Consumer complaint received 2025-08-15 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 submitting this complaint regarding multiple inaccurate, misleading, and unauthorized entries on my credit report, which have caused significant financial harm, emotional distress, and obstacles in obtaining credit. These entries are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request immediate investigation, correction, or deletion of the disputed items listed below. 
Address Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Issue : Incorrect address reporting. 
Law : FCRA 1681e ( b ). 
XXXX : The erroneous association of this address to my credit history has created false associations with potential debts, leading to questions and denials from financial institutions. Such inaccuracies violate my right to a fair and accurate credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Issue : Wrong address on file. 
Law : FCRA 1681e ( b ). 
XXXX : This address has no relation to my personal or financial history. Its presence on my credit file constitutes a material inaccuracy and undermines the integrity of the reporting process, exposing me to wrongful financial assumptions and possible identity confusion. 
Account Disputes : XXXX XXXX XXXX XXXXXXXX High Balance : {$34000.00} Date Opened : XX/XX/XXXX Issue : Charge Off inaccurately reported. 
Law : FCRA 1681s-2 ( b ). 
Story : Payments were made as scheduled, and the account was never defaulted. The wrongful charge-off reporting misleads creditors and demonstrates failure to comply with federal reporting obligations. 
XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Issue : Charge Off reported incorrectly. 
Law : FCRA 1681s-2 ( b ). 
XXXX : This account was current and in good standing. The erroneous charge-off reporting is damaging my creditworthiness and exposing me to unnecessary financial scrutiny. 
XXXX Account XXXX XXXXXXXX XXXX Issue : Collection reported inaccurately with a high balance of {$5900.00}, opened XX/XX/XXXX. 
Law : FCRA 1681i ( a ) and 1681s-2 ( b ) Story : This account is being reported as a collection without any proof of its legitimacy. I have no record of this debt and was never provided with verification. Its inclusion is causing me to be misjudged for financial credibility, with several lenders denying applications due to this erroneous reporting. It is not only a violation of my rights but is actively harming my financial life and peace of mind. Immediate correction is required. 
XXXX XXXX Account XXXX XXXXXXXX Issue : Collection reported incorrectly, {$380.00}, opened XX/XX/XXXX. 
Law : FDCPA XXXX ; FCRA XXXX ( b ) Story : Despite multiple requests for debt verification, I have received no documentation confirming that I am responsible for this debt. Reporting this collection without validation is misleading, harmful, and in violation of federal law. This account has caused unnecessary financial anxiety, affected my creditworthiness, and hindered my ability to make essential purchases. 
XXXX XXXX XXXX Account # XXXX Issue : Collection reported incorrectly, {$2400.00}, opened XX/XX/XXXX. 
Law : FCRA XXXX ( b ) ; FDCPA XXXX Story : This account is being reported as valid without proper documentation or verification. It has caused me emotional distress, financial instability, and has directly impacted my ability to secure loans for necessary expenses. This reporting is false and misleading, and I demand its immediate removal until legitimate verification can be provided. 
NOWCOM/DISCOUNT AUTO C Inquiry XX/XX/XXXX Issue : Unauthorized hard inquiry. 
XXXX : FCRA XXXX ( a ) ( XXXX ) Story : I never authorized this inquiry, yet it appears on my report, unfairly lowering my XXXX XXXX. Unauthorized inquiries misrepresent my financial behavior to creditors and directly harm my creditworthiness. I demand immediate removal. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
XXXX : FCRA XXXX ( a ) ( XXXX ) Story : I did not consent to this inquiry. Its appearance suggests financial activity that never occurred, misleading potential lenders. Removal is required immediately. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
XXXX : FCRA XXXX ( a ) ( XXXX ) Story : I did not initiate this inquiry. It creates a false impression of my financial activity, potentially influencing lending decisions against me. XXXX correction is required. 
CAPITAL XXXX XXXX XX/XX/XXXX XXXX : Unauthorized inquiry. 
XXXX : FCRA XXXX ( a ) ( XXXX ) XXXX : This inquiry is damaging my XXXX XXXX without my consent. Its presence on my report is misleading and unfair. Removal is demanded. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
XXXX : FCRA XXXX ( a ) ( XXXX ) XXXX : This entry has been made without my consent, impacting my credit evaluation. It must be removed. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
XXXX : FCRA XXXX ( a ) ( XXXX ) Story : I did not provide authorization. Reporting this inquiry is misleading, damaging my XXXX XXXX, and needs immediate correction. 
These inaccuracies have caused tangible harm to my financial life, including denied credit applications, increased interest rates, and emotional distress. I request that the credit reporting agencies conduct a thorough investigation, verify all accounts, and permanently delete any unverified, inaccurate, or unauthorized information. Failure to comply with these laws will result in further formal complaints and potential legal action to enforce my rights under FCRA and FDCPA.

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