Consumer complaint received 2025-09-29 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 submitting this complaint to formally dispute multiple inaccurate and unauthorized items on my credit report. These include false collection accounts and unauthorized credit inquiries. These items are severely harming my credit score, reputation, and ability to access fair credit. The reporting of these items violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I demand that all disputed items be fully investigated and immediately corrected or deleted if unverifiable. 
XXXX XXXX XXXX, TX XXXX Wrong Address I dispute this address as I have never resided at XXXX XXXX, XXXX, TX XXXX. This error may seem small, but it creates a misleading history that makes it appear I have lived at multiple locations I never occupied. Such misinformation makes me look unstable to lenders, landlords, and employers who review my credit file. I fear that this incorrect detail has already caused harm in credit decisions. Under FCRA 607 ( b ), the reporting agencies must follow reasonable procedures to assure maximum possible accuracy, yet this address proves they have failed their legal duty. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I strongly dispute this entry because I have never lived at this apartment, never signed any lease, and never been connected with this location. This is an entirely false reporting. When the credit bureaus attach addresses like this to my report, it makes it appear as if I have an unstable or suspicious residential history, which unfairly damages my credibility and trustworthiness. The presence of such an address is not a harmless mistakeit actively interferes with my ability to secure credit, rental housing, or even employment. According to FCRA 611 ( a ) ( 1 ), when I dispute inaccurate information, the agencies are required to investigate and remove unverifiable data. Since I have no documents linking me to this address, it must be deleted immediately. 
XXXX XXXX XXXX * * * * * * High Balance : {$490.00} Date Opened : XX/XX/XXXX Late Payment This account is being reported with late payments that never occurred. I have always paid this account on time and have records that prove my consistent history. Reporting false late payments damages my reputation and lowers my score unfairly. This misinformation suggests that I am careless with my obligations, which is completely false. Such false data has real-world consequences, including credit denials, higher loan costs, and emotional stress. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. By allowing these errors, the reporting agencies are enabling XXXX XXXX to misrepresent my payment history. I demand that these late payment notations be immediately removed and my history corrected to reflect the truth. 
XXXX XXXX * * High Balance : {$870.00} Date Opened : XX/XX/XXXX Late Payment This account is also falsely reporting late payments. I dispute this information because I never failed to make timely payments on this XXXX account. False late payment reporting makes me appear unreliable to creditors and has already damaged my ability to obtain credit on fair terms. This is not only inaccurate, but also harmful to my financial standing. According to FDCPA 807 ( 8 ), no furnisher or debt collector may communicate false credit information. Reporting this as late is both a violation of federal law and my consumer rights. The FCRA gives me the right to dispute and demand correction, and I am exercising that right now. I insist that this accounts history be corrected to show on-time payments only. 
XXXX XXXX XXXX * * * High Balance : {$930.00} Date Opened : XX/XX/XXXX Charge Off This account is showing as a charge-off, but I dispute that claim entirely. I have no knowledge of this account ever being delinquent or charged off. If XXXX Bank believes this to be accurate, they must provide proper validation including signed agreements, account history, and payment records. Without such proof, this account is unverifiable and must be removed immediately. Reporting unverifiable data violates FCRA 611 ( a ) ( 5 ) which requires deletion of disputed items if they can not be substantiated. The false charge-off notation has already caused serious harm by portraying me as financially reckless when I am not. 
XXXX XXXX XXXX XXXX * * * High Balance : {$820.00} Date Opened : XX/XX/XXXX Collection I strongly dispute this collection account. I have no knowledge of any debt associated with XXXX XXXX and I never received any notice or validation of such an account. According to FDCPA 809 ( a ), a debt collector must provide validation of a debt upon request. Since no such validation was ever provided, this debt is unverified and illegally reported. The appearance of this collection item has damaged my score and makes it appear as though I am not honoring my obligations, which is completely false. Unless XXXX can produce real documentation proving that I owe this alleged debt, it must be permanently deleted from my credit report. 
XXXX XX/XX/XXXX XXXX I dispute this inquiry as unauthorized. I never applied for any credit with XXXX  or XXXX XXXX, nor did I authorize them to access my file. Unauthorized inquiries harm me by lowering my score and painting me as someone desperate for credit, which is untrue. Under the FCRA, no entity is allowed to pull my credit without my written or authorized consent. This must be removed. 
XXXX XX/XX/XXXX Inquiry This is a repeat unauthorized inquiry on the same day, further proving negligence and abuse of my consumer rights. I never permitted multiple pulls, nor did I apply for any product. These must be permanently removed as they are illegal under FCRA XXXX ( a ). 
XXXX XX/XX/XXXX Inquiry I dispute this inquiry because I did not apply for credit with XXXX on this date. They accessed my report without authorization. This must be removed immediately. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry I never applied for an account with XXXX on this date. Their inquiry was unauthorized and must be removed. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized. I did not apply for a card with XXXX XXXX on this date, nor did I give them permission to pull my credit. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I dispute this inquiry because I never authorized XXXX XXXX XXXX to access my file. It must be deleted immediately. 
XXXX XXXX XX/XX/XXXX XXXX This inquiry is false and unauthorized. I did not apply for credit with this company. Their pull was without permissible purpose under the FCRA. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I dispute this inquiry because I did not authorize XXXX XXXX to pull my credit report. This is an invasion of my privacy and harmful to my file. 
These inaccurate collections and unauthorized inquiries have caused severe emotional distress, reputational harm, and financial damage. I request a thorough investigation and immediate removal or correction of all disputed items. Under FCRA 611 ( a ), you are required to respond within 30 days. 
Failure to correct these items will leave me no choice but to pursue legal remedies under the FCRA, FDCPA, and all applicable federal and state 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