Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
This complaint is being filed against the credit reporting agencies and furnishers of information who are knowingly reporting inaccurate, unverifiable, and unauthorized data on my consumer credit file. These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The following accounts and inquiries are unlawful, misleading, and damaging to my financial standing. 
Incorrect Addresses Reported ( Identity/Privacy Violation ) : XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX The repeated listing of the same XXXX address XXXX times is evidence of data inaccuracy and poor record maintenance. The reporting of addresses not associated with me also raises identity theft concerns. The credit bureaus have a legal duty under FCRA XXXX ( b ) to assure maximum possible accuracy, yet they have failed to uphold this responsibility. 
Accounts in Dispute : XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX | High Balance : {$20000.00} | Reported Status : Collection This account is reported with a very large balance and labeled as a collection without the furnishers ever providing proper validation. I have never been given proof of an original contract, an itemized statement of charges, or clear documentation linking me to this alleged debt. Under FDCPA 809 ( 15 U.S.C. 1692g ), I am entitled to full validation of any alleged debt. The reporting of such a large, unverified balance is not only misleading but damaging to my creditworthiness. I have disputed this account, but instead of conducting a proper investigation as required under FCRA 611, the bureaus simply verified the account with the furnisher without actual evidence. This is a common abusive practice where furnishers recycle unverifiable information, harming consumers. The financial impact is severe, as this false collection account misrepresents me as owing tens of thousands of dollars, leading to denial of credit and housing opportunities, higher interest rates, and humiliation when applying for financial products. This is a clear violation of both FCRA and FDCPA, and I demand its permanent removal. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$580.00} | Reported Status : Collection This account is also listed as a collection, yet no proof of its validity has ever been provided. XXXX XXXX is a known debt buyer that frequently purchases old, unverified, or time-barred accounts and attempts to collect on them. Without producing a legally binding contract bearing my signature, proof of the original creditor, and a complete payment history, this account can not be legally reported. Reporting unverifiable information is a violation of FCRA XXXX ( a ) ( XXXX ) ( A ) and FDCPA XXXX, which prohibits false or misleading representations. I have disputed this account, but the credit bureaus continue to allow its presence without real investigation. The existence of this small but damaging collection account paints me as financially irresponsible when in reality the debt is questionable and unsupported. This directly affects my ability to maintain financial stability, creates stress, and unfairly limits my opportunities for credit and housing. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | High Balance : {$100.00} | Status : Collection This debt is being reported as a collection, but no validation has been provided. I have not received proof of contract, itemized billing, or any lawful documentation connecting me to this account. Under FDCPA XXXX and FCRA XXXX, furnishers can not legally report unverifiable debt. The amount reported is small, yet its presence on my file has an outsized negative effect, lowering my creditworthiness and labeling me as delinquent. The reporting of this unverifiable account without evidence of liability is misleading, inaccurate, and a violation of federal law. 
Hard Inquiry Disputes : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries are being reported without my authorization. I did not XXXX permission for these companies to access my credit profile, and their repeated entries on the same dates show a pattern of abusive and negligent reporting. Under FCRA XXXX ( a ) ( XXXX ), a permissible purpose must exist for any inquiry. Without a signed application or consent from me, these inquiries are unauthorized and must be removed. Repeated inquiries from the same creditor on the same day artificially lower my XXXX XXXX, create the impression that I am applying for excessive credit, and misrepresent my financial behavior. This is damaging, misleading, and a direct violation of consumer protection laws. 
Consumer Harm & Narrative Because of these false collection accounts and unauthorized inquiries, I have been treated as financially irresponsible when in reality these reports are inaccurate and unverified. My XXXX XXXX has been unfairly lowered, I have faced denials for financial products, been forced to pay higher interest rates, and experienced embarrassment when questioned about these false entries. I exercised my rights by disputing these accounts and inquiries, yet the bureaus failed to reinvestigate properly as required under FCRA XXXX. The continued presence of unverifiable collections and unauthorized inquiries is unlawful, misleading, and harmful to me as a consumer. 
Relief Requested I respectfully request that the CFPB enforce compliance with the FCRA and FDCPA by : Deleting the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXllection entries in full. 
Removing all unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Taking corrective action against the furnishers and credit reporting agencies who allowed inaccurate and unverifiable information to remain on my credit file. 
Ensuring that no deleted or unverifiable information is reinserted without proper legal certification.

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