Consumer complaint received 2025-10-22 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 formal complaint because multiple inaccurate, unverifiable, and unauthorized items have been reported on my credit report by various furnishers and reporting agencies. These accounts and inquiries have significantly harmed my credit standing and are in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, 1681i, and 1681s-2 ( a ).

Despite my efforts to dispute these items with the credit bureaus, they have failed to properly investigate or remove the false information. I have no knowledge of the accounts listed below, and several inquiries were made without my consent or authorization. I request the CFPB to conduct a thorough investigation into these violations and compel the involved entities to correct and delete these items immediately. 
Addresses Reported Incorrectly XXXX XXXX XXXX, XXXX, TX XXXX This address has been incorrectly reported on my credit file. I have never resided here nor authorized its use. Its presence on my report is false, misleading, and violates FCRA 609 ( a ) ( 1 ). 
XXXX XXXX XXXX, XXXX, TX XXXX This is also a false address. I have no association with this property, and its listing on my report constitutes inaccurate reporting that harms my creditworthiness. 
Accounts Reported Incorrectly XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported as : Charge Off I have no knowledge of this account. The charge-off status is entirely inaccurate. Reporting an account I do not recognize violates FCRA 611 ( a ) ( 1 ) ( A ), which requires credit bureaus to maintain accurate and verifiable information. I demand this account be deleted immediately. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Reported as : Charge Off I dispute this charge-off. I never incurred this debt and never received notice of any delinquency. Reporting this as a charge-off without verification violates FCRA 1681i ( a ). Immediate deletion is required. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$440.00} Reported as : Collection I have no knowledge of this account. Reporting it as a collection is false and misleading. FCRA 611 mandates removal of unverifiable accounts. I request deletion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Reported as : Collection This account is not mine, and I have no knowledge of it. Its reporting as a collection is illegal under FCRA 611. I demand prompt deletion. 
XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$470.00} Reported as : Collection This account is not recognized by me. Reporting it as a collection is inaccurate and violates FCRA 611 ( a ). I demand deletion. 
XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$460.00} Reported as : Collection This is a duplicate account and also not mine. Maintaining duplicates and reporting unverifiable debt violates FCRA 611 and 623. Immediate removal is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00} Reported as : Charge Off I have never incurred this debt. Reporting it as a charge-off is a violation of FCRA 611 ( a ). I demand this account be deleted immediately. 
Inquiries Reported Incorrectly XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These inquiries were made without my authorization. Under FCRA 604 ( a ), inquiries require my consent. Reporting unauthorized inquiries is illegal. I demand their removal from my credit report immediately. 
I respectfully request the Consumer Financial Protection Bureau to : 1. Conduct an immediate and thorough investigation into these false accounts and inquiries.

2. Require the credit reporting agencies and data furnishers to remove or correct all inaccurate, unverifiable, or unauthorized items.

3. Ensure compliance with FCRA 602, 609, 611, and 623, and penalize any furnisher that failed to verify accuracy before reporting. 
4. Provide me with a written confirmation once these corrections and deletions are completed.

These repeated violations have caused serious harm to my credit reputation, denied me financial opportunities, and caused unnecessary emotional and financial stress. I am seeking a full resolution under the consumer protection laws of the United States. 
Thank you for your prompt attention to this matter.

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