Consumer complaint received 2025-11-07 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 under my rights granted by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). My credit report contains serious inaccuracies that have caused confusion, harm, and misrepresentation of my credit profile. Despite previous disputes, the errors remain unresolved. I am demanding a full reinvestigation and immediate correction of these violations that directly infringe upon my consumer rights under federal law. 

XXXX XXXX XXXX XXXX, SC XXXX ( XX/XX/XXXX ) Wrong address never linked to me and must be deleted. Reporting false identity information violates 1681e ( b ) and 1681c ( a ) ( 4 ). This continued inaccuracy damages my profile and demonstrates negligent data handling. I demand full deletion within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX  This charge-off is unverified and falsely reported. Reporting XXXX balance with derogatory notation violates 1681i and 1681s-2 ( b ). No signed contract or original proof has been provided by the furnisher. Delete this unverifiable account immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} Date Opened : XX/XX/XXXXXXXX  This account remains unvalidated and inaccurate. Reporting a charge-off without proof of ownership violates 1681e ( b ). This furnisher failed to show any documentation linking me to this debt. Remove immediately to maintain compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX  False charge-off reporting with XXXX balance is misleading. It violates 1681e ( b ) for accuracy and 1681i for failure to verify. This record harms my credibility without any factual basis. Delete from file immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX  No creditor validation or payment proof exists for this account. Reporting unverifiable debt breaches 1681s-2 ( b ). Continuing to publish unproven data after multiple disputes shows clear negligence. Remove permanently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX Data remains unverified and incomplete. Reporting without confirmation from the original creditor violates 1681i. No lawful validation has ever been produced for this entry. Delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} Date Opened : XX/XX/XXXXXXXX  Information differs between credit bureaus and lacks consistency. Such conflicting reporting violates 1681e ( b ). No supporting proof of debt or default has been shown by XXXX XXXX. I demand immediate removal. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$500.00} Late payment claim is unverified and unproven. Under 1681e ( b ), negative reporting requires full validation. Furnisher failed to show date or billing record to justify delinquency. Remove without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} False late payment marking without proof violates 1681i. You are required to verify accuracy directly with the furnisher. Continued reporting after dispute shows noncompliance. Delete from report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$600.00} Late status unverified and inaccurate under 1681e ( b ). The bureau must confirm authenticity or delete. No proof or billing statement confirming delinquency was ever provided. Remove completely. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Inconsistent data and unverifiable lateness violate 1681i ( a ) ( 2 ) ( B ). Creditor validation was never received. This account should be removed for failure to verify and maintain accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$490.00} This late payment entry is inaccurate and unverified. Reporting it violates 1681s-2 ( b ). No documentation or verification was provided after multiple disputes. Remove immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00} The alleged delinquency is unproven and lacks factual support. This violates 1681e ( b ) for accuracy. The creditor has failed to validate records or payment proof after repeated requests. Delete from my credit report. 

The following inquiries were made without authorization, violating 1681b ( f ) which prohibits obtaining a consumer report without permissible purpose. Each must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. None of these inquiries were consumer-authorize

d. Retaining them violates 1681b ( a ) ( 3 ) and 1681n for willful noncompliance. Remove all unauthorized inquiries immediately. These inaccuracies and violations collectively demonstrate negligence and noncompliance with federal consumer protection laws. The bureaus and furnishers have failed their legal obligation to ensure fair, accurate, and verifiable reporting under FCRA 602 ( a ) and 623 ( a ) ( 1 ) ( A ). I am requesting that CFPB immediately investigate these matters, compel the responsible bureaus and
furnishers to remove or correct the erroneous data, and take appropriate enforcement actions to ensure compliance. Continued failure to uphold these laws constitutes willful noncompliance under FCRA 616 and 617, which subjects the responsible parties to civil liability.

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