Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate, misleading, or unverifiable information. The items below are either collections or inquiries that are inaccurate, unknown, or unauthorized, and I demand they be corrected or removed immediately. 
Wrong Address Listings : XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX I have never resided here, yet it appears on my credit file. This false information could affect my credit verification and approval for legitimate credit. 
Accounts Disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$470.00} Charge Off * * I have no knowledge of this account, never opened it. Its reporting is fraudulent. Removing it is required to correct my credit record and prevent damage to my credit score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$620.00} Charge Off * * I dispute this charge-off as I have no relationship with this creditor. Its presence on my report is inaccurate and harmful. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$580.00} Collection * * I have no knowledge of this account. Its reporting as a collection is false and damaging. XXXX deletion is requested. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$620.00} Collection * * This collection is unknown to me. Reporting it inaccurately violates FCRA 1681i. Correction or deletion is required. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$580.00} Collection * * I have never been involved with this account. Its presence on my report is misleading and must be removed. 
XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, High Balance : {$1700.00} Collection * * This collection is fraudulent or inaccurate. I demand verification, and if unverifiable, immediate deletion. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Balance : {$470.00} Collection * * Reporting this account is incorrect. I have no knowledge of it. Immediate correction or deletion is required. 
Hard Inquiries Disputed : XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize this inquiry. Under FCRA 1681b, unauthorized inquiries are a violation and must be removed. 
XXXX XXXX XXXX XXXXXX/XX/XXXX I never applied for credit with this entity. The inquiry is invalid. 
XXXX XX/XX/XXXX I did not authorize this. Removal is required. 
I demand that all disputed collections and inquiries be investigated, corrected, or deleted immediately. I request that your investigation include verification with the original creditors and written confirmation of the outcome as required under 15 U.S.C. 1681i ( a ) ( 6 ). 
Failure to comply with FCRA regulations exposes the reporting agencies and creditors to legal liability. I am prepared to escalate this matter if my rights are not fully restored. 
Supporting Documents : Proof of current address Identification documents Credit report screenshots highlighting disputed items I expect a response within 30 days, as mandated under the FCRA. This complaint is submitted for correction, deletion, and verification of all items in question.

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