Consumer complaint received 2025-08-30 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:
Consumer Financial Protection Bureau ( CFPB ) is entrusted with ensuring accuracy, fairness, and compliance with consumer reporting laws. I am submitting this formal complaint because my credit report contains false addresses, unauthorized inquiries, and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation, deletion, and correction of these inaccurate items because they are damaging my creditworthiness and causing ongoing harm. 

Wrong Addresses XXXX XXXX XXXX, TX XXXX This address is not connected to me and is being wrongly reported. Allowing unverified and incorrect addresses to remain violates FCRA 1681e ( b ), which requires maximum accuracy. Continuing to associate me with addresses I never lived at gives creditors a false picture of my identity and creditworthiness. This inaccurate reporting could cause unnecessary suspicion of fraud or identity theft, and for that reason, I demand its immediate deletion. 

XXXX XXXX XXXX XXXX, TX XXXX This address is also false. Reporting false identifying information creates confusion and risks fraud. The law is clear that only accurate and verifiable addresses should remain in my file. The continued reporting of this false address attaches me to a place where I have never received mail, conducted business, or signed a credit application, making it a clear violation of federal reporting standards. 

Accounts XXXXXXXX XXXX XXXXXXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX Reported as a charge off. This account can not be verified as accurate. Reporting it as a charge off without sufficient validation violates FCRA 1681i and 1681e ( b ). Creditors must be able to provide documented proof of accuracy, and if they can not, the account must be deleted. The presence of this charge off creates an unfair negative impression on my profile, and if it can not be proven with the original signed agreement and payment history, it must be permanently removed. 

XXXX XXXXXXXX XXXX High Balance : {$360.00} Date Opened : XX/XX/XXXX Reported as late payment. This reporting is inconsistent and fails the requirement of maximum accuracy under FCRA 1681e ( b ). The presence of inaccurate payment history paints an unfair picture of my creditworthiness and must be corrected or removed. A payment history that can not be fully verified should not be allowed to harm my creditworthiness since the FCRA mandates fairness and truth in consumer reporting. 

XXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Showing late payment. Any negative reporting must be 100 % verifiable. Inaccurate late payment history is damaging and must be deleted if not supported by proper records, as required by law. If the creditor can not provide the original documentation of delinquency, then this late payment claim is misleading and violates my consumer rights under FCRA 1681i. 

XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Reporting as charge off. This account is being inaccurately reported and creates financial harm. FCRA 1681i ( a ) requires reinvestigation, and if proper proof can not be shown, deletion is required. Charge offs are severe negative marks, and if they are reported without certified documentation, they are unlawful and harmful. 

XXXX XXXX High Balance : {$560.00} Date Opened : XX/XX/XXXX Reported late payments. Reporting conflicting information on the same creditor shows unreliability and is a violation of accuracy laws. I demand correction or removal. Inconsistent reporting from the same creditor undermines the reliability of the bureaus data and directly conflicts with the duty to maintain the highest accuracy standards. 

XXXX XXXXXXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXX Late payment reported. Such an extremely high balance and late reporting is questionable, and if not fully verified, must be removed per FCRA 1681e ( b ). Reporting such a large obligation without fully verifiable records is negligent and misleading. If this creditor can not prove every detail with clear evidence, the reporting must be deleted. 

XXXX XXXXXXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Reporting late payments. If the creditor can not validate this with complete records, continued reporting is unlawful. Consumers can not be held responsible for unverifiable derogatory entries, and federal law demands deletion of all information that fails verification standards. 

XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge off being reported. Any charge off must be validated, and without proof this is a direct violation of my consumer rights. Debt that is not supported by documentation can not lawfully appear on my file. I demand deletion if proper reinvestigation can not confirm accuracy. 

XXXX XXXX XXXX High Balance : {$28000.00} Date Opened : XX/XX/XXXX Late payment. Large auto accounts like this must be precisely accurate, and if the late payments are not verifiable with documentation, they must be deleted. Inaccurate reporting of high-balance accounts creates extreme financial harm by making me appear higher risk to creditors, which is unlawful if not backed by verified data. 

XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Collection reported. This item is unverifiable as there is no proof of ownership of debt. Debt buyers often fail to provide original contracts. If not fully validated, it must be removed immediately. Reporting a collection with no balance and no proof of ownership violates the FCRA and causes unjustified damage to my credit profile. 

Inquiries XXXX XX/XX/XXXX Another duplicate entry on the same date, which creates confusion and violates my rights under the FCRA. These repeated inquiries mislead potential creditors into thinking I sought more credit than I actually did. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized. No permissible purpose exists under FCRA 1681b for this entry. If the creditor can not prove that I consented to this inquiry, then it must be removed at once. 
XXXX XXXX XXXX XX/XX/XXXX This inquiry was not approved by me, and no valid business relationship exists. It is therefore a violation of the FCRA. Reporting inquiries without consumer authorization damages my profile unfairly and unlawfully. 

This complaint is being filed because my repeated efforts to correct these issues directly with the credit reporting agency have failed. The listed items are clearly wrong and harmful. I trust CFPB to intervene, enforce the law, and ensure a fair resolution to restore the accuracy of my credit file.

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