Consumer complaint received 2025-09-06 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 formally disputing multiple inaccurate and unverifiable items on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections XXXX, XXXX, XXXX, XXXX, and XXXX. I request a thorough reinvestigation of all listed items, and correction or deletion of any information found to be inaccurate or unverifiable. These items are harming my creditworthiness and misrepresenting my financial history. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is not associated with me. FCRA Section XXXX ( a ) ( XXXX ) ( A ) requires that credit bureaus maintain accurate information. Its inclusion misrepresents my residence history, potentially impacting lenders assessment of my creditworthiness and causing wrongful inquiries and correspondence. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is incorrect. Under FCRA Sections XXXX ( a ) ( XXXX ) and XXXX, CRAs must follow reasonable procedures to ensure accuracy. Reporting this address falsely associates me with a location I have never lived in, affecting my credit evaluations. 
Account : XXXX XXXX XXXX, High Credit : {$580.00}, Date Opened : XX/XX/XXXX, Collection This collection account is not mine and can not be verified. FCRA Section XXXX ( a ) requires that disputed items be verified or removed. Its reporting causes undue damage to my credit profile, creating false impressions of delinquency and financial irresponsibility. 
Account : XXXX XXXX, High Credit : {$310.00}, Date Opened : XX/XX/XXXX, Charge Off This account is inaccurately reported as a charge-off. Under FCRA Sections XXXX ( a ) ( XXXX ) and XXXX ( a ), I am entitled to verification of the debt. Reporting this item incorrectly misrepresents my payment history and negatively impacts my credit score. 
Account : XXXX XXXXXXXX XXXX, Credit Limit : {$4500.00}, Date Opened : XX/XX/XXXX, Charge Off This charge-off is incorrectly reported. FCRA Sections XXXX and XXXX require verification. This inaccurate reporting portrays me as a defaulter and causes unwarranted financial harm, affecting my credit decisions and ability to obtain fair credit. 
Account : XXXX CARD XXXX, High Credit : {$5400.00}, Date Opened : XX/XX/XXXX, Charge Off This account is misreported and unverifiable. Section XXXX ( a ) mandates removal of unverifiable accounts. Its reporting falsely signals delinquency and misleads lenders about my creditworthiness. 
Account : XXXX XXXX XXXX, High Credit : {$3300.00}, Date Opened : XX/XX/XXXX, Charge Off This account is inaccurate and lacks verification. FCRA Sections XXXX ( a ) ( XXXX ) and XXXX require deletion if unverifiable. Its inclusion harms my credit profile and financial credibility. 
Account : XXXX BANK XXXX XXXX, High Credit : {$370.00}, Date Opened : XX/XX/XXXX, Charge Off This charge-off is reported incorrectly. Section XXXX requires accurate reporting and verification. Its presence falsely portrays financial mismanagement and unjustly reduces my credit score. 
Account : XXXX XXXX XXXX XXXXXXXX, High Credit : {$1300.00}, Date Opened : XX/XX/XXXX, Collection This collection account is not mine and unverifiable. FCRA Section XXXX ( a ) requires removal of unverified items. Its reporting misleads lenders and impacts my financial opportunities. 
I request immediate reinvestigation of all disputed items and removal of any unverified, inaccurate, or unverifiable information. The presence of these errors misrepresents my credit history, adversely affecting my financial standing, and I expect all necessary corrections be completed promptly as required under the FCRA.

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