Consumer complaint received 2025-10-15 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:
I am submitting this complaint to formally dispute multiple inaccurate, unverifiable, and unauthorized accounts and reporting items appearing on my credit report. I have no knowledge, authorization, or relationship with these accounts, and the reported late payments, charge-offs, collections, or inquiries are false. Continued reporting of this information constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 604, 609, 611, and 623. Immediate reinvestigation, correction, or deletion is required. 
Wrong Addresses : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Accounts in Dispute : XXXX XXXX XXXX XXXX  High Balance XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account, never opened or authorized it, and the reported charge-off is inaccurate. Reporting such information violates FCRA 623 ( a ) ( 1 ) ( A ) and 1681i ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off This account is not mine. I never authorized any loan or financial activity. Its inclusion is a violation of FCRA 611 and constitutes reckless reporting. 

XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off I have no relationship with this account. This inaccurate reporting is misleading and harmful, violating FCRA 609, 611. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off Duplicate and unauthorized reporting. I demand deletion as I never engaged with this account. 

XXXX XXXXXXXX XXXX XXXX  High Balance : {$820.00} Date Opened : XX/XX/XXXX Late Payment The reported late payment is false. I have always paid on time. This is a misrepresentation under FCRA 611 ( a ) ( 1 ) ( A ) and must be corrected immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off I do not recognize this account. Any negative reporting is inaccurate and violates FCRA 609, 611. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$17000.00} Date Opened : XX/XX/XXXX Charge Off I have never authorized or incurred this debt. Reporting it constitutes a serious violation of my rights under FCRA 623. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$96.00} Date Opened : XX/XX/XXXX Charge Off I have never received services, authorized this account, or made any payment arrangement. Reporting a charge-off is inaccurate and violates FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). 

XXXX XXXXXXXX XXXX XXXX High Balance : {$20000.00} Date Opened : XX/XX/XXXX Late Payment I have always made timely payments. Reporting a late payment is false and misleading under FCRA 611 ( a ). Immediate correction of payment history is required. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$700.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this account and never authorized any debt or transaction. This is a clear violation of FCRA 609 and 611. I demand deletion. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX Collection This account is not mine. I have no relationship with this entity. Reporting this harms my credit and violates FCRA 611, 623. Immediate removal is required. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Unauthorized inquiry. I never applied or authorized this. Immediate correction required under FCRA 604. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was not authorized by me and violates FCRA 604. Removal is demanded. 
These items have caused, and continue to cause, substantial harm to my creditworthiness, reputation, and financial stability. Continued reporting of unverifiable or false information constitutes willful noncompliance and reckless disregard of the FCRA. 
I demand : 1. Full investigation of each disputed item within the legally mandated 30-day period.

2. Immediate correction or permanent deletion of all inaccurate information.

3. Written confirmation of the results of your investigation and corrective actions.

This letter serves as my formal dispute and complaint under the FCRA, 15 U.S.C. 1681 et seq. Failure to comply will leave me no option but to escalate this matter legally and seek all remedies available under federal law.

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