Consumer complaint received 2025-09-13 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 protected by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all credit reporting agencies maintain accurate, complete, and verifiable information. I have identified numerous inaccuracies on my credit report that have caused significant harm to my creditworthiness, financial opportunities, and personal reputation. I demand immediate investigation, correction, and removal of unverifiable or incorrect information. 
XXXX XXXX XXXX, XXXX, FL, XXXX This address is also incorrectly listed as part of my residence history. This error could negatively impact my ability to secure loans, rent an apartment, or even verify my identity for employment. The repeated misreporting of unrelated addresses reflects a failure to comply with FCRA 1681i ( a ) ( 1 ) ( A ), which mandates proper verification of disputed information. Each incorrect entry accumulates into a pattern that harms my financial and personal life. 
XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX This address is falsely listed on my credit file, contributing to a pattern of misinformation. It is impacting my financial credibility, increasing the risk of misidentification, and creating unnecessary stress. Repeated errors across multiple addresses indicate a systemic failure to follow FCRA 1681i ( a ), which obligates agencies to correct or remove unverifiable information. 
XXXX XXXX XXXX , XXXX, Open Date XX/XX/XXXX, High Balance {$450.00} This account is inaccurately reporting a late payment. I dispute this because my payments were timely, or the reporting is otherwise unverifiable. Reporting false delinquencies harms my credit score, increases the cost of borrowing, and may lead to denials of credit or housing. FCRA 1681s-2 ( b ) obligates creditors to report only accurate information and to correct errors once notified. The failure to provide verification constitutes a legal violation. 
XXXX XXXX , XXXX, Open Date XX/XX/XXXX, High Balance {$450.00} The reported late payment on this account is incorrect. I request full validation of this entry. Until verification is provided, this negative entry must be removed. Misreporting late payments without proper documentation violates FCRA 1681i ( a ), and each such entry materially harms my creditworthiness. 
XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$530.00} This account is reporting late payments inaccurately. The inclusion of such errors damages my ability to access fair credit, potentially increases interest rates, and negatively impacts employment or housing applications. FCRA mandates that all disputed information be investigated and corrected. Continued reporting of unverifiable late payments constitutes a violation of my consumer rights under federal law. 
XXXX XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$870.00} This account is reported as a charge off. I dispute this reporting because the account details, including the alleged delinquency, have not been properly verified or documented. Charge offs inaccurately reported negatively impact my credit score, increase borrowing costs, and may lead to loan denials. FCRA 1681i ( a ) and 1681s-2 ( b ) obligate the creditor and credit reporting agencies to verify disputed information, and the continued presence of this unverifiable entry constitutes a violation of my rights. 
XXXX XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$480.00} Similarly, this account is reported as a charge off without sufficient verification. I have not received proper documentation validating the delinquency or charge off. The inclusion of this inaccurate information materially harms my credit profile and is in violation of FCRA mandates requiring accurate and verifiable reporting. 
XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$190.00} This account is inaccurately reporting late payments. I dispute these entries because payments were made on time or the information is unverifiable. Reporting incorrect late payments misrepresents my creditworthiness and affects interest rates, insurance premiums, and employment background checks. Under FCRA 1681s-2 ( b ), creditors must report only accurate information and correct errors upon notification. 
XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$1000.00} Late payments reported on this account are disputed. I request full validation of these alleged delinquencies. The continued reporting of unverified late payments constitutes a violation of FCRA 1681i ( a ) and materially harms my financial opportunities. 
XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$580.00} This account inaccurately reflects late payment status. I dispute these entries as they are unverifiable, and reporting such incorrect information violates my rights under FCRA 1681i ( a ) ( 1 ) and 1681s-2 ( b ). The negative reporting affects my ability to obtain loans, housing, and fair credit opportunities. 
XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$770.00} Late payments on this account are inaccurately reported. I dispute these entries because proper verification has not been provided. Misreporting late payments without validation constitutes legal violations and damages my credit score, financial reputation, and future opportunities. 
XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$380.00} This account is reported as a charge off inaccurately. I dispute this reporting and request immediate validation. Continued reporting of unverifiable charge offs violates FCRA 1681i ( a ) and exposes me to unnecessary financial harm and reputational damage. 
XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$700.00} This account is reported as a charge off inaccurately. I dispute this because the reporting has not been properly verified with supporting documentation. Charge offs materially damage my credit score, affect interest rates, loan approvals, and rental or employment background checks. Under FCRA 1681i ( a ) and 1681s-2 ( b ), the creditor and credit reporting agency are required to verify disputed information, and failure to do so constitutes a violation of my consumer rights. 
XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$980.00} Similarly, this account is reported as a charge off without proper verification. I have never received documentation validating the charge off or delinquency. Reporting such unverifiable negative information significantly harms my financial reputation and violates FCRA mandates requiring accurate reporting. 
XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$520.00} This account is inaccurately reported as a charge off. I dispute this reporting because it is unverified and incorrect. The negative impact on my credit file is significant, and FCRA 1681s-2 ( b ) obligates creditors to report only accurate information and to correct errors upon notification. 
