Consumer complaint received 2025-09-08 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:
This is a formal complaint filed under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681c ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). I am demanding immediate investigation, correction, and removal of all inaccurate, outdated, and unverifiable account information listed below. The continued reporting of these accounts constitutes willful non-compliance, negligence, and violation of my consumer rights. 
Wrong Address Issues ( Identity/Reporting Errors ) : XXXX XXXX XXXX XXXX, TX XXXX XXXX Address. I have never lived, worked, or been associated with this location. Reporting this address falsely attaches me to an identity I do not recognize. This has created confusion during applications where my identity verification has failed because creditors see addresses that do not belong to me. This also raises serious concerns about potential mixed files or identity theft, and the credit bureaus are legally required under FCRA 607 ( b ) to ensure maximum possible accuracy, which has not been followed here. 
XXXX XXXX XXXX, TX XXXX Wrong Address. I never resided at this property. The inclusion of this address on my credit report has damaged my credibility with lenders who question my residency history. It also puts me at risk for fraud, since another persons financial activity may be tied to this wrong address. Continuing to report this information despite my disputes shows negligence and noncompliance with FCRA 611 regarding reinvestigations. 
Account Issues : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Reported with Late Payments. This account has been reported with errors that were never validated. The negative history makes it appear that I am an irresponsible borrower, which is untrue. This has directly affected my ability to secure rental housing and lines of credit. The failure to investigate properly is a violation of FCRA 602 ( A ), which requires consumer reports to be fair and accurate. 
XXXX XXXX XXXX * * High Balance : {$490.00} Date Opened : XX/XX/XXXX Reported with Late Payments. These late payments are false and unverified. XXXX XXXX has failed to provide any original account records. This is lowering my credit score unfairly and causing ongoing financial harm. The reporting is not in compliance with FCRA 607 ( b ) which requires maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$690.00} Date Opened : XX/XX/XXXX Reported with Late Payments. This account reporting is inaccurate and misleading. I never received proper notices or billing statements to substantiate the claim of late payments. The effect of this negative reporting is significant, as it falsely portrays me as financially irresponsible, damaging my reputation with future creditors. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$100.00} Date Opened : XX/XX/XXXX Reported with Late Payments. The account balance itself is extremely low, yet the late payment reporting is causing disproportionate harm to my creditworthiness. This error affects my ability to obtain even basic credit opportunities. It is unacceptable that such an unverified and trivial account can damage my entire credit file. This violates FCRA 611 which mandates proper reinvestigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$340.00} Date Opened : XX/XX/XXXX Reported with Late Payments. This account is inaccurately damaging my profile, lowering my score, and preventing me from obtaining fair financing. XXXX has not provided any validation documents. This false negative history is a violation of my rights under FCRA 609 and also reflects unfair reporting practices prohibited by the FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$470.00} Date Opened : XX/XX/XXXX Reported as Charge Off. This account is outdated, unverifiable, and inaccurate. The continued reporting of a charge off without proof of original signed documentation violates FCRA 605 ( a ) which prohibits obsolete information. This false reporting portrays me as high risk and has directly harmed my credit opportunities, causing repeated denials. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$34000.00} Date Opened : XX/XX/XXXX Reported as Charge Off. This is a substantial account that I dispute entirely. No verified documentation, account statements, or original contracts have been provided. The negative reporting has directly caused multiple loan denials, created obstacles in housing applications, and falsely portrays me as financially irresponsible. This constitutes negligent reporting under FCRA 607 ( b ) and unfair credit practices prohibited by federal law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Reported as Charge Off. I have not received proper account validation or proof of default. Reporting such a high balance as Charge Off without verification severely impacts my creditworthiness and financial reputation. This is a violation of FCRA 611 regarding reinvestigation of disputed accounts, and 609 ( a ) ( 1 ) which requires furnishers to provide proper verification upon dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Reported with Late Payments. These late payments are inaccurate, unverified, and damaging to my credit profile. The account reporting makes it appear that I am chronically delinquent, which is false. This misreporting has affected my ability to obtain new credit lines, increased interest rates on existing accounts, and caused unnecessary stress. This violates FCRA 607 ( b ) ensuring maximum accuracy in reporting. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Reported with Late Payments. I dispute these late payments entirely. No proper account history or validation has been provided. The reporting of these outdated delinquencies harms my credit score decades later, which is unfair, misleading, and in violation of FCRA 605 ( a ) prohibiting obsolete reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Reported with Late Payments. This account is decades old and unverifiable, yet it continues to negatively impact my credit profile. Reporting such stale and inaccurate information is unlawful under FCRA 605 ( a ) and constitutes willful negligence. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} Date Opened : XX/XX/XXXX Reported with Late Payments. These entries are outdated and inaccurate. Continuing to report these late payments misrepresents my financial behavior and has caused repeated denials and higher interest rates on legitimate credit applications. This violates FCRA 611 and demonstrates a failure by the furnisher to maintain accurate records. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$500.00} Date Opened : XX/XX/XXXX Reported with Late Payments. The reporting is outdated, unverifiable, and damaging. It creates a false impression of chronic delinquency. This violates FCRA 607 ( b ) and 609 ( a ) ( 1 ) regarding verification and consumer rights to accurate reporting. 
