Consumer complaint received 2025-11-10 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, this is a formal complaint being filed regarding multiple violations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full investigation and immediate correction of the following inaccurate and unauthorized items that continue to appear on my consumer credit profile despite prior disputes and notices. These items are directly harming my creditworthiness and violating my rights under federal law. 

ADDRESSES XXXX XXXXXXXX XXXX  XXXX, TX XXXX This address continues to appear on my credit report, yet it is not tied to any active or verified account in my name. Reporting a non-residential address violates FCRA 607 ( b ) which mandates the maintenance of only accurate and verifiable data. You have failed to provide any documentation proving a connection between me and this address. It must be permanently deleted immediately for noncompliance. 

XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX This address is not my residence and has never been associated with any verified credit obligation or account. Continuing to report this false address after my previous dispute constitutes willful negligence under FCRA 611 ( a ) ( 5 ). You are required by law to remove all unverified personal identifiers that could cause confusion or misrepresentation of my credit history. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Charge Off This account remains listed as a charge-off, but no verified documentation or original signed agreement has been provided to confirm liability. Reporting this unverifiable account violates FCRA 611 ( a ) ( 1 ) and 623 ( a ) ( 1 ) ( A ). The inconsistent balance updates and charge-off reporting without substantiated proof are unfair and misleading under federal law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$970.00} Date Opened : XX/XX/XXXX Late Payment The late payment history listed here conflicts with the payment records and correspondence I previously provided. Reporting inaccurate payment data after prior dispute demonstrates a failure to maintain maximum possible accuracy in violation of FCRA 607 ( b ). Please reinvestigate and remove this unverifiable derogatory reporting immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$260.00} Date Opened : XX/XX/XXXX Charge Off This accounts reporting continues to show inconsistent charge-off dates and balance figures. Under FCRA 609 ( a ) ( 1 ), I have the right to receive verification of all information reported, including the original agreement and account history. Since none has been provided, this data remains unverified and must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Late Payment The reporting history on this account displays multiple late payments during a period of reported on-time activity. This directly violates the accuracy standards under FCRA 607 ( b ) and should be corrected or removed immediately if verification can not be substantiated. 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Charge Off This accounts charge-off balance and date are inconsistent with records provided by the original lender. Continued reporting without valid documentation violates FDCPA 809 ( b ) and FCRA 611 ( a ) ( 1 ). I demand full deletion due to lack of verified evidence. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Charge Off The details of this account remain unverifiable. You have failed to provide original charge-off documentation or payment proof. Reporting unverifiable financial data breaches FCRA 607 ( b ) and 611 ( a ) ( 5 ). This entry must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$560.00} Date Opened : XX/XX/XXXX Collection This collection has never been validated by the original creditor. Reporting this alleged debt without proof of ownership or assignment violates FDCPA 807 ( 8 ) and 809 ( b ). This collection must be deleted from my report for noncompliance. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00} Collection This account lacks verification of the original creditor or proof of any obligation. Reporting a debt without verification breaches FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ). Delete this unverifiable account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$990.00} Collection The creditor has failed to provide validation of the debt or proof of assignment. Continuing to report this account violates FCRA 611 ( a ) ( 1 ) and FDCPA 809 ( b ). This collection is inaccurate and must be deleted. 

INQUIRIES XXXX XXXXXX/XX/XXXX This inquiry was conducted without my authorization or a permissible purpose under FCRA 604 ( a ). You are required to remove it immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX No consent or application was made authorizing this inquiry. Continued presence violates FCRA 604 ( a ) ( XXXX ) ( A ). 

XXXX XXXX XXXXXX/XX/XXXX This company performed an unauthorized hard pull, which is unlawful under FCRA 604 ( a ). This must be deleted. 

XXXX XXXX XXXX XX/XX/XXXX No signed authorization or application exists for this access. This is a violation of FCRA 604 ( a ) ( 3 ) and 615 ( b ). 

XXXX XXXX XXXX XXXXXX/XX/XXXX This unauthorized inquiry was performed without a permissible purpose and must be removed under FCRA 604 ( a ). 

XXXX XXXX XXXX XX/XX/XXXX This dealership performed a hard inquiry without a completed credit transaction, violating FCRA 604 ( a ). 

XXXX XXXX XXXXXX/XX/XXXX Unauthorized access of my credit file is a direct violation of FCRA 604 ( a ). Delete immediately. 

XXXX XXXX XXXXXX/XX/XXXX This inquiry was made without consent or permissible purpose, violating FCRA 604 ( a ) ( 3 ). 

XXXX XXXX XXXX XX/XX/XXXX No authorization exists for this credit access. Reporting this inquiry violates FCRA 604 ( a ) and 615 ( b ). 

XXXX XXXX XX/XX/XXXX This inquiry was performed without my consent or permissible purpose under FCRA 604 ( a ). Remove it immediately.

The continued presence of these inaccurate items represents systemic negligence by the reporting agencies and furnishers. I have fulfilled my duty as a consumer by notifying them of these issues, yet they continue to fail in maintaining the required accuracy and integrity of my credit information. I am requesting that the Consumer Financial Protection Bureau conduct a full investigation into these matters, ensure compliance with federal law, and hold the parties accountable for their violations.

I request the immediate removal of the wrong address, deletion or correction of the inaccurate account, and the permanent removal of the unauthorized inquiry from my credit report.

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