XXXX XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$5500.00} Late payments reported on this account are disputed as inaccurate. I request full validation of these entries. Reporting unverified late payments violates FCRA 1681i ( a ) and materially harms my credit reputation, financial opportunities, and ability to access fair credit. 
XXXX, XXXX, Open Date XXXX XXXX, XXXX, High Balance {$1800.00} This account is inaccurately reported as a charge off. I dispute this reporting because the information is unverified. Charge offs that are not properly validated cause irreparable harm to my credit score and financial credibility, which is a direct violation of my rights under FCRA 1681i ( a ) and 1681s-2 ( b ). 
XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$1200.00} This account is reporting late payments inaccurately. I dispute this entry because the information has not been verified and is inconsistent with my payment history. Incorrect late payment reporting harms my credit score, increases borrowing costs, and may affect employment and housing applications. FCRA 1681i ( a ) requires that all disputed information be investigated and corrected if unverifiable. 
XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$350.00} This account is reported as a charge off inaccurately. I dispute this because proper validation has not been provided. Charge offs that are not verified damage my credit reputation, impact interest rates, and can lead to denial of financial services. Under FCRA 1681s-2 ( b ), creditors must report only accurate information and correct errors once notified. 
XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$1200.00} This account is reported as a collection inaccurately. I dispute this because the reporting is unverifiable, and documentation supporting the alleged debt has not been provided. Collections reported incorrectly can materially harm my credit score, prevent loan approvals, and affect rental or employment opportunities. FCRA 1681i ( a ) requires investigation and correction of such errors. 
XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$850.00} This collection entry is inaccurately reported. I dispute this because verification has not been provided. Reporting unverified collections constitutes a violation of my consumer rights and negatively impacts my financial reputation and opportunities under FCRA 1681i ( a ). 
XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$750.00} A second entry for this account is also reported incorrectly as a collection. I dispute this because no proper verification exists. Duplicate or unverifiable collection entries are misleading, harm my credit score, and violate FCRA mandates. 
XXXX, XXXX, Open Date XXXX XXXX, XXXX, High Balance {$700.00} This account is reported as a collection inaccurately. I dispute this reporting and request immediate verification. Continued reporting of unverifiable collections is a direct violation of FCRA 1681i ( a ) and causes financial and reputational harm. 
XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$530.00} This collection account is inaccurately reported. I dispute this entry because verification has not been provided, and reporting it without proper validation materially harms my credit profile and financial opportunities. 
XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$450.00} This account is reported as a collection inaccurately. I dispute this reporting because verification has not been provided. Reporting unverified collections materially harms my credit score, affects my ability to secure loans or housing, and damages my financial reputation. Under FCRA 1681i ( a ), credit reporting agencies are legally required to investigate disputed information and remove unverifiable entries. 
XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$380.00} This account is also inaccurately reported as a collection. I dispute this because the reporting lacks proper documentation and validation. Repeated inaccurate collection entries negatively impact my creditworthiness, increase interest rates, and can lead to denials for financial products. FCRA 1681s-2 ( b ) requires creditors to report only accurate information and correct errors when notified. 
XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$320.00} This account is inaccurately reported as a collection. I dispute this entry because verification has not been provided and the negative information is unverified. Inaccurate collections damage my credit profile, interfere with employment and housing opportunities, and create undue stress. FCRA 1681i ( a ) mandates that all disputed information be properly investigated and corrected. 
XXXX XXXX, XXXX, Open Date XX/XX/XXXX, High Balance {$230.00} This account is reported as a collection inaccurately. I dispute this because proper verification has not been provided, and the reporting is unsubstantiated. Reporting unverified negative information is a direct violation of FCRA 1681i ( a ) and 1681s-2 ( b ), causing material harm to my credit reputation, financial opportunities, and personal life. 
XXXX XXXX, XXXX, Open Date XXXX XXXX, XXXX, High Balance {$60.00} This account is inaccurately reported as a collection. I dispute this because the reporting lacks documentation and validation. Inaccurate collections negatively impact my creditworthiness, increase interest rates, and can lead to denial of financial products. FCRA 1681s-2 ( b ) requires creditors to report only accurate information and correct errors once notified. 
XXXX XXXX XXXX , XX/XX/XXXX Unauthorized hard inquiry. I dispute this entry and demand deletion. 
XXXX XXXX, XX/XX/XXXX Unauthorized hard inquiry. I dispute and request immediate removal. 
XXXX XXXX XXXX, XX/XX/XXXX Unauthorized hard inquiry. I dispute this entry and demand deletion. 
The cumulative effect of all these inaccuracies, unverified collections, charge offs, late payments, wrong addresses, and unauthorized inquiries has severely harmed my credit profile, limited my financial opportunities, and caused undue stress. I demand that all disputed entries be thoroughly investigated, validated with proper documentation, or removed if unverifiable. Corrected credit reports must be issued to all major credit bureaus, and written confirmation of corrective actions must be provided. Failure to comply may compel me to pursue all available legal remedies, including claims for statutory damages under FCRA 1681n and 1681o.

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