Consumer complaint received 2025-11-05 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 submitting this complaint because Experian is reporting multiple inaccurate and unverifiable items on my credit report, which have caused serious harm to my credit reputation. These errors include false addresses, accounts that do not belong to me, an incorrect bankruptcy record, and an unauthorized inquiry. Despite my effort to maintain accurate information, Experian has failed to ensure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA 607 ( b ) ). 

Experian is reporting XXXX addresses that are entirely incorrect and not associated with me in any way. The addresses XXXX XXXX XXXX, XXXX, TX XXXX, and XXXX XXXX XXXX, XXXX, TX XXXX are not connected to my identity or residence history. Their continued appearance on my credit file indicates a lack of verification and a violation of Experians duty to maintain accuracy in consumer data. 

Additionally, Experian is reporting several charge-off accounts that I have no knowledge of or connection to. These include XXXXXXXX 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 XXXXe Opened XX/XX/XXXX Balance Owed {$0.00}. Each of these accounts is false, unverifiable, and does not belong to me. Their reporting has caused confusion and damage to my credit profile, and Experian has not provided any documentation or verification proving their legitimacy. 

Experian is also reporting a bankruptcy record under XXXX XXXX XXXX  TX XXXX Reference # XXXX with a closing date of XX/XX/XXXX. I have never filed for bankruptcy in my lifetime, and this record is entirely inaccurate. The inclusion of a false bankruptcy has caused significant reputational harm and is a direct violation of FCRA 611 ( a ), which requires the immediate removal of unverifiable or incorrect public records. 

Furthermore, Experian has listed an inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I did not authorize or initiate this inquiry, and it represents an unauthorized access to my credit information. Under FCRA 604 ( a ), any inquiry not permitted by the consumer is a violation of federal law and should not appear on the consumers credit file.

Despite these clear inaccuracies, Experian has failed to conduct a proper reinvestigation as required under FCRA 611. The reporting of false information, combined with a lack of verification, demonstrates negligence and disregard for consumer rights. These actions have caused unnecessary distress, lowered creditworthiness, and interfered with my ability to obtain financial opportunities. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX handling of my credit data and ensure the immediate deletion of all inaccurate and unverifiable information from my credit report, including the false addresses, the charge-off accounts, the bankruptcy record, and the unauthorized inquiry. I also request that Experian confirm in writing that these deletions have been completed and that safeguards are implemented to prevent similar errors in the future. 

This matter has caused ongoing frustration and harm, and I am seeking fair and timely resolution in accordance with the rights guaranteed to me under the Fair Credit Reporting Act.

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