Consumer complaint received 2025-09-30 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 complaint regarding multiple inaccurate, unverifiable, and misleading items being reported on my consumer credit file by various furnishers and credit reporting agencies. These errors are negatively impacting my credit profile, causing me financial harm, and must be corrected under the Fair Credit Reporting Act ( FCRA ), Section XXXX and XXXX, and the Fair Debt Collection Practices Act ( FDCPA ). 

Inaccurate Personal Information Reported ( Wrong Addresses ) The following addresses are not mine and must be deleted as they are inaccurate identifiers that misassociate me with records that do not belong to me : XXXX XXXX XXXX, TX XXXX ( Wrong Address ) XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Wrong Address ) Accounts with Inaccurate/Unverified Reporting The following accounts are reporting late payments, charge offs, or collections that are inaccurate, unverifiable, or incomplete : XXXX/XXXX XXXXXXXX XXXX Late Payment | High Balance : {$470.00} | Opened : XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX Late Payment | High Balance : {$600.00} | Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX Charge Off | High Balance : {$1200.00} | Opened : XX/XX/XXXX XXXX  XXXX XXXX Charge Off | High Balance : {$820.00} | Opened : XX/XX/XXXX XXXX BANK XXXXXXXX XXXX Charge Off | High Balance : {$790.00} | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Charge Off | High Balance : {$0.00} | Opened : XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX Late Payment | High Balance : {$710.00} | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Charge Off XXXX High Balance : {$0.00} | Opened : XX/XX/XXXX XXXX  XXXXXXXX XXXX Charge Off | High Balance : {$250.00} | Opened : XX/XX/XXXX XXXX  XXXX XXXX Charge Off | High Balance : {$520.00} | Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX Charge Off | High Balance : {$480.00} | Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX Collection | High Balance : {$1600.00} | Opened : XX/XX/XXXX Basis of Complaint Many of these accounts contain inaccurate balance information, incorrect payment history, and unverifiable reporting. 

Certain accounts reflect {$0.00} high balances with charge off status, which is logically inconsistent and inaccurate. 

Some accounts are being reported as late or charged off even after alleged closure, which is misleading and in violation of FCRA accuracy requirements. 

The presence of wrong addresses strongly suggests commingling of files or erroneous reporting. 

The collection account listed under XXXX XXXX XXXX appears suspicious and unverifiable, and I demand strict validation under FDCPA Section XXXX ( b ). 

Requested Resolution I respectfully request the CFPB to investigate these inaccuracies and require the credit reporting agencies and furnishers to : Delete all wrong addresses from my credit file. 

Conduct a full investigation and provide proper verification of the accounts listed above. 

Remove or correct all unverifiable, inaccurate, or incomplete entries in compliance with FCRA and FDCPA. 

Provide me with a written response outlining the results of the investigation and the actions taken. 

Failure to comply with these obligations will constitute willful noncompliance with the FCRA and FDCPA, for which I reserve the right to pursue further remedies.

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