Consumer complaint received 2025-09-17 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 under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and other applicable consumer protection laws. I am filing this complaint because the following accounts and inquiries are being reported inaccurately, unfairly, and without proper verification. These items are damaging my credit, financial stability, and overall quality of life. I demand a full CFPB investigation and permanent deletion or correction of these accounts and inquiries. 
XXXX XXXX XXXX, TX XXXX Wrong Address This address is completely false and has no association with me, my residency, or my financial history. Under FCRA 604 and 607, credit bureaus are prohibited from reporting addresses that can not be verified as belonging to the consumer. This reporting has harmed my creditworthiness and misrepresented my identity, leading to confusion with lenders. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$150000.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments which are inaccurate, unverifiable, and damaging to my credit profile. I dispute the reporting of any late payments as I have not been properly notified nor provided with any verification or signed contract showing I authorized this account or these alleged delinquencies. Under FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), I have the right to request validation, and if the account can not be validated it must be deleted. Reporting unverified late payments is a violation of my rights and has caused serious injury to my financial reputation, resulting in loan denials and emotional distress. 
XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$250.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments that I dispute as false, unverifiable, and not supported by any contract or billing records. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not report inaccurate information. XXXX has failed to provide verification of the late payments under FCRA 609 ( a ) ( 1 ). These false reports have damaged my creditworthiness, caused denials for credit opportunities, and harmed me financially. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$4100.00} Date Opened : XX/XX/XXXX Charge Off This account is reporting as charged off which is inaccurate, misleading, and harmful. I dispute the validity of the alleged debt and the reporting of a charge-off. Under FCRA 611 ( a ) ( 1 ), once disputed the furnisher must provide verifiable proof or delete the information. XXXX has failed to produce such verification. Reporting a charge-off without proper validation is a violation of my rights under both FCRA and FDCPA. This account must be permanently deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$5700.00} Date Opened : XX/XX/XXXX Late Payment This student loan servicer is reporting late payments inaccurately. I dispute the accuracy and validity of these reports as I have not received proper billing statements or evidence to support the alleged delinquencies. Under FCRA 609 and 623, they are required to report accurately and provide verification. Failure to validate requires deletion. These false late payments are harming my ability to access housing, employment, and fair credit opportunities. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$5700.00} Date Opened : XX/XX/XXXX Late Payment I dispute the reported late payments on this account as they are inaccurate, unverifiable, and misleading. The Department of Education has failed to validate these delinquencies with proper documentation. This reporting violates my rights under FCRA 623 ( a ) ( 1 ) ( B ). If the servicer can not furnish verifiable proof of accuracy, the account must be corrected or permanently deleted. 
Conclusion & Requested Action I am requesting the CFPB to conduct a full investigation into these accounts and inquiries. If the furnishers can not provide verifiable documentation proving accuracy, I demand immediate and permanent deletion from my credit report. Continued reporting of inaccurate or unverifiable information will be considered willful noncompliance under FCRA 616 and 617, making all responsible parties liable for statutory and actual damages.

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