Consumer complaint received 2025-12-15 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 complaint regarding inaccurate and unverifiable information being reported on my credit file. Despite my responsibility as a consumer, several accounts and inquiries are being reported without proper verification or permissible purpose. These reporting errors violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which requires accuracy and proper investigation of disputed information. 
XXXX XXXX XXXX, TX XXXX Issue : Wrong Address I have no knowledge of this address and have never lived at or received mail at this location. This address is not associated with me in any capacity. Reporting an address that does not belong to me is inaccurate under the FCRA. Please delete this incorrect address from my credit file immediately. 
XXXX XXXX XXXX, TX XXXX Issue : Wrong Address I do not recognize this address and have no knowledge of it. This address is inaccurately reported and does not relate to my credit history. Please remove this address from my credit file as required by federal law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8.00} Issue : Late Payment The late payment history reported on this account is inaccurate. I did not make any late payments as reported. This account may be reported, but the payment history is incorrect. Under the FCRA, you are required to report accurate information only. I am requesting correction of the inaccurate late payment history on this account. I am not requesting deletion of the account, only correction of the payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment The late payment status being reported is not accurate. My payment history does not reflect late payments as shown on my credit report. This is a reporting error and must be corrected. Please update this account to reflect an accurate payment history in compliance with the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$610.00} Issue : Charge Off I have no knowledge of this account and do not recognize it as mine. I did not authorize this account, nor do I have records supporting ownership of this debt. Reporting an account that I do not recognize violates the requirement to report accurate and verifiable information. Please conduct a full investigation and delete or correct this account accordingly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$230.00} Issue : Charge Off I do not have any knowledge of this account and do not recognize it as belonging to me. This account is being reported without proper verification. If this account can not be fully verified as mine, it must be deleted from my credit report as required by federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Charge Off I have no knowledge of this account and have never entered into an agreement for this debt. This information appears to be inaccurate or associated with me in error. Please investigate and delete or correct this account if it can not be properly verified. 
XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$480.00} Issue : Collection I do not recognize this account and have no knowledge of this alleged debt. This appears to be duplicate or inaccurate reporting of an account that does not belong to me. If this account can not be verified with proper documentation, it must be removed from my credit report. 
XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry I did not authorize this inquiry and did not apply for credit with this company. This inquiry was made without my permission and without a permissible purpose. Please delete this inquiry from my credit file. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry I did not initiate any credit application with this company. This inquiry lacks permissible purpose and must be deleted in accordance with the FCRA. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry This inquiry was not authorized by me. I did not provide consent for my credit to be accessed. Please remove this inquiry from my credit report. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry I did not apply for credit with this company. This inquiry was made without my authorization and should be deleted. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry I did not authorize this inquiry. It is inaccurately reported and must be removed from my credit file. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry I have no knowledge of applying for credit with this company. This inquiry was not authorized and should be deleted. 
XXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : Unauthorized Inquiry This inquiry was made without my permission. Please remove it from my credit report as required by law. 
I am requesting that the CFPB review this matter and require the furnishers and credit reporting agencies to comply with the Fair Credit Reporting Act by deleting or correcting all inaccurate, unverifiable, and unauthorized information listed above. Written confirmation of resolution is requested.

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