Consumer complaint received 2025-11-04 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 Consumer Financial Protection Bureau, I am submitting this complaint regarding multiple inaccurate items being reported on my credit reports by various furnishers and credit bureaus. I have discovered several wrong addresses and charge-off accounts that do not belong to me or have been reported inaccurately. Despite my efforts to have them corrected or removed, these items remain and are negatively impacting my credit profile. 
Incorrect Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never lived at or used this address for any personal, employment, or credit purposes. This appears to be a mixed or mistaken identity entry. 
Inaccurate Charge-Off Accounts XXXX XXXX XXXX XXXX XXXX High Balance : {$7000.00} Date Opened : XX/XX/XXXX I do not recognize this account or have any record of opening it. Please verify the accuracy of this data and delete it if validation can not be provided. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3800.00} Date Opened : XX/XX/XXXX I have never held an account with this creditor. The reporting appears to be an error or an account belonging to another individual. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$30000.00} Date Opened : XX/XX/XXXX This entry is completely unfamiliar to me. I am requesting immediate validation and removal if it can not be substantiated with verified account documentation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$20000.00} Date Opened : XX/XX/XXXX This item is being incorrectly reported as a charge-off. I have no knowledge of such a debt or any relationship with this lender. XXXX XXXX XXXX XXXX XXXX  High Balance : {$3000.00} Date Opened : XX/XX/XXXX I do not recall applying for or maintaining any account with XXXX XXXX XXXX XXXX. Please provide signed documents for verification or remove this entry. XXXX XXXX XXXX XXXX XXXX  High Balance : {$2500.00} Date Opened : XX/XX/XXXX This duplicate entry is also not mine. I request it be deleted from my credit report due to lack of validation or consumer authorization. 
XXXX XXXX XXXX High Balance : {$50000.00} Date Opened : XX/XX/XXXX I have never opened or signed for any account with this institution. Please provide evidence of this accounts authenticity or delete it from my report immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$560.00} Date Opened : XX/XX/XXXX I have never opened or maintained an account with this credit union. This appears to be an erroneous entry and must be verified or deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX I have never filed for bankruptcy in any court or jurisdiction. This is a serious reporting error that is damaging my credit profile and must be removed without delay. 
The inquiries I am disputing are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me written confirmation once these inquiries have been verified or deleted. If these inquiries were made in error or fraudulently, I request that they be removed within 30 days of receipt of this letter. 
Summary of Complaint I am requesting that the CFPB investigate these reporting errors as violations of the Fair Credit Reporting Act ( FCRA ) and ensure that the credit bureaus and furnishers conduct a full reinvestigation. These inaccurate listings are causing substantial harm to my creditworthiness, and I demand immediate correction or deletion of the wrong information. 
Please confirm receipt of this complaint and initiate a thorough review with the involved parties ( credit bureaus and furnishers ). 
Thank you for your time and assistance.

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