Consumer complaint received 2025-06-18 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:
I am filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ) by the credit bureaus and furnishers reporting to them. The following concerns include inaccurate personal information, unverified derogatory accounts, and unauthorized hard inquiries that have severely impacted my credit profile, financial stability, and emotional well-being. 
XXXX. Inaccurate Personal Addresses Being Reported The following addresses are incorrect and have no known or verified association with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These listings are erroneous, unverifiable, and in violation of FCRA Section 609 ( a ) ( 1 ), which entitles me to full disclosure of the sources and verification of any information reported.

2. Unverified and Outdated Charge-Off Accounts The following accounts are being inaccurately reported as charged off without proper validation or legal verification. These violate FCRA Sections 623 ( a ) ( 1 ) ( A ) and 611, and some may involve abusive collection practices under FDCPA : 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 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 XXXX XXXX XXXX  Under FCRA Section 611, I have the right to dispute inaccurate information, and the data furnisher must verify the item or delete it. Many of these accounts have surpassed reporting limitations or lack documentation. 
XXXX. Invalid Collection Account XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$8700.00} This collection lacks proper documentation, validation notice, and itemization, violating FDCPA Section 809 ( a ) and FCRA Section 623 ( b ). 
XXXX. Unauthorized or Excessive Hard Inquiries XXXX XXXX hard inquiries have been recorded on my credit reports without my permission or a permissible purpose, as required under FCRA Section 604 ( a ) ( 3 ). I did not initiate or authorize these inquiries. These include but are not limited to : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Many of these inquiries occurred on the same day and from similar creditors, which suggests inquiry padding, pre-screening abuse, or auto dealer shotgun financing, none of which were properly disclosed or authorized. 
Legal Violations Summary FCRA 602, 604, 609, 611, 623 Lack of accuracy, permissible purpose, and verification.

FDCPA 807, 809 Failure to validate debt, misrepresentation, and abusive collection.

FCRA 605 Reporting obsolete accounts and inquiries outside statutory time limits.

Resolution Requested 1. Immediate removal of the incorrect addresses listed above.

2. Deletion of the unverified charge-offs and collection accounts.

3. Removal of all unauthorized and excessive hard inquiries. 
XXXX. Full investigation into each item and written results within 30 days per FCRA. 
Please consider this a formal complaint and request for regulatory enforcement. I am prepared to escalate this matter legally should compliance not be met promptly. 
Thank you for your prompt attention to these serious concerns.

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