Consumer complaint received 2025-08-13 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 formal complaint regarding numerous inaccuracies on my credit report that are severely affecting my financial standing, creditworthiness, and ability to obtain fair credit. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ), 1681i, 1681s-2 ( b ), and other applicable federal laws. I demand immediate investigation and correction of all inaccurate information. Below I have provided details of each disputed item, the applicable law, and an explanation of the factual circumstances. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Completely inaccurate address.

Law : FCRA 607 ( B ) maximum possible accuracy.

Story : This address has never been associated with me in any legitimate capacity. I have never lived, owned property, or conducted any transactions tied to this location. Its presence risks file contamination with unrelated accounts, which can lead to false derogatory items on my record. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Outdated personal address. 
Law : FCRA 609 & 611 right to dispute and remove outdated personal identifiers.

Story : This address is no longer connected to my current financial profile and should not remain in my active report. Retaining outdated addresses increases the likelihood of linking my file to unrelated activity from subsequent residents. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Inaccurate and unrecognized address. 
Law : FCRA 607 ( B ). 
Story : I have no history of residence, business, or correspondence at this address. Its presence signals either clerical error or potential identity theft, making removal essential. 
Account Disputes : XXXX XXXX Account # : XXXX XXXX XXXX Late Payment XXXX XXXX Issue : Inaccurate reporting of late payments. 
Law : FCRA 607 ( b ) ; FCRA 611 ( a ) Duty of accuracy and prompt reinvestigation. 
Story : I entered into this mortgage with the expectation that all payments would be recorded correctly. On multiple occasions, payments were made well within the due date, yet they were recorded as late. My own banking records show timely transactions, and no written notices of delinquency were ever provided. The reported lates damage my credit profile, increasing my interest rates and preventing approval for better loan terms. This is a clear violation of my rights under the FCRA, as Experian has a duty to ensure the data furnished by XXXX XXXX is accurate before publishing it. 
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff XXXX XXXX Issue : Account inaccurately listed as charged off despite a XXXX balance.

Law : FCRA 607 ( b ) ; FCRA 623 ( a ) ( 1 ) ( A ) Prohibits reporting information known to be inaccurate.

Story : This account reflects a {$0.00} balance, yet it is reported as a chargeoff. A chargeoff implies a loss to the creditor, which is false in this case. I fulfilled all obligations, and no collection activity is pending. Reporting both a {$0.00} balance and a derogatory chargeoff is contradictory, misleading, and unjustly penalizes me. This error must be deleted or updated to reflect a Paid in full status without derogatory remarks. 
XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX Issue : Erroneous late payment history. 
Law : FCRA 611 ( a ) ; FCRA 607 ( b ).

Story : This retail credit line was managed responsibly. At no point did I receive official notices or statements reflecting overdue status before payments were made. The late marks appear without justification and contradict my payment history. This reporting harms my ability to maintain positive credit utilization and reduces my credit score significantly. 

XXXX Account # : XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX XXXX Issue : Inaccurate chargeoff status with incorrect balance. 
Law : FCRA 607 ( b ) ; FCRA 623 ( a ) ( 1 ) ( A ).

Story : This XXXX account suffered from a billing dispute over fraudulent charges. While under dispute, XXXX prematurely closed the account and reported it as a chargeoff without acknowledging my ongoing fraud claim. The balance shown includes charges I never authorized. This is a direct breach of the FCRAs requirement to ensure disputed debts are marked as such and to avoid reporting unverifiable information. 
XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Chargeoff Issue : Wrongful chargeoff status. 
Law : FCRA 607 ( b ) ; FCRA 623 ( a ) ( 1 ) ( A ).

Story : This XXXX XXXX XXXX account was in good standing until an internal system error caused payment misapplication. Despite my repeated attempts to resolve the issue through customer service, the bank escalated the matter to a chargeoff without proper communication. My proof of payments, including bank statements, clearly shows this was an internal posting error, not a true default. 
XXXX XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Late Payment XXXX XXXX Issue : False late payment reporting. 
Law : FCRA 607 ( b ).

Story : This account was a secured savings builder account where payments were automated. Given the structure of the account, it is impossible for a payment to have been late unless there was a technical fault on their end. The negative mark is therefore unfounded and must be deleted. 
XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX  Issue : Account sent to collections without proper notice. 
Law : FCRA 607 ( b ) ; FDCPA 809 ( a ).

