Consumer complaint received 2025-11-04 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:
I am submitting this formal complaint regarding multiple creditors and furnishers who are reporting inaccurate, unverifiable, and misleading information on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and are causing severe harm to my creditworthiness. 

Disputed Accounts and Issues : XXXX ( Acct : XXXX ) * * Charge-off {$17000.00} ; unverified. 

XXXX ( Acct : XXXX ) * * Late payment {$33000.00} ; inaccurate. 

XXXX XXXX ( Acct : XXXX ) * * Charge-off {$790.00} ; unverified. 

XXXX XXXX ( Acct : XXXX ) * * Charge-off {$880.00} ; unverified. 

XXXX XXXXXXXX ( Acct : XXXX ) * * Late payment {$410.00} and charge-off {$410.00} ; duplicative and inaccurate. 

XXXX ( Acct : XXXX ) * * Charge-off {$550.00} ; unverified. 

XXXX XXXX XXXX XXXX ( Acct : XXXX ) * Late payment {$980.00} ; inaccurate. 

XXXX ( Acct : XXXX ) * * Charge-off {$18000.00} ; unverified. 

XXXX ( Acct : XXXX ) * * Charge-off {$25000.00} ; unverified. 

XXXXXXXX XXXX XXXX XXXX  ( Acct : XXXX ) * * Late payment {$25000.00} ; inaccurate. 

XXXX ( Acct : XXXX ) * * Charge-off {$25000.00} ; unverified. 

XXXX ( Acct : XXXX ) * * Late payment {$530.00} ; inaccurate. 

XXXX  ( Acct : XXXX ) * * Charge-off {$500.00} ; unverified. 

XXXX XXXX XXXX ( Acct : XXXX ) * * Charge-off {$850.00} ; unverified. 

XXXX ( Acct : XXXX ) * Late payment {$1400.00} ; inaccurate. 

XXXX ( Acct : XXXX ) * * Charge-off {$1500.00} ; unverified. 

XXXX XXXX ( Acct : XXXX ) * * XXXX {$950.00} ; unverified. 

XXXX XXXX ( Acct : XXXX ) * * XXXX {$810.00} ; unverified. 

XXXX XXXX XXXX XXXX ( Acct : XXXX ) * * Collection {$1000.00} ; unverified. 

Incorrect Addresses : XXXX XXXXXXXX XXXX XXXX, TX XXXX Wrongly reported. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Wrongly reported. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inaccuracies, unverified charge-offs, collections, wrong addresses, and unauthorized inquiries are severely damaging my credit profile. 

Legal Violations : FCRA 1681e ( b ) : Furnishers failed to ensure maximum possible accuracy.

FCRA 1681i : Credit bureaus failed to properly investigate and delete disputed items.

FCRA 1681s-2 ( b ) : Furnishers continued reporting inaccurate information after dispute.

Requested Relief : I respectfully request that the CFPB : Conduct a thorough investigation into all listed creditors and furnishers.

Require documented validation of all disputed accounts and inquiries.

Correct or remove all inaccurate, unverifiable, and misreported information from my credit report.

Ensure full compliance with the FCRA and cease further violations of my consumer rights.

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