Consumer complaint received 2025-05-24 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:
My name XXXX XXXX, and I am filing this complaint with the Consumer Financial Protection Bureau regarding extensive and damaging inaccuracies across all three of my credit reportsmaintained by Equifax, Experian, and TransUnionand violations committed by certain furnishers and inquiry initiators. These actions have resulted in ongoing harm to my financial stability and credit reputation.

Personal Identity Inaccuracies : My credit files wrongfully associate me with multiple addresses where I have never resided. This is a grave violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. The false addresses include : 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 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  These inaccurate addresses suggest a mixed file issue or identity confusion, and their presence places me at risk of identity theft and improper account assignment.

Erroneous and Unverifiable Accounts : I have repeatedly disputed numerous accounts that are either not mine, falsely attributed, or improperly reported without verification. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Collection, {$610.00}, opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Late Payments, {$530.00}, opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Collection, {$940.00}, opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Collection, {$540.00}, opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off, opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Collection, {$1000.00}, opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection, {$370.00}, opened XX/XX/XXXX These furnishers have failed to produce validation as required under the FDCPA ( 15 U.S. Code 1692g ( a ) ) and have not fulfilled their duty to investigate under FCRA 1681i. The charge-off account with XXXX XXXX XXXX is especially concerning as I have never received a 1099-C notice per IRS Publication XXXX, which is mandated for canceled or charged-off debts. 

Unauthorized Inquiries Invasion of Financial Privacy : My reports show over XXXX hard inquiries, many of which I never consented to. These inquiries are reported by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others Under FCRA 1681b, a permissible purpose must exist for a credit report to be pulled. No such purpose or consent was given for many of these inquiries. These intrusions are not only unlawful but damaging to my credit standing and peace of mind. 

The Personal Impact : Due to these inaccuracies and violations, I have been denied credit lines, experienced increased interest rates, and suffered substantial emotional stress. These mistakes have followed me despite my consistent efforts to dispute them with the credit bureaus. Willful noncompliance with FCRA and FDCPA warrants civil liability under FCRA 1681n and FDCPA 1692k.

Requested Relief : I request the CFPB to : Investigate the aforementioned bureaus and furnishers for violations. 

Compel deletion of all incorrect addresses, unverifiable accounts, and unauthorized inquiries. 

Enforce compliance with FCRA and FDCPA provisions. 

I affirm that the facts presented are true to the best of my knowledge. I appreciate the Bureaus assistance in protecting consumer rights.

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