Story : This XXXX account was disputed for unauthorized charges stemming from a billing error. Rather than resolve the dispute, XXXX forwarded the account to collections without providing written verification or a final bill breakdown. This is both a reporting and procedural violation. 
XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX Issue : Duplicate and inaccurate collection entry. 
Law : FCRA 607 ( b ) ; FCRA 611 ( a ).

Story : This is a duplicate entry for the same disputed XXXX account listed above. Duplicate derogatories artificially inflate the severity of my credit history damage and must be removed immediately. 
XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Late Payment XXXX XXXX Issue : Incorrect late payment reporting. 
Law : FCRA 607 ( b ).

Story : This account was never delinquent. Automated payments were set up, and internal XXXX statements confirm no missed payments. The late notation appears to be an administrative error. 
XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX Issue : False late payment. 
Law : FCRA 607 ( b ) ; FCRA 611 ( a ).

Story : This entry shows a late payment for a period in which I had already paid in full. I contacted XXXX XXXX, and they acknowledged in writing that no payment was overdue. This should have been corrected before furnishing the data to Experian. 
XXXX Account # : XXXX XXXX XXXX Late Payment XXXX XXXX  Issue : Erroneous late payment report. 
Law : FCRA 607 ( b ).

Story : The reported late payment contradicts my own transaction receipts. This appears to be a systemic reporting flaw by the furnisher. 
XXXX Account # : XXXX XXXX XXXX Late Payment XXXX XXXX XXXXssue : False late payment mark. 
Law : FCRA 607 ( b ). 
Story : No late payment occurred. The report harms my credit profile and violates my right to accurate reporting. 
XXXX XXXX XXXX Account # : XXXX XXXX  Collection XXXX XXXX  Issue : Collection account for a debt never validated. 
Law : FDCPA 809 ( a ) ; FCRA 607 ( b ).

Story : This collection listing stems from a bill I do not recognize. No validation notice was sent, and no debt was confirmed in writing. 
XXXX XXXX Account # : XXXX Collection XXXX XXXX  Issue : Unverified collection account. 
Law : FDCPA 809 ( a ) ; FCRA 607 ( b ).

