Consumer complaint received 2025-09-25 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:
Dear Sir/Madam I am writing to formally dispute multiple inaccuracies and unlawful reporting on my credit report. These issues violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related federal laws. Despite repeated attempts to correct these errors directly with the reporting agencies, the inaccuracies persist, causing significant financial and emotional distress. I am requesting immediate investigation and correction of all errors listed below. 
Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX Listing this address is incorrect. I have no connection to this property. The inclusion of this address on my credit report has already caused confusion with creditors and collection agencies, who have contacted me based on this erroneous information. It also negatively impacts my credibility with lenders. 
XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX This address is entirely wrong. I have never resided here, and no legal or financial ties exist. This inaccuracy can cause wrongful legal notices and undermines my financial history. Accurate address reporting is a fundamental requirement under federal law. 
Account Issues : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Charge-off, High Balance : {$60.00}, Opened : XX/XX/XXXX. This account is incorrectly reported as a charge-off. The reporting does not reflect my payment history accurately. It has caused undue damage to my credit score and created XXXX  in securing new credit. I request that this account be corrected immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX Charge-off, High Balance : {$680.00}, Opened : XX/XX/XXXX. This reporting is inaccurate. I have maintained regular payments, and the charge-off is unwarranted. Because of this false reporting, I have been denied financial opportunities and have experienced significant XXXX. 
XXXX XXXX XXXXXXXX XXXX  Charge-off, High Balance : {$4600.00}, Opened : XX/XX/XXXX. This account has been reported as delinquent without basis. The incorrect reporting misleads creditors, affects my creditworthiness, and is a violation of the FCRA. It must be corrected to accurately reflect my payment history. 
XXXX  XXXXXXXX XXXX XXXX Late Payment, High Balance : {$720.00}, Opened : XX/XX/XXXX. The late payment status is inaccurate. This false reporting has created unnecessary financial hardship and XXXX, including higher interest rates and denial of credit lines. Proper correction is required to restore my rights under federal law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Collection, High Balance : {$770.00}, Opened : XX/XX/XXXX. This account is being falsely reported as a collection. I have never received proper notice or verification of this debt, and its reporting is a violation of the Fair Debt Collection Practices Act ( FDCPA ). This false reporting has caused financial hardship, XXXX XXXX, and jeopardized my ability to secure future credit. 
XXXX XXXX XXXX XXXX  Collection, High Balance : {$980.00}, Opened : XX/XX/XXXX. This account is being reported incorrectly. I have never received proper validation or notice of this debt. Its presence on my credit report is unjust, causing undue XXXX, confusion with creditors, and wrongful damage to my creditworthiness. 
XXXX XXXXXXXX XXXX XXXX  Collection, High Balance : {$980.00}, Opened : XX/XX/XXXX. This account has been falsely reported. I dispute the validity of this collection entirely. The reporting has already led to wrongful collection attempts and has negatively impacted my ability to secure loans and credit lines. 
XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Collection, High Balance : {$980.00}, Opened : XX/XX/XXXX. The account is inaccurately listed as a collection. I have never received proper verification of this debt. This false reporting has caused XXXX XXXX, financial uncertainty, and risks my reputation with legitimate creditors. 
XXXX XXXXXXXX XXXX XXXX Collection, High Balance : {$2000.00}, Opened : XX/XX/XXXX. Reporting this account as a collection is incorrect and violates federal law. Its presence on my credit report misleads creditors, causing financial harm and creating unnecessary XXXX. Immediate correction and removal are required. 
XXXX  XXXXXXXX XXXX Collection, High Balance : {$480.00}, Opened : XX/XX/XXXX. This account is falsely reported. I dispute its validity and demand verification. The inaccurate reporting has affected my credit score, denied me credit opportunities, and caused undue hardship. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection, High Balance : {$2300.00}, Opened : XX/XX/XXXX. This account is being reported incorrectly. I have never been properly notified or provided verification for this debt. Its presence on my credit report is causing severe financial and XXXX XXXX, including wrongful denials of credit and increased financial uncertainty. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Collection, High Balance : {$960.00}, Opened : XX/XX/XXXX. This account is falsely reported. I have never received proper verification or notice of this alleged debt. Its inclusion on my credit report is causing wrongful financial XXXX, misleading creditors, and damaging my creditworthiness. I dispute the validity of this account in its entirety. 
XXXX XXXX XXXXXXXX XXXX XXXX Collection, High Balance : {$2000.00}, Opened : XX/XX/XXXX. This collection has been reported incorrectly. I have never been notified or provided validation for this debt. The false reporting has led to undue financial XXXX, wrongful denials of credit, and severe XXXX XXXX. Immediate removal and correction are required. 
Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute all of the above inquiries as unauthorized. I did not provide consent for these hard credit pulls, and their reporting without my permission constitutes a violation of the FCRA. These unauthorized inquiries have negatively impacted my credit score, caused unnecessary stress, and may affect my ability to obtain new credit on fair terms. I request immediate removal of all these inquiries from my credit report. 
Each of these errorscollections and unauthorized inquirieshas caused undue financial damage, XXXX XXXX, and wrongful denial of credit opportunities. The reporting agencies have failed to conduct proper investigations as required under federal law. I demand full investigation, correction, and removal of all inaccurate information. Written confirmation of the corrections is requested. 
I am prepared to escalate this complaint if these issues are not resolved promptly. Please ensure compliance with the FCRA, FDCPA, and other applicable federal laws.

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