Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
b"I am filing this formal complaint with the Consumer Financial Protection Bureau (CFPB) regarding multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my credit reports. Despite my previous disputes and requests for validation, these items remain unresolved or have been improperly reinserted without proper notification. I am requesting that the CFPB take immediate action to enforce my rights under the Fair Credit Reporting Act (FCRA), 15 U.S. Code  1681, and hold the data furnishers and credit reporting agencies accountable for their negligence and violations. Each of the following items requires full reinvestigation, proper documentation, and if verification is not legally substantiated, complete deletion.\n\nXXXX XXXXXXXX XXXX XXXX XXXX XXXX Address\nLaw: FCRA 602 A(1), 607(b) Issue: This address is not associated with me and has never been my place of residence Story: I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX yet it appears on my credit report creating confusion and potential misassociation with fraudulent or inaccurate account data I am requesting that this address be deleted as it is not a verified residence linked to me\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX  Address\nLaw: FCRA 602 A(1), 607(b) Issue: This address is incorrect and does not belong on my credit profile Story: I have no known association with XXXX XXXX XXXX XXXX XXXX XXXX and its appearance on my report raises privacy concerns and may result in mixing of my credit file with another individual's information please remove this address from my report as it is unverifiable and not accurate\nXXXX XXXX XXXX XXXX Date Opened: XXXX Balance: XXXX ChargeoffXXXX\nLaw: FCRA 602 A(1), 607(b), 611 Issue: This account was previously resolved and deleted but has been reinserted without proper notice Story: I previously disputed this chargeoff and it was removed from my report yet it has reappeared without any certification of accuracy as required by FCRA 611(a)(5)(B) this account must be deleted immediately for reinsertion without notification and lack of verifiable documentation\nXXXX XXXX Date Opened: XXXX Balance: $XXXX ChargeoffXXXX\nLaw: FCRA 602 A(1), 607(b), 611 Issue: This account is inaccurate and not validated with original documentation Story: This chargeoff is reporting a large balance that I dispute as I never received full breakdown of the debt or agreement documents upon request under FCRA 611 the reporting furnisher has failed to verify the accuracy of this information therefore this item should be deleted\nXXXX XXXX Date Opened: XXXX  Balance: $519.00 ChargeoffXXXX\nLaw: FCRA 602 A(1), 607(b), 609(a)(1) Issue: Account is unverified and lacks original agreement or validation Story: I do not recognize this debt and upon challenging it I was never provided with verification of the original account terms or proof of liability under FCRA 609(a)(1) the creditor must show original signed documentation which has not been provided delete this unverifiable account\nXXXX XXXX Date Opened: XXXX  Balance: XXXX  Chargeoff**\nLaw: FCRA 602 A(1), 607(b), 609 Issue: This chargeoff is inaccurate and not supported by verified records Story: I requested verification of this debt which was never provided nor were original signed loan documents or account statements submitted this item is negatively affecting my creditworthiness and must be removed under FCRA 609 and 611 due to failure of verification\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnLaw: FCRA 602 A(1), 607(b), 611 Issue: Duplicate or misattributed bankruptcy record Story: This appears to be a duplicate or erroneous entry related to a bankruptcy that may not exist or may be falsely associated with me the bureau is required to validate all public records directly with the courthouse if such verification cannot be produced this must be removed immediately from my file\nXXXX XXXX XXXX Inquiry\nLaw: FCRA 604(a)(3), 607(a) Issue: Duplicate unauthorized inquiry Story: This appears to be a duplicate unauthorized inquiry from XXXX  XXXX  on the same day as another entry I did not apply for credit with this company and was not informed of this access this inquiry violates my rights and should be removed\nXXXX XXXX Inquiry\nLaw: FCRA 604(a)(3), 607(a) Issue: Inquiry made without my permission Story: I have no record of applying for credit or initiating any transaction with XXXX  on this date therefore this inquiry lacks permissible purpose and must be deleted immediately under federal law\nESB/XXXX XXXX XXXX XXXX XXXXnquiry\nLaw: FCRA 604(a)(3), 607(a) Issue: No permissible purpose for this inquiry Story: I have never applied for a XXXX XXXX credit product and this unauthorized inquiry is damaging my score I request full deletion of this entry as it violates my rights under the FCRA\nXXXX XXXX Inquiry\nLaw: FCRA 604(a)(3), 607(a) Issue: Hard inquiry with no consent Story: I did not apply for credit with this company and there is no record of my consent or application associated with this inquiry remove this inquiry under the Fair Credit Reporting Act\nXXXX XXXX XXXX XXXXnquiry\nLaw: FCRA 604(a)(3), 607(a) Issue: Inquiry not authorized Story: I never gave consent to XXXX XXXX for any credit-related activity nor did I engage in any transaction that would warrant this inquiry remove immediately\nI respectfully request the Consumer Financial Protection Bureau (CFPB) to conduct a full investigation into these matters and ensure all violators are held accountable. I am requesting deletion of all unverifiable, unauthorized, and inaccurately reported items from my credit profile. My rights have been repeatedly violated, and these violations have resulted in financial hardship, stress, and the loss of credit opportunities. I am asking the CFPB to protect my rights under the FCRA and ensure these abusive and negligent practices are stopped. I am also requesting copies of any documentation used in the reinvestigation process and confirmation that these items have been resolved and removed."

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