Consumer complaint received 2025-09-13 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 against several creditors, debt collectors, and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit report. These entries are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Despite my repeated disputes with the credit reporting agencies, the following accounts remain improperly reported : Disputed Items Wrong Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX This is not my address and should not be linked to my credit profile. 

Late Payments Reported ( Inaccurate/Unverified ) XXXX XXXX XXXX XXXX XXXX XXXX  High Credit {$60.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit {$590.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Credit {$300.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit {$1500.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit {$1500.00}, Opened XX/XX/XXXX Charge-Offs ( Unverified/Improperly Reported ) XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00}, Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$290.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00}, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00}, Opened XX/XX/XXXX Collections ( Unverified / Potential FDCPA Violations ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$800.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  {$1000.00}, Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XX/XX/XXXX Hard Inquiries ( Unauthorized / Unverified ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Legal Basis of Complaint Under FCRA 602 ( A ) and 611, I have the right to dispute any inaccurate or unverifiable information, and the credit reporting agencies must conduct a reasonable investigation.

Under FCRA 607 ( b ), furnishers are required to report complete and accurate information. Reporting accounts with false addresses, unverifiable late payments, or unauthorized inquiries violates this provision.

Under the FDCPA 807, debt collectors are prohi
bited from using false, deceptive, or misleading representations, including reporting unverifiable collections.

Requested Action I respectfully request that the CFPB : Conduct a full investigation into the above-mentioned accounts.

Compel the credit reporting agencies and furnishers to delete all inaccurate, unverifiable, and improperly reported items from my credit report.

Ensure that furnishers and collectors provide documented proof of ownership and payment history, or otherwise remove these accounts. 

Remove all unauthorized inquiries and incorrect addresses immediately.

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