Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and potentially fraudulent accounts that have been reported on my credit file without my authorization or proper verification. These items have significantly harmed my credit score, disrupted my financial stability, and continue to affect my ability to secure housing, employment, and credit. Despite my efforts to dispute these accounts with the furnishers and credit bureaus, the information remains unresolved. I respectfully request the CFPB to intervene and ensure full compliance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection statutes. 

Addresses on Record : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX These addresses have been associated with the questionable and unauthorized accounts listed below. I have reason to believe that these accounts may have been erroneously attributed to me or created without my knowledge. 

XXXX. XXXX XXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XXXX : $ XXXX : Charge Off I have never had an account with XXXX XXXX XXXX. I did not authorize this account, and I have no knowledge of the debt. This account may be the result of misattribution or error. It violates 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ) of the FCRA, which require accurate reporting and prompt investigation after a dispute. 

XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX : $ XXXX : Charge Off This account is reporting a future open date ( XXXX  ), which is not only inaccurate but indicates a possible error or fabricated record. I have never had a policy or outstanding debt with XXXX XXXX. This constitutes a violation under 15 U.S.C. 1681i ( a ), requiring reinvestigation of disputed items. 

XXXX. XXXX Credit ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX : $ XXXX : Collection I did not authorize any lease or financial agreement with XXXX XXXX XXXX or XXXX XXXX XXXX This account is unknown to me and may have been opened erroneously. Under the FCRA ( 15 U.S.C. 1681c-2 ), consumers have the right to block fraudulent or inaccurate information. 

XXXX. XXXX XXXX XXXX # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XXXX : $ XXXX : Charge Off I do not recognize this account or the original creditor. I did not receive any notice validating this debt under FDCPA 1692g ( a ), which requires debt collectors to provide verification of the debt within five days of initial communication. 

Impact Statement : These unauthorized and inaccurate accounts have severely damaged my credit score and denied me access to essential financial services. I have experienced stress, XXXX, and difficulty obtaining safe housing and fair credit opportunities. I have submitted disputes to the credit bureaus, yet these accounts remain unresolved. 

Request for Resolution : I am requesting that the CFPB direct the furnishers and credit bureaus to : Fully investigate each disputed account Remove or correct any unverifiable or inaccurately attributed accounts Provide me with documentation of the investigation and results Ensure compliance with all consumer protection laws including FCRA and FDCPA I am prepared to provide supporting documentation including prior dispute letters upon request. I respectfully urge the CFPB to hold these furnishers accountable and to assist in rectifying the harm caused.

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