Consumer complaint received 2025-10-08 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:
To Whom It May Concern I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unverifiable, and unauthorized items reported on my credit report. These items are causing significant harm to my creditworthiness, financial opportunities, and personal reputation. I request immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), 1681s-2, and other applicable federal laws Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have no connection to this property. The reporting of this address creates the false impression that I have ties to this location, affecting my credit decisions and lending opportunities. Misreporting of residence history is a serious violation under FCRA Section 611, and the agency must correct or delete this information without delay XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is completely unrelated to me. Its appearance on my report is misleading and constitutes false reporting. The inclusion of incorrect addresses can lead to identity confusion and improper credit decisions. I demand verification and immediate removal Account Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, High Balance {$1200.00} Reported as Charge Off. I have no knowledge of this account ever being charged off. This entry is causing undue harm to my credit profile, and under FCRA Sections 609 and 611, I am entitled to verification of the account. If verification can not be provided, this account must be deleted. Reporting false charge-offs is a violation of federal law, and continuing to report it may result in legal consequences XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, High Balance {$20000.00} Reported as Late Payment. I have never missed a payment on this account. This inaccurate reporting is affecting my credit score and financial opportunities. Under FCRA Section 623 ( a ) ( 8 ), furnishers are required to report accurate information. I demand immediate correction to accurately reflect my timely payment history. Failure to correct this entry is a violation of federal law and may constitute grounds for legal action XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, High Balance {$600.00} Reported as a Collection. I have no knowledge of this account and have never received any notices or bills from XXXX XXXX  regarding this alleged debt. The reporting of this collection is inaccurate, misleading, and severely damaging to my credit profile. Under FCRA Section 609 and 611, any unverifiable account must be removed immediately. The presence of this erroneous collection is causing undue stress, limiting my financial opportunities, and impacting my personal reputation Hard Inquiries : XXXX XXXXXX/XX/XXXX Unauthorized inquiry. I never applied for credit with this entity. FCRA mandates that only authorized inquiries appear on my report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have not applied for credit or authorized this inquiry. FCRA Section 604 ( a ) requires verification of consent. Immediate deletion is required XXXX XXXX XXXX, XX/XX/XXXX Unauthorized and unverifiable inquiry. I request immediate removal under federal law XXXXXXXX XXXX XXXXXX/XX/XXXX I never authorized this credit pull. Reporting it without consent is a violation of my rights XXXX XXXX, XX/XX/XXXX Unauthorized inquiry. Its presence is inaccurate and harmful. Remove immediately XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry was never authorized. Its inclusion is misleading, damaging, and in violation of FCRA The above collection accounts and inquiries are causing undue harm to my financial and personal life. I demand that each item be thoroughly investigated, corrected, or permanently deleted. I request written confirmation of the actions taken and a corrected copy of my credit report. I reserve all rights to pursue additional remedies under federal and state law if these inaccuracies are not corrected promptly

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