Consumer complaint received 2025-10-17 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 inaccurate, unverifiable, and misleading items reported on my credit report. These errors are causing serious harm to my creditworthiness and financial reputation. I request immediate investigation, correction, and/or deletion of the disputed items under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address The above address is not associated with me and has been erroneously listed on my credit report. According to FCRA 1681e ( b ), credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of information. Reporting incorrect addresses violates this requirement and creates confusion regarding my identity. I demand removal of this address immediately. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address This address has never been my residence. Its inclusion on my credit report is inaccurate and misleading. I request immediate correction to prevent further harm to my credit profile. 
XXXX XXXX XXXXXXXX XXXX Charge Off Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} XXXX XXXX I have no knowledge of this account. The charge-off reporting is false and unverifiable under FCRA 1681i ( a ). I request that this account be fully investigated and deleted from my credit report. Any unverifiable information must be removed immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} XXXX XXXX  The reporting of late payments on this account is inaccurate. I have consistently maintained timely payments, and the records reflected are incorrect. Under FCRA 1681i ( a ) ( 1 ), I request correction of the payment history to accurately reflect my payment activity. 
XXXX XXXX XXXXXXXX XXXX  Late Payment Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX I dispute the reported late payments on this account. I have not missed or delayed payments as indicated. I demand immediate correction of this false reporting. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX I dispute the reported late payment. I have always maintained timely payments. FCRA 1681i requires credit reporting agencies to investigate disputed information and correct or delete any unverifiable or inaccurate reporting. I demand correction of this account history. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX  The late payment status is inaccurate. I have never missed a payment as reported. I request immediate investigation and correction. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XXXX This reporting is false. Under FCRA 1681i ( a ), unverifiable information must be promptly deleted or corrected. I demand accurate reporting of my payment history. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7700.00} XXXX XXXX XXXX XXXX  I have consistently made timely payments. Reporting this as late violates FCRA 1681e ( b ), which mandates maximum possible accuracy. I demand correction of this inaccuracy. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX The reported late payment is false. I request immediate correction to reflect my accurate payment record. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX XXXX This late payment is inaccurate. I have never been delinquent. FCRA 1681i ( a ) ( 1 ) ( A ) requires correction of false reporting. I demand investigation and update. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX The late payment listing is false. I request correction and immediate update of my credit report. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX XXXX I dispute this account as inaccurately reported. I have not missed any payment. I demand correction in accordance with FCRA 1681i ( a ) ( 5 ). 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX This late payment is false. I have always made timely payments. FCRA 1681i ( a ) requires investigation and correction of disputed information. I demand immediate correction of this account history. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX  The reported late payment is inaccurate. I request a full investigation and correction under FCRA 1681i ( a ) ( 1 ). 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX This is a duplicate reporting error. I have never missed payments. FCRA 1681e ( b ) requires maximum possible accuracy, and I demand correction. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX  The reporting of late payment is false. I request immediate investigation and correction. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX  This account is inaccurately reported. I have never been delinquent. FCRA 1681i ( a ) ( 5 ) mandates deletion of unverifiable or incorrect information. I demand update. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXX This late payment is falsely reported. I have maintained timely payments. Immediate correction is required as per FCRA law. 
XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  The late payment status is inaccurate. I have no delinquency on this account. Under FCRA 1681i, I request a full investigation and correction of this erroneous information. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX This late payment is inaccurate. I have consistently made timely payments. FCRA 1681i ( a ) requires investigation and correction of disputed information. I demand immediate correction of this account history. 
XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX The reporting of late payment is false. I have never missed payments. Under FCRA 1681e ( b ), maximum possible accuracy must be maintained. I request correction. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$30000.00} XXXX XXXX XXXX XXXX  The late payment status is incorrect. I demand immediate investigation and correction according to FCRA 1681i ( a ) ( 1 ). 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX  This reporting is inaccurate. I have maintained timely payments. I request correction and updated account history. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX I dispute the reported late payment. I have no delinquency on this account. Immediate investigation and correction are required under FCRA 1681i. 
XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX  This late payment is falsely reported. I request correction to reflect accurate payment history. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX  The reporting is incorrect. I have not missed any payments. FCRA 1681i ( a ) ( 5 ) requires correction of unverifiable or inaccurate reporting. 
XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX  I have no knowledge of this account. This collection reporting is false and unverifiable. Under FCRA 1681i, I request immediate investigation and deletion of this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX reference on my report is inaccurate or misreported. I request verification and correction or deletion as required under FCRA 1681i ( a ) ( 1 ).

Impact Statement : These inaccuracies are causing severe financial harm, preventing me from obtaining credit, and affecting my livelihood. I am being unjustly penalized for accounts I have never been delinquent on and for unverifiable collection items.

Relief Requested : 1. Immediate investigation and correction of all inaccurate late payments. 
2. Deletion of unverifiable collection account ( XXXX XXXXXXXX XXXX  ). 
3. Correction or removal of inaccurate bankruptcy reporting.

4. Written confirmation of all corrections and an updated credit report. 
I trust the CFPB will take prompt action to enforce FCRA protections and ensure my credit report reflects accurate and verifiable information.

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