XXXX XXXXXXXXXXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Reported with Late Payments. This account reporting is unverified and inaccurate, creating long-term harm to my financial reputation. The negative impact includes higher insurance rates, mortgage denials, and emotional distress. Reporting such outdated accounts violates FCRA 605 ( a ) and constitutes negligent reporting. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute the validity of this account. No verification or original account documentation has been provided. Reporting this collection falsely portrays me as delinquent and directly harms my creditworthiness. This violates FCRA 623 ( a ) ( 1 ) ( A ) prohibiting furnishers from reporting information known to be inaccurate and FCRA 607 ( b ) which requires maximum accuracy. The effect includes loan denials, higher interest rates, and emotional distress. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$2400.00} Date Opened : XX/XX/XXXX Reported as Collection. This account reporting is inaccurate and unverifiable. No account-level documentation has been provided. The negative reporting falsely suggests financial irresponsibility, affecting my ability to obtain mortgages and auto financing. This is a violation of FCRA 609 ( a ) ( 1 ) and 611 requiring reinvestigation of disputed accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$300.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute this collection as inaccurate and unverified. Reporting such small, unverifiable collections misrepresents my credit history and causes undue damage. This constitutes negligent reporting under FCRA 607 ( b ) and unfair credit reporting practices. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute this account entirely. No supporting documentation has been provided, yet it damages my credit history, falsely portraying me as a high-risk borrower. This violates FCRA 607 ( b ) and 623. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$13000.00} Date Opened : XX/XX/XXXX Reported as XXXX. This appears to be a duplicate or misreporting of the previous XXXX account. XXXX duplicates is misleading, inflates debt, and unfairly lowers my credit score. This constitutes a violation of FCRA XXXX regarding accuracy and reinvestigation. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$710.00} Date Opened : XX/XX/XXXX Reported as XXXX. I dispute the validity of this account. No verification or original documentation has been provided. Reporting this collection falsely portrays me as delinquent and directly harms my creditworthiness. The impact includes loan denials, higher interest rates, and emotional distress. This violates FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) which require maximum possible accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : {$1100.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute this account as inaccurate and unverified. Reporting this collection misrepresents my financial history, causing denials for credit opportunities and increased borrowing costs. Such reporting is unlawful under FCRA 611 regarding reinvestigation of disputed accounts. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$3600.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute this account entirely. No proper validation, billing statements, or signed documentation has been provided. The negative reporting is harming my credit score and creating financial stress. This violates FCRA 609 ( a ) ( 1 ) and 607 ( b ) regarding accuracy and verification. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$1000.00} Date Opened : XX/XX/XXXX Reported as Collection. This appears to be a duplicate of the previous XXXX account, inflating my liabilities unfairly. Duplicate reporting misleads lenders, reduces credit opportunities, and is prohibited under FCRA XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$520.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute this account as inaccurate and unverified. The reporting damages my credit profile, reduces my access to fair credit, and causes undue financial stress. This constitutes negligent reporting under FCRA 607 ( b ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1500.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute this account as inaccurate and unverifiable. No proper documentation has been provided. The reporting misrepresents my financial reliability, violates FCRA 611, and creates tangible harm by affecting loan approvals and interest rates. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$890.00} Date Opened : XX/XX/XXXX Reported as Collection. This account is unverified and damaging. Reporting of this account has created financial and emotional stress, misrepresented my payment history, and violated FCRA 607 ( b ) requiring maximum accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$370.00} Date Opened : XX/XX/XXXX Reported as Collection. I dispute this account as inaccurate and unverified. No proper documentation or validation has been provided. Reporting this collection misrepresents my financial reliability, causes loan denials, higher interest rates, and undue stress. This violates FCRA 607 ( b ) and 611 regarding maximum accuracy and reinvestigation of disputed accounts.

Story/Background : All the accounts listed above are inaccurately damaging my credit standing. Many accounts are duplicates, outdated, unverified, or entirely unknown to me. These false or misleading reports have caused repeated denials for credit cards, mortgages, auto loans, and other financial services. The negative reporting creates a false impression that I am financially irresponsible, which is untrue. The impact includes financial harm in terms of higher interest rates, denied loans, and emotional stress. The credit reporting agencies and furnishers have failed to maintain accurate, fair, and verifiable records, violating federal law.

Demand for Resolution : I demand that the CFPB take immediate action to : 1. Investigate all the above accounts and enforce deletion of any inaccurate, unverifiable, or duplicate entries.

2. Ensure permanent removal of any accounts that can not be fully validated.

3. Require furnishers to comply with FCRA 611, 609, 607, and 623, guaranteeing maximum possible accuracy. Failure to comply will result in pursuing legal remedies under FCRA 616 ( civil liability for willful noncompliance ) and
617 ( civil liability for negligent noncompliance ).

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