XX/XXXX Collection * * XXXX has not provided any documentation proving I owe this debt, and they frequently purchase unverified accounts, meaning this collection is not supported by original creditor records and must be removed for failure to validate under 609 and 611. 
INQUIRIES ( Unverified / Unauthorized Hard Pulls ) XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX I did not authorize this hard inquiry, never applied for credit with this lender, and therefore this inquiry is unauthorized and must be removed immediately. 
XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry is unapproved, I did not submit any application, and the furnisher has no authorization on file, therefore it must be deleted. 
XXXX XXXX XXXX Date : XX/XX/XXXX I did not apply for this credit card, never authorized a hard pull, and therefore this inquiry must be deleted for being unauthorized. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry is not authorized by me, no application was submitted, and it must be removed immediately for lack of permissible purpose. 
XXXX  XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not apply for credit with this institution on this date, meaning this hard inquiry is unauthorized and must be deleted. 
XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry, never applied for this account, and therefore this entry must be deleted. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX This inquiry is unapproved, I never submitted any application, and the furnisher can not validate any authorization, so it must be deleted. 
XXXX Inquiry Date : XX/XX/XXXX I did not authorize this pull, never applied for credit on this date, and this inquiry must be removed. 
I am requesting the CFPB to fully investigate these inaccurate entries and require the credit bureaus and furnishers to provide full supporting documentation including original signed agreements, complete account histories, validation notices, and proof that I am legally responsible. If validation can not be produced, I request immediate removal of all disputed items. Under FCRA, the burden of proof is on the furnisher to verify accuracy. These accounts and inquiries are causing severe damage to my creditworthiness and financial stability. I request immediate action and written confirmation of results.

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