Consumer complaint received 2025-08-01 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: OK

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, unverifiable accounts, unauthorized inquiries, and false addresses appearing on my credit reports. Despite my previous disputes with the credit bureaus, these errors remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate these issues thoroughly and take regulatory action against the data furnishers and credit reporting agencies who have failed to comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX LAW : FCRA Section 609 ( c ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ) ISSUE : This address is inaccurate and does not belong to me STORY : I have never lived at this address and it does not belong on my credit report. It may be linked to fraudulent or mistaken activity and I request immediate deletion from my credit file XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OK XXXX LAW : FCRA Section 609 ( c ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ) ISSUE : This is an incorrect address being reported under my file STORY : I do not recognize this address and have no association with it. Please remove it as it contributes to misidentification and false account linkages XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2.00} XXXX XXXX LAW : FCRA Section 602 ( A ), 607 ( B ), 611 ISSUE : Unverified and excessive negative reporting for minor amount STORY : Reporting a charge-off over a {$2.00} balance is unreasonable, damaging, and may reflect improper collection reporting. This entry lacks validation and must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$48.00} * * LAW : FCRA Section 602 ( A ), 607 ( B ), 611 ISSUE : Unverified low-dollar charge-off reported incorrectly STORY : I was never notified or given a chance to dispute or resolve this. It was not validated with supporting documentation and must be deleted for violating FCRA requirements XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * * LAW : FCRA Section 602 ( A ), 611, 609 ISSUE : Reporting a charge-off on a {$0.00} balance account is incorrect STORY : This account has no outstanding balance and should not be marked as a charge-off. It harms my credit file without justification and must be corrected or deleted XXXX XXXX XXXX XXXX LAW : FCRA Section 609 ( a ) ( 1 ), 611 ( a ), 623 ( b ) ISSUE : Collection account not validated or properly communicated STORY : I do not recall this bill being communicated or verified. I was not offered a chance to dispute or resolve it. Reporting without validation is a violation of my rights XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} * LAW : FCRA Section 609, 611, 623 ( b ) ISSUE : Unfamiliar collection listed with {$0.00} balance STORY : I have no record of any debt from this entity. No notice or documentation was ever received and this listing appears erroneous. Please remove or provide full verification XXXX XXXXXX/XX/XXXX LAW : FCRA Section 604 ( a ) ( 3 ), 611 ( a ) ( 1 ) ( A ) ISSUE : Duplicate unauthorized inquiry STORY : There are two identical hard inquiries from OneMain on the same day. I did not authorize either. These are harmful and must be deleted from my credit file XXXX XXXX XXXXXX/XX/XXXX LAW : FCRA Section 604 ( a ) ( 3 ), 611 ( a ) ( 1 ) ( A ) ISSUE : Inquiry made without consumer permission STORY : I did not initiate any credit application with XXXX XXXX and this inquiry is not authorized. It should be removed under FCRA provisions I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to launch a full investigation into these matters. The data furnishers and credit reporting agencies have failed to comply with the FCRA by reporting inaccurate, unverifiable, outdated, and unauthorized information on my credit report. I am requesting full deletion of the accounts, inquiries, and addresses listed above. I have attached supporting documents including my identification and proof of residence for verification purposes. Please take enforcement action as appropriate to ensure my rights are protected and restored.

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