Consumer complaint received 2025-10-23 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:
Dear CFPB Representative, I am writing to file a formal complaint against the credit reporting agencies ( Experian, XXXX XXXX XXXX  ) and the following data furnishers for reporting inaccurate, unverified, and unauthorized information on my credit report. Despite my good credit habits, these false entries have caused me serious harm, including denial of credit opportunities, lowered credit scores, and emotional distress. 
I have previously disputed these accounts directly with the credit bureaus, but the items remain on my file without proper investigation or verification as required under the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address I have never resided or received mail at these locations. The presence of these addresses is not only inaccurate but could also lead to fraudulent or mixed-file issues. I am demanding their deletion from all reporting databases under FCRA 609 and 611. 
Additionally, my credit report lists several accounts with false and misleading payment histories. I strongly dispute these entries as inaccurate and request a full reinvestigation with documentation proving their validity. I have no late payments for the accounts listed below, and some charge-offs are accounts I have no knowledge of whatsoever. Please review and correct or delete these immediately XXXX XXXX XXXX XXXX XXXX  High Balance : {$200000.00} | Date Opened : XX/XX/XXXX | Late Payment This account is being incorrectly reported with late payments. I have never missed a payment on this loan. This error has caused major harm to my credit standing. Please correct this inaccuracy immediately. 
XXXX XXXX XXXX XXXX High Balance : {$200000.00} | Date Opened : XX/XX/XXXX | Late Payment This is the same loan reflected under another name, which suggests duplicate or misreported data. Both should be investigated, and the incorrect late payment reporting must be fixed immediately. 
XXXX XXXX High Balance : {$950.00} | Date Opened : XX/XX/XXXX | Charge Off I have no knowledge of this account. This alleged charge-off is inaccurate and should be deleted as it is not mine. 
XXXX XXXX XXXX High Balance : {$690.00} | Date Opened : XX/XX/XXXX | Charge Off This is not a legitimate account I recognize. Please remove it as it is a case of either mixed credit file or reporting error. 
XXXX XXXX XXXX XXXX High Balance : {$610.00} | Date Opened : XX/XX/XXXX | Charge Off This account was fully paid and should not be shown as charged off. This is a clear reporting mistake that must be corrected. 
XXXX XXXX XXXX High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Late Payment This account is reported inaccurately with late payments. I have maintained timely payments, and no proof exists to support the reported delinquencies. 
XXXX XXXX XXXX * High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Charge Off This is another false and damaging report. I have no account with XXXX XXXX, and it must be deleted for lack of verification. 
XXXX XXXX XXXX XXXX  High Balance : {$0.00} | Date Opened : XX/XX/XXXX | Charge Off I have never had any account with XXXX XXXX, nor have I ever received any service or billing statement from them. This account is completely unknown to me and must be removed immediately as it is an unverified and fraudulent entry. 
XXXX XXXX XXXX XXXX  High Balance : {$1000.00} | Date Opened : XX/XX/XXXX | Charge Off This account does not belong to me. I have no record or relationship with this lender. The reporting of a charge-off is false, and I demand deletion of this entry for lack of verifiable documentation. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$19000.00} | Date Opened : XX/XX/XXXX | Late Payment This account is being reported with alleged late payments that are completely inaccurate. I have always paid on time, and there is no proof that I was ever delinquent. Please correct this reporting error immediately. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$51000.00} | Date Opened : XX/XX/XXXX | Late Payment Once again, false late payments are being reported under my name. This is an error in your data reporting, and I demand correction under FCRA 611. I never missed payments for this loan. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$950.00} | Date Opened : XX/XX/XXXX | Collection I have no association with XXXX XXXX. This appears to be a collection attempt for an account that I never owned. Without full validation including signed documentation, this item must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1500.00} | Date Opened : XX/XX/XXXX | Collection This collection is not valid. I do not owe any debt to XXXX XXXX XXXX. No validation has been provided, and I request its immediate deletion as per my rights under FCRA 611. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$730.00} | Date Opened : XX/XX/XXXX | Collection This appears to be a duplicate entry for the same alleged account with different amounts. This duplicate reporting is inaccurate and misleading. Please remove this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Charge Off I have no knowledge of this account or any contractual relationship with XXXX XXXX. This charge-off is false, harmful, and must be deleted as there is no documentation or authorization linking me to it. 
