Consumer complaint received 2025-09-15 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 complaint is being filed under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). I am disputing the following accounts and inquiries that are being reported inaccurately, unlawfully, and without proper validation. These entries are harming my credit standing, financial reputation, and overall stability. 
XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Wrong Address This is not my residence and has been incorrectly added to my credit report. Reporting this address without proper verification is a violation of FCRA 607 ( b ) which requires maximum possible accuracy. The presence of this false address creates identity confusion and raises the risk of fraud against me. Because of this false entry, I was questioned by a lender about whether I lived there, which caused embarrassment and made me appear dishonest even though I have never lived at this address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This is not my residence. Maintaining false addresses is a reckless violation of my rights and creates a false narrative that I have resided in places where I never lived. This compromises my financial stability and could be considered negligent under FCRA 623. Due to this false listing, I was flagged for a fraud alert during a car loan application, which delayed approval and left me humiliated in front of the dealership. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1900.00} Date Opened : XX/XX/XXXX Charge Off This charge off is being reported inaccurately. Under FCRA and FDCPA, no debt may be reported as valid without clear validation and verification of the amount, ownership, and accuracy. This account is creating serious harm to my financial stability, and I dispute the legality of its reporting. Due to this false charge off, I was turned away from a personal loan application, which made it impossible for me to cover urgent expenses and left me feeling helpless. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$430.00} Date Opened : XX/XX/XXXX Charge Off This charge off account is not validated. Utility accounts should not be reported as charge offs without accurate documentation. Reporting this without proof is deceptive and violates FCRA accuracy standards. This account is disputed in full and must be deleted immediately. Because of this account, I was forced to pay higher deposits for utilities when moving to a new home, which caused unnecessary financial hardship on me and my family. 
XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Late Payment This account is showing late payments that are not accurate. I have not received proper documentation proving these late entries. Under FCRA 609 and 611, I demand full validation of these alleged late payments or immediate deletion. This inaccurate reporting is obstructing my ability to secure housing and financial opportunities. Because of these false late marks, I was denied financing for a vehicle I desperately needed for work, which affected my income and stability. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$880.00} Date Opened : XX/XX/XXXX Collection This account is reporting as a collection, but I have never received proper validation or proof that this debt is mine. Under FDCPA 809 and FCRA 623, furnishers are required to verify debt ownership and accuracy before reporting. Because of this false reporting, I was denied a store credit card and accused of being delinquent on accounts that I never authorized. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$3100.00} Date Opened : XX/XX/XXXX Collection This alleged collection is inaccurate and unverifiable. I have no contract or record connecting me to this debt. Reporting this without validation is a direct violation of FCRA accuracy standards. Because of this false collection, I was prevented from qualifying for a personal loan that I needed for emergency expenses, leaving me in financial distress. 
XXXX XXXX XXXX XXXX High Balance : {$770.00} Date Opened : XX/XX/XXXX Collection This account is being reported without validation. I have not received any notice of debt as required under FDCPA 809 ( a ). Reporting this without giving me an opportunity to dispute violates my consumer rights. Because of this false account, I was treated unfairly by a landlord who viewed me as financially irresponsible and denied me housing.

Story and Harm Caused : These false collections and unauthorized inquiries are not just technical violations ; they have real-life consequences. Because of these inaccurate reports, I have been denied credit, charged higher interest, blocked from housing opportunities, and forced to pay more for basic financial services. These violations are causing severe emotional stress, embarrassment, and financial damage.

Demand for Relief : I respectfully demand that the CFPB investigate these violations and require the deletion of all unverifiable collections and unauthorized inquiries from my credit report. These accounts and inquiries must be permanently removed as they violate both the FCRA and FDCPA. If corrective action is not taken, I will be forced to pursue additional remedies, including legal action under FCRA 616 and 617 for 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