Consumer complaint received 2025-06-03 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, I am writing to formally dispute and complain about multiple inaccurate and unfair credit reporting practices on my credit reports that have severely damaged my credit standing. These errors pertain to late payments, charge-offs, collections, and incorrect account information reported by various creditors and debt collectors. Despite my repeated efforts to correct these issues directly with the creditors, these inaccuracies persist and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

List of Accounts with Issues : 1. XXXX XXXX o Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o High Balance : {$960.00} o Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 623 ( a ) ( 1 ) ( A ) Duty of furnishers to report accurate information.

2. XXXX XXXX XXXX XXXX o Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o High Balance : {$2500.00} o Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 623 ( a ) ( 1 ) ( A ).

3. XXXXXXXX XXXX XXXXXXXX o Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 623 ( a ) ( 1 ) ( A ). 
4. XXXX XXXX XXXX o Account # XXXXXXXX XXXX XXXX XXXX o High Balance : {$5300.00} o Opened : XX/XX/XXXX o Issue : Charge-Off o Violation : FCRA 623 ( a ) ( 1 ) ( A ) ; inaccurate charge-off status reported without proper verification.

5. Unnamed Account o Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o High Balance : {$40000.00} o Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 623 ( a ) ( 1 ) ( A ).

6. XXXX XXXX XXXX o Account # XXXX XXXX XXXX XXXX o High Balance : {$4000.00} o Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 623 ( a ) ( 1 ) ( A ).

7. XXXX XXXXXXXX XXXX XXXX o Account # XXXX XXXX XXXX XXXX XXXX o High Balance : {$2500.00} o Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 623 ( a ) ( 1 ) ( A ).

8. XXXX XXXX o Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Two separate entries ) o High Balances : {$2100.00} ( Charge-Off ) & {$1300.00} ( Late Payment ) o Opened : XX/XX/XXXX & XX/XX/XXXX o Violations : FCRA 623 ( a ) ( 1 ) ( A ) and inaccurate status reporting.

9. XXXX o Account # XXXXXXXX XXXX XXXX XXXX XXXX o High Balance : {$1600.00} o Opened : XX/XX/XXXX o Issue : Charge-Off o Violation : FCRA 623 ( a ) ( 1 ) ( A ).

10. XXXX XXXXXXXX o Account # XXXXXXXX XXXX XXXX XXXX ( Late Payment ), Account # XXXXXXXX XXXX XXXX XXXX  ( Charge-Off ) o High Balance : {$1900.00} o Opened : XX/XX/XXXX & XX/XX/XXXX o Violation : FCRA 623 ( a ) ( 1 ) ( A ).

11. XXXX XXXXXXXX XXXX o Account # XXXXXXXX XXXX XXXX XXXX o High Balance : {$47000.00} o Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 623 ( a ) ( 1 ) ( A ).

12. XXXX XXXX o Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o High Balance : {$0.00} o Opened : XX/XX/XXXX o Issue : Charge-Off o Violation : FCRA 623 ( a ) ( 1 ) ( A ).

13. XXXX o Account # XXXXXXXX XXXX o High Balance : {$2500.00} o Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 623 ( a ) ( 1 ) ( A ).

14. XXXX XXXX XXXX o Account # XXXXXXXX XXXX XXXX XXXX o High Balance : {$12000.00} o Opened : XX/XX/XXXX o Issue : Collection o Violation : FDCPA 807 ( 15 U.S.C. 1692e ) False, deceptive, or misleading representations ; failure to validate debt as per FDCPA 809.

Summary of Issues : Numerous accounts contain late payments and charge-offs inaccurately reported, causing substantial harm to my creditworthiness.

Some accounts show collections without proper debt validation or communication, violating my rights under the FDCPA.

Incorrect and unrelated addresses are reported on my credit report, which is a direct violation of the FCRAs accuracy requirements.

Creditors and debt collectors have failed to conduct reasonable investigations or correct my credit report after I disputed these items, violating FCRA 611.

Request for Relief : I demand that the Consumer Financial Protection Bureau investigate these inaccuracies and require the credit reporting agencies and furnishers to : 1. Immediately correct or delete all inaccurate late payments, charge-offs, and collection entries.

2. Remove all incorrect addresses associated with my credit profile.

3. Provide proof of proper validation and investigation for each disputed item as required by law.

4. Ensure compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act going forward.

Failure to comply with these laws harms my financial wellbeing and constitutes unfair and deceptive practices. I expect a prompt resolution of this matter.

Thank you for your attention and assistance.

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