XXXX XXXX XXXX XXXX High Balance : {$680.00} | Date Opened : XX/XX/XXXX | Collection I do not recognize this account. I have never entered into any agreement or financial obligation with this company. This entry appears to be a reporting error or possible case of mistaken identity. Please remove it immediately. 
XXXX XXXX XXXX  High Balance : {$1900.00} | Date Opened : XX/XX/XXXX | Collection This account is completely unknown to me. I have never received any communication or validation from this company. It is unverified and must be deleted from my report immediately. 
XXXX XXXX XXXXXXXX XXXX  High Balance : {$950.00} | Date Opened : XX/XX/XXXX | Collection This company is repeatedly appearing on my credit report under different variations and amounts. I have no account or contractual relationship with XXXX XXXX. Please remove this unverifiable entry immediately as required under FCRA 611. 
XXXX XXXX XXXX XXXX  High Balance : {$1100.00} | Date Opened : XX/XX/XXXX | Collection This account is not mine. I have never opened or authorized any debt with this entity. Without a fully verified and signed agreement, this must be deleted for being false and unverified. 
XXXX XXXX XXXX XXXX  High Balance : {$1200.00} | Date Opened : XX/XX/XXXX | Collection I do not recognize this account. It is reported falsely and without any validation. Please remove this entry as it violates FCRAs accuracy and verification standards. 
XXXX XXXX XXXX XXXX High Balance : {$870.00} | Date Opened : XX/XX/XXXX | Collection This is another XXXX XXXX account being listed that I have no connection to. Multiple similar entries from this company are appearing, which seems like duplicate reporting. These entries are inaccurate and must be deleted immediately. 
XXXX XXXX XXXX XXXX  High Balance : {$2500.00} | Date Opened : XX/XX/XXXX | Collection This collection is not mine. I have never received any notice, bill, or validation from this agency. Please delete this unverifiable item immediately under FCRA 611. 
XXXX XXXX XXXX XXXX * High Balance : {$1500.00} | Date Opened : XX/XX/XXXX | Collection This account is inaccurately listed as a collection. I do not recognize this account and demand its removal. XXXX XXXX XXXX has a history of reporting unverifiable debts, and I request full validation or deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$74.00} | Late Payment This account is reported with a false late payment. I have always paid on time, and no evidence exists that I was ever delinquent. I am requesting immediate correction of the payment history to show all on-time payments. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$2100.00} | Collection I have no account or relationship with this company. This appears to be an unauthorized collection. No validation or contract exists under my name. Please delete this unverified entry from my credit report. 
In addition, I have found several unauthorized or inaccurate hard inquiries that were made without my consent or legitimate application for credit. These inquiries are damaging my credit score and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry I have never authorized these inquiries. I did not apply for credit with these companies, and therefore, they must be removed as unauthorized inquiries under FCRA 604.

Violations and Concerns : Failure to properly investigate disputes within the 30-day period as required by FCRA 611.

Continued reporting of unverifiable and inaccurate information, violating FCRA 623 ( a ) ( 1 ) ( A ).

Reporting duplicate or unauthorized inquiries without my consent, violating FCRA 604. 
Negligent harm to my creditworthiness, emotional well-being, and financial integrity. 
Requested Actions : XXXX. I request the CFPB to launch a full investigation into these credit reporting inaccuracies. 
XXXX. I request that the credit bureaus provide proof of validation for each account listed above or remove the items immediately. 
XXXX. I request all unauthorized inquiries to be deleted from my credit report. 
XXXX. I request confirmation in writing once all inaccurate and unverifiable data have been corrected or deleted. 
These false and negligent reports have caused me severe damage and stress. I have exercised my right to dispute directly with the bureaus, but they have ignored proper reinvestigation procedures. I am now seeking your help to ensure these errors are corrected under federal law. 
Thank you for your attention to this matter. I respectfully request a full review and response confirming the actions taken.

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