Consumer complaint received 2025-06-05 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:
To Whom It May Concern, I am filing this formal complaint due to multiple serious inaccuracies and reporting violations that are currently being reflected on my credit reports in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ). I am requesting immediate investigation and correction/removal of the following inaccurate and unfairly reported accounts and information : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Issue : Late Payment Reported Opened : XX/XX/XXXX | High Balance : {$240000.00} This account is inaccurately reporting late payments. I request validation of the debt and payment history under XXXX XXXX XXXX XXXX ( a ) and deletion if the information can not be verified with accurate documentation. 
XXXX. XXXX ( Account # : XXXX ) * Issue : Charged Off Opened : XX/XX/XXXX | High Balance : {$1300.00} This charge-off appears outdated or incorrect. According to XXXX XXXX XXXX XXXX ( a ) ( XXXX ), charge-offs must not be reported for more than 7 years. I request documentation proving the debt is still reportable and accurate. 
XXXX. XXXX ( Account # : XXXX ) Issue : Charged Off Opened : XX/XX/XXXX | High Balance : {$130.00} This charge-off XXXX be in error or improperly validated. As per XXXX XXXX XXXX XXXX ( a ), I request a reinvestigation and proper validation of this account or its removal. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Late Payments Opened : XX/XX/XXXX | High Balance : {$16000.00} This account is showing late payments that I dispute. I request complete payment history documentation under XXXX XXXX XXXX XXXX ( b ) or immediate correction/deletion. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charged Off Opened : XX/XX/XXXX | High Balance : {$1000.00} This charge-off XXXX be inaccurately reported. Please provide verification or remove under FCRA XXXX XXXX. 
XXXX. XXXX ( Account # : XXXX * ) * * Issue : Collection Opened : XX/XX/XXXX | High Balance : {$660.00} I do not recognize this account. Under XXXX XXXX XXXX XXXX, any access to my credit file must be lawful. If this debt can not be validated, it must be removed immediately. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Collection Opened : XX/XX/XXXX | High Balance : {$690.00} This collection entry is disputed. I request documentation of the original creditor, validation of debt, and legal authority to collect per XXXX XXXX Code XXXX and FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Issue : Collection Opened : XX/XX/XXXX | High Balance : {$1000.00} XXXX dispute the legitimacy of this debt and request removal unless full validation is provided under FCRA XXXX XXXX and FDCPA XXXX XXXX. 
Inaccurate Personal Information - Wrong Addresses I am also requesting the removal of the following addresses which are incorrectly associated with my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are not associated with me and appear to be identity-matching errors, in violation of FCRA 605 ( b ) and FCRA 609 ( c ). They should be removed immediately to avoid fraudulent associations and incorrect reporting.

Requested Actions : 1. Conduct a full reinvestigation of each of the accounts listed above.

2. Delete or correct any information that can not be verified with valid documentation.

3. Remove all incorrect addresses from my credit profile.

4. Provide me with written results of the investigation and copies of the documents relied upon.

If this matter is not resolved, I am prepared to escalate with a complaint to the FTC and consider legal action for willful noncompliance under 15 U.S. Code 1681n.

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