Consumer complaint received 2025-12-09 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: MS

Complaint narrative:
I am filing this complaint because my consumer report contains multiple inaccurate and unverified items that are causing ongoing harm, denial of credit, and emotional distress. I am requesting immediate investigation, enforcement of my FCRA rights, and deletion or correction of all disputed information. 

XXXX XXXX XXXX XXXX, XXXX XXXX Wrong Address I have never lived at or used this address, and attaching it to my file violates FCRA accuracy XXXX. Since no legitimate documentation exists linking me to this location, it must be removed immediately under FCRA XXXX. 

XXXX XXXX XXXX XXXX, GA XXXX Wrong Address This is not my address and I have never lived at this location. Continuing to attach this address to my profile violates the accuracy requirements of FCRA 607 ( B ) and must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX I have no knowledge of this account and never opened it. Reporting a charge-off for an account that does not belong to me violates FCRA 602 ( A ) and FCRA 611 because no verifiable documentation exists proving ownership. This account must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off I do not recognize this account and never had any relationship with this lender. Reporting this false information violates FCRA 607 ( B ) and FCRA 611 because unverifiable data can not legally remain. This item must be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off I have no knowledge of this account and never opened it. Since no evidence exists to prove it belongs to me, its continued reporting violates FCRA 602 ( A ) and 611. This account must be permanently deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Charge Off I never opened this account and do not authorize its reporting. Maintaining this false charge-off violates FCRA 607 ( B ) and the reinvestigation requirements under FCRA 611 . This item must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} I have no knowledge of this account and never opened or authorized it. Reporting an account that does not belong to me violates FCRA accuracy standards. Since no real documentation exists proving it is mine, it must be deleted under FCRA 611. 

Chapter XXXX Bankruptcy XXXX Court : U.S. Bankruptcy Court Bankruptcy I have never filed for bankruptcy and this record is not mine. Associating me with a federal bankruptcy that does not belong to me violates FCRA 602 ( A ) and 607 ( B ). Since no documentation exists linking me to this record, it must be deleted under FCRA 611. 

XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry and no permissible purpose exists under FCRA 604 . It must be removed. 

XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry and there is no lawful purpose ; it must be deleted. 

XXXX XX/XX/XXXX XXXX I did not give permission for this access and without permissible purpose it must be removed. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I never authorized this inquiry and it must be deleted under FCRA XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not authorize this inquiry and no valid purpose exists ; it must be removed. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not authorize this inquiry and it must be deleted for lack of FCRA XXXX permissible purpose. 

XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not authorize this access ; since no legitimate purpose exists it must be removed. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry I did not approve this inquiry and it must be deleted immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry I did not authorize this inquiry and because there is no permissible purpose it must be removed. 

I am requesting immediate intervention and enforcement by the Consumer Financial Protection Bureau. These inaccuracies continue to inflict financial harm, emotional distress, and loss of credit opportunities. I am demanding a full investigation and correction or deletion of all disputed items listed above in compliance with the FCRA.

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