Story : I never received proper documentation proving this debt exists. Without validation, this account should not be reported. 
Inquiries Disputes : XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry recorded on my report. 
Law : FCRA 604 a consumer report may only be accessed when the user has authorized it or another permissible purpose exists ; FCRA 611 gives me the right to dispute and require reinvestigation. 
Story : On XX/XX/XXXX, a hard inquiry from XXXX XXXX was recorded on my Experian file. I did not apply for credit with XXXX on that date, nor did I provide written permission for this inquiry. This unauthorized access has a negative effect on my credit score and falsely signals that I sought new credit. Unless XXXX produces a signed credit application or other documentation showing a permissible purpose, this inquiry is improper and must be deleted. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry recorded on my report. 
Law : FCRA 604 ; FCRA 611. 
Story : A XXXX CARD inquiry dated XX/XX/XXXX appears on my report though I did not initiate any application or give consent at that time. The repeated JPMCB inquiries create an inaccurate impression that I actively sought credit from this lender, which harms my credit profile. I request that Experian require XXXX to provide proof of a consumer-authorized application ; absent such proof the inquiry must be removed. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX Issue : Inquiry recorded without authorization or permissible purpose. 
Law : FCRA 604 ; FCRA 611. 
Story : An inquiry attributed to XXXX / XXXX XXXX on XX/XX/XXXX appears on my file though I never applied for financing, provided consent, or otherwise contacted this dealership for credit. This entry falsely suggests I sought auto financing and may be the result of a clerical error or misuse of my information. I request that Experian require the furnisher to produce a signed, dated application or other documentation establishing permissible purpose ; if none is provided, remove the inquiry. 
XXXX XX/XX/XXXX Issue : Inquiry by XXXX listed without consumer authorization. 
Law : FCRA 604 ; FCRA 611. 
Story : The XXXX XXXX XXXX ( XXXX ) inquiry dated XX/XX/XXXX is listed on my credit report despite no application or contact on my part. There is no permissible reason to have this hard pull on my personal file unless I authorized it for a loan or grant ; I did not. Please verify the legal basis for this access ; if the XXXX can not provide documentation demonstrating my consent or a lawful permissible purpose, delete the inquiry. 
XXXX XXXX XXXXXXXX XX/XX/XXXX Issue : Unauthorized hard pull by XXXX XXXX XXXX. 
Law : FCRA 604 ; FCRA 611. 
Story : A XXXX XXXX XXXXXXXX inquiry dated XX/XX/XXXX was added to my file without my authorization and without any related transaction initiated by me. This inquiry has contributed to an inaccurate representation of my credit-seeking behavior. I request verification in the form of a signed consumer application or transaction record ; absent verification, the inquiry is improper and should be removed. 
XXXX XXXX XX/XX/XXXX Issue : Hard inquiry recorded without my consent. 
Law : FCRA 604 ; FCRA 611. 
Story : The XXXX XXXX  inquiry dated XX/XX/XXXX is on my report though I did not apply for credit at that time. Multiple JPMCB inquiries increase the appearance that I sought multiple lines of credit, negatively affecting lenders perception of my risk. Require XXXX to produce a signed application establishing permissible purpose ; if it can not, delete the inquiry. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized mortgage-related inquiry. 
Law : FCRA 604 ; FCRA 611. 
Story : An inquiry attributed to XXXX XXXX XXXX XXXX Mortgage dated XX/XX/XXXX appears on my report despite no mortgage application, pre-qualification, or contact initiated by me. The presence of this inquiry misrepresents my mortgage activity and could materially affect underwriting decisions. Please verify the source, date, and signed consumer authorization ; if verification is not produced, remove the inquiry. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Hard inquiry without consumer authorization. 
Law : FCRA 604 ; FCRA 611. 
Story : XXXX XXXX inquiry on XX/XX/XXXX is listed though I did not request a credit check from them. This unauthorized access should be verified by furnishing a signed application or other permissible-purpose documentation. If XXXX XXXX can not substantiate the inquiry, it must be deleted. 
XXXX / XXXX XXXX XX/XX/XXXX Issue : Duplicate/unauthorized dealership inquiry. 
Law : FCRA 604 ; FCRA 611 ; FCRA 1681c-2 ( duplication concerns ). 
Story : A second inquiry from XXXX / XXXX XXXX dated XX/XX/XXXX appears while I had no contact or application with this dealership. Duplicate dealership inquiries amplify the misleading appearance that I applied for multiple auto loans. Unless the furnisher provides a consumer-signed application for this date, Experian must delete the inquiry as unverifiable and prejudicial. 
XXXX XXXX XX/XX/XXXX Issue : Inquiry listed without authorization or permissible purpose. 
Law : FCRA 604 ; FCRA 611. 
Story : XXXX XXXX  inquiry on XX/XX/XXXX was not authorized by me and is not tied to any transaction I initiated. It inaccurately implies active credit-seeking behavior and may be the result of data sharing among dealers ; verify and remove if unverifiable. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry recorded by XXXX XXXX. 
Law : FCRA 604 ; FCRA 611. 
XXXX : The XXXX XXXX inquiry dated XX/XX/XXXX is on my report though I had not applied for credit with XXXX. This pull has no permissible purpose documented by me. Please require XXXX to provide a signed application or permissible-purpose certification ; if none exists, the inquiry must be deleted. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized hard inquiry by XXXX XXXXXXXX. 
Law : FCRA 604 ; FCRA 611. 
Story : Capital Ones inquiry on XX/XX/XXXX appears absent any application or consent from me. Continued reporting of unverified inquiries misrepresents my credit behavior and harms my score. Verify with documentary proof of my authorization ; otherwise remove it. 
XXXX XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry by XXXX XXXX. 
Law : FCRA 604 ; FCRA 611. 
Story : The XXXX XXXX XXXX dated XX/XX/XXXX shows on my file even though I did not request credit from XXXX XXXX. This is a recent unauthorized pull that must be substantiated by a signed application or permissible purpose documentation ; if XXXX XXXX can not do so, the entry must be deleted. 
I request that all inaccuracies, including false addresses, late payments, charge-offs, collections, and unauthorized inquiries, be immediately investigated, corrected, or removed as mandated by federal law. I further request written confirmation once corrections are made, along with an updated copy of my corrected credit report.

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