Consumer complaint received 2025-11-11 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: MS

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against the major credit reporting agenciesExperian, Equifax, and XXXXfor allowing the continued reporting of unauthorized credit inquiries and an unverified collection account on my credit report. Despite my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), these bureaus have failed to properly verify or remove the following inaccurate items, which are causing serious harm to my credit profile, emotional distress, and financial loss. 
Wrong Addresses Reported : XXXX XXXX XXXX, XXXX, AL XXXX This address is completely incorrect and should be permanently deleted from my report. 
XXXX XXXX Ct XXXX XXXX XXXX, XXXX, AL XXXX This address is also inaccurate and must be removed as it is falsely linked to my profile. 
Account Disputes : XXXX  ( Acct : XXXX ) * * Reported as a Charge Off with a High Balance of {$370.00} ( Opened XX/XX/XXXX ). I have no knowledge or recollection of ever opening or maintaining any account with this creditor. Under FCRA 602 ( A ) and Section 611, I request you verify this account with full documentation, original application, and payment history. If such proof can not be produced, it must be permanently deleted from my file. 
XXXX XXXX ( Acct : XXXX ) * * Reported as XXXX XXXX with {$300.00} ( Opened XX/XX/XXXX ). I dispute this account in its entirety. I have never authorized or owned any account under this name. Please remove immediately unless verified with valid original documents as required by FCRA Section XXXX ( a ) ( XXXX ) ( A ). 
XXXX ( Acct : XXXX ) * * Reported as XXXX XXXX ( Opened XX/XX/XXXX ). This is incorrect information. I have never made any late payments on this account. Please reinvestigate and update to reflect timely payments, or remove if you can not verify with valid records. 
XXXX XXXX ( Acct : XXXX ) * * Reported as XXXX XXXX with {$3300.00} ( Opened XX/XX/XXXX ). I have no knowledge of this account, and no contractual relationship exists between me and this creditor. I request immediate deletion unless proven valid with full original documentation. 
XXXX ( Acct : XXXX ) * * Reported as XXXX XXXX with {$19000.00} ( Opened XX/XX/XXXX ). I dispute the late payment notation. Payments were made on time, and this inaccurate reporting is harming my credit. Under FCRA XXXX, please verify and correct. 
XXXX XXXX ( Acct : XXXX ) * * Reported as XXXX XXXX with {$21000.00} ( Opened XX/XX/XXXX ). This account was never paid late. I request a reinvestigation and correction to accurately reflect an on-time payment history. 
XXXX XXXX ( Acct : XXXX ) * * Reported as XXXX with {$800.00} ( Opened XX/XX/XXXX ). I have no knowledge of this account, have never received any validation, and have never been notified. Under FDCPA Section 809 ( b ), the debt collector must validate before any reporting. This must be deleted immediately if unverified. 
XXXX ( Acct : XXXX ) * * Reported as a XXXX with a XXXX XXXX of {$1800.00} ( Opened XX/XX/XXXX ). I have no knowledge or recollection of ever owing or conducting business with this company. I never received any written validation or original agreement proving my consent or responsibility for this alleged debt. Under FCRA 611 ( a ) and FDCPA 809 ( b ), please provide full validation including original creditor name, signed agreement, and complete payment record. If you can not provide this, you are required to delete the account immediately from all credit bureaus.

Unauthorized and Unverified Inquiries : The following inquiries were made without my authorization or permissible purpose under FCRA 604 ( a ) ( 3 ). I have never applied for credit or consented to any of the listed companies pulling my credit report on the given dates. Each of these inquiries must be immediately removed unless you can provide written proof of my consent or application. 
XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Unauthorized inquiry ; I did not apply for any credit or financing through this company. 
XXXX XXXX XXXX ( XX/XX/XXXX ) I did not apply for credit with XXXX ; remove if unverifiable. 
XXXX XXXX ( XX/XX/XXXX ) No consent or application was ever given to XXXX XXXX. 
XXXX XXXX XXXX ( XX/XX/XXXX ) No record or consent for this inquiry ; remove if unverifiable. 
XXXX XXXX XXXX XX/XX/XXXX ) Unauthorized and not initiated by me ; remove immediately. 
XXXX XXXX XXXX ( XX/XX/XXXX ) Inquiry not authorized or consented to ; delete immediately. 

Violations and XXXX XXXX : XXXX. Failure to maintain accurate and verifiable reporting FCRA XXXX ( b ). 
XXXX. Failure to reinvestigate disputed information FCRA 611 ( a ).

3. Failure to provide permissible purpose documentation for inquiries FCRA 604 ( a ) ( 3 ).

4. Continued reporting of unverifiable debt without proper validation FDCPA 809 ( b ).

These repeated violations have lowered my credit score, caused emotional distress, and negatively impacted my ability to obtain housing and credit. 
Requested Relief : Permanent deletion of the XXXX collection account from all three credit bureaus.

Immediate removal of all unauthorized hard inquiries listed above.

Written confirmation of the investigation results.

Implementation of stronger identity verification and reporting accuracy measures to prevent further damage.

Conclusion : I am respectfully requesting that the CFPB hold these credit bureaus and furnishers accountable for failing to comply with federal law and for reporting unverifiable and unauthorized information. Please review this complaint, investigate these violations, and ensure that my credit report is corrected immediately.

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