Consumer complaint received 2025-05-31 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, I am writing to formally file a complaint regarding multiple errors, inaccuracies, and potentially unlawful actions reflected on my credit reports maintained by Experian, TransUnion, and Equifax. These issues have caused me significant emotional distress and financial harm, including denial of credit, elevated interest rates, and damaged reputation. 
Section XXXX : Inaccurate Addresses The following addresses are being incorrectly reported and are not associated with me : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect These addresses are false and should be immediately removed under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( b ), which requires that information in consumer reports be accurate. 
Section XXXX : Accounts with Errors or Violations Below are the accounts with issues like late payments, charge-offs, and collections many of which appear to violate the FCRA or FDCPA. 
XXXX. XXXX  # XXXX Late Payments Opened : XX/XX/XXXX | High Credit : {$600.00} Violation : FCRA XXXX Duty of Furnishers to Report Accurate Information XXXX. XXXX XXXX XXXX # XXXX Late Payments Opened : XX/XX/XXXX | High Credit : {$31000.00} Violation : FCRA XXXX XXXX. XXXX XXXX  # XXXX Charge-Off Opened : XX/XX/XXXX Violation : FCRA XXXX ( a ), XXXX ( b ) XXXX. XXXX # XXXX Collection Opened : XX/XX/XXXX Violation : FDCPA XXXX ( false representation ) & FCRA XXXX XXXX. XXXX XXXX XXXX # XXXX Charge-Off & Collection Opened : XX/XX/XXXX | High Credit : {$580.00} Violation : FDCPA & FCRA XXXX XXXX. XXXX XXXX XXXX # XXXX Charge-Off Opened : XX/XX/XXXX | High Credit : {$800.00} Violation : FCRA XXXX ( b ), FDCPA XXXX XXXX. XXXX XXXX # XXXX Collection Original Creditor : XXXX XXXX XXXX Opened : XX/XX/XXXX | High Credit : {$700.00} Violation : FDCPA XXXX, FCRA XXXX XXXX. XXXX XXXXXXXX XXXX  # XXXX Collection Opened : XX/XX/XXXX | High Credit : {$850.00} Violation : FCRA XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Multiple Accounts in Collection ( see # XXXX, # XXXX, etc. ) Violation : FDCPA for duplicative or unverifiable debt, FCRA XXXX XXXX. XXXX XXXX ( XXXX XXXX ) Collection Account # : # XXXX Violation : FCRA XXXX ( a ) ( XXXX ), FDCPA XXXX ( b ) XXXX. XXXX # XXXX Charge-Off Opened : XX/XX/XXXX | XXXX XXXX : {$500.00} Violation : FCRA XXXX XXXX. XXXX XXXX XXXX # XXXX Charge-Off Opened : XX/XX/XXXX | High Credit : {$2600.00} Violation : FCRA XXXX XXXX. XXXX XXXX # XXXX Charge-Off Opened : XX/XX/XXXX | Credit Limit : {$750.00} Violation : FCRA XXXX XXXX. XXXX XXXX # XXXX Charge-Off Opened : XX/XX/XXXX | High Credit : {$330.00} Violation : FCRA XXXX ( a ) XXXX. XXXX # XXXX XXXX Opened : XX/XX/XXXX | High Credit : {$690.00} Violation : FCRA XXXX ( b ) XXXX. TARGET/TD # XXXX Charge-Off Opened : XX/XX/XXXX | Balance : {$600.00} Violation : FCRA XXXX, outdated reporting Section XXXX : Suspicious/Unauthorized Hard Inquiries I have not authorized many of the hard inquiries listed on my report. These include : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX NOWCOM/PICCADELLI AUTO XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX Multiple ( And others as listed in the full report ) These inquiries have negatively impacted my credit score and may violate FCRA XXXX ( a ) ( XXXX ), which limits who can legally access a credit file. 

Summary and Request for Relief These reporting errors and questionable practices are in direct violation of multiple sections of the FCRA and FDCPA. I am requesting that the CFPB : XXXX. Investigate all accounts listed above for accuracy, timeliness, and lawfulness XXXX. Instruct credit reporting agencies to delete unverifiable, outdated, or inaccurate information XXXX. Ensure that all inquiries made without a permissible purpose are removed XXXX. Hold furnishers and debt collectors accountable for any statutory violations These inaccurate entries are harming my ability to obtain housing, employment, and credit, and I respectfully request a thorough investigation and appropriate corrective action.

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