Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint because the credit reporting agenciesExperian, XXXX, and XXXXare reporting false, inaccurate, and unverified information on my credit report despite my previous disputes and requests for validation. These items include unverified collections, charge-offs, false bankruptcy records, and unauthorized inquiries, all of which are severely damaging my credit reputation and violating my rights under the Fair Credit Reporting Act ( FCRA ).

INCORRECT ADDRESSES These addresses listed under my credit report are completely inaccurate and should be deleted immediately. I have no connection, lease, or residence history associated with any of these. The presence of these addresses indicates a possible case of mixed file or identity error, which violates my rights under FCRA 607 ( B ) requiring consumer reporting agencies to maintain the highest standards of accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Wrong Address These addresses are not connected to me, nor have I ever lived at or been associated with them. Continuing to report them creates a false narrative of my identity, which violates FCRA 609 ( A ) ( 1 ). I demand these be deleted from my report immediately.

ACCOUNTS IN DISPUTE Each of the following accounts listed below are being disputed in their entirety. I have no knowledge or recollection of these accounts, and the creditors have failed to provide any documentation validating that I opened, used, or agreed to the terms of these accounts. Until proper validation is provided, these must be deleted as unverified per FCRA 611 ( A ) ( 1 ) ( A ) and FCRA 623 ( A ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I have no recollection of ever opening or using any account with XXXX XXXX XXXX. No documentation has ever been provided to verify my signature, agreement, or transaction history. Reporting unverified data violates my rights under FCRA 609 ( A ) ( 1 ) and 623 ( A ) ( 1 ) ( A ). Please delete this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is inaccurate and unverifiable. I have never held or authorized this account. Failure to remove this unverifiable item constitutes willful noncompliance under FCRA 616 and 617. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I do not recall ever having a charge-off account with XXXX XXXX . No supporting documentation has been sent to verify this debt. Continuing to report unverifiable data is a violation of FCRA 611 ( A ) and 15 U.S.C. 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I have no record of this account and request verification with all original documentation. Reporting this account without proof of liability violates FCRA 609 ( A ) ( 1 ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I am not aware of any such account with XXXX XXXX. I request that you verify the accuracy and provide signed application forms. If not verifiable, it must be deleted under FCRA 611 ( A ) ( 5 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This is another unverified and false listing. XXXX XXXX XXXX has failed to validate this debt with my consent or signature. This must be removed immediately under FCRA 623 ( A ) ( 3 ). 
XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I have no knowledge of this account or any transactions tied to it. If this information can not be verified with original documentation, it must be permanently deleted per FCRA 611 ( A ) and 607 ( B ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I have no recollection or record of this account. No valid proof or original documentation linking me to this account has been provided. Reporting this account without evidence violates FCRA 611 ( A ) ( 1 ) ( A ) and 623 ( A ) ( 1 ) ( A ). I request its immediate deletion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is inaccurate and unverifiable. I never authorized, opened, or used this account. The reporting agency must validate it with signed documentation. If you fail to verify within 30 days, delete it under FCRA 611 ( A ) ( 5 ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account was never opened or authorized by me. I demand full verification with original application and transaction records. Failure to provide this constitutes noncompliance under FCRA 611 ( A ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I have never opened any account with XXXX XXXX XXXX. I request verification with original records. If this can not be verified, delete it immediately under FCRA 611 ( A ) ( 5 ). 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This is another unverified account that I have no knowledge of. If you can not verify with original agreements and signature documents, this must be deleted as required by FCRA 609 ( A ) ( 1 ). 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I have never had any relationship with this creditor. Reporting this account without valid documentation violates FCRA 623 ( A ) ( 3 ). Please remove it immediately. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00} Collection I have no knowledge of any collection account with this company. I was never contacted, billed, or informed of any debt owed. Reporting unverified debt violates FCRA 611 ( A ) and 15 U.S.C. 1681i.

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$110.00} Collection This is another false collection account that I have never been notified about. There is no verification of the debt or proof of my responsibility. Continuing to report this item is a violation of FCRA 623 ( A ) ( 3 ) and 607 ( B ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off I have no record of having any account with XXXX XXXX XXXX. The creditor has failed to provide proof of ownership, signed agreements, or account history. Reporting unverifiable data is a direct violation of FCRA 607 ( B ) and 611 ( A ). Delete immediately. 
BANKRUPTCY ENTRIES IN DISPUTE US BKPT CT XXXX XXXX Reference # XXXX Closing Date XX/XX/XXXX These bankruptcy listings are false and highly damaging to my credit profile. I have never filed for bankruptcy under any court or jurisdiction. No verified public record or docket number has ever been provided by the credit bureaus. Reporting unverifiable court data is a serious violation of FCRA 607 ( B ) and 611 ( A ) ( 1 ) ( A ).

If you can not provide a certified copy of the original public record directly from the U.S. Bankruptcy Court, these entries must be deleted immediately. Continued reporting of this false information may constitute willful noncompliance under FCRA 616.

UNAUTHORIZED HARD INQUIRIES The following inquiries were conducted without my written consent or authorization. Under FCRA 604 ( a ) ( 2 ) and 607, a consumer reporting agency may only furnish a report with my explicit permission or in connection with a legitimate credit transaction initiated by me. These inquiries violate my privacy rights and must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These companies have no permissible purpose under FCRA 604 ( a ) to access my credit file. Please delete each inquiry and confirm that these entities have been notified of the unauthorized access.

REQUEST FOR CFPB INTERVENTION I am requesting that the Consumer Financial Protection Bureau : 1. Conduct a full investigation into Experian, XXXX, and XXXX, and the creditors/furnishers listed above.

2. Require the credit bureaus to delete all unverified, inaccurate, and unauthorized entries from my credit report.

3. Compel the furnisher ( s ) to provide full proof of validation including signed applications, billing statements, and authorization forms.

4. Ensure these entities are held accountable for their violations of FCRA 602 ( A ), 607 ( B ), 609 ( A ), 611 ( A ), and 623 ( A ).

DECLARATION I, declare under penalty of perjury that the above statements are true and correct to the best of my knowledge. I have attached a copy of my government-issued ID and proof of address to verify my identity for the purpose of this complaint.

I respectfully request that the CFPB take immediate action to enforce compliance and protect my rights as a consumer under the Fair Credit Reporting Act.

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