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 complaint to formally dispute multiple inaccuracies on my credit report that have caused significant financial harm, stress, and reputational damage. These inaccuracies include wrong addresses, late payments, charge-offs, collection accounts, and unauthorized hard inquiries. Despite my efforts to correct these errors with the reporting agencies, they persist, which is not only unfair but also violates my rights under federal law. 
From the outset, I have observed persistent misreporting, including addresses that have never been associated with me, accounts inaccurately marked as late or charged-off, and collection entries I do not recognize. These errors have caused undue stress, financial limitations, and damage to my creditworthiness. Despite my efforts to resolve these errors directly with the reporting agencies, the inaccuracies remain. I am invoking my rights under FCRA to ensure that all erroneous information is corrected immediately. 
XXXX XXXX XX/XX/XXXXXXXX Issue : Wrong Address Law : FCRA 1681i ( a ) ( 1 ) ( A ) Requires CRAs to investigate disputes and correct inaccurate information promptly.

Story : This address has never been my residence. Its appearance on my credit file creates false associations that suggest I lived here, causing lenders to question my credit history and reliability. The presence of this incorrect address impacts my ability to obtain loans and has caused repeated denials for financial products. I request its immediate removal from my credit report. 
XXXX Pleasant Colony Apt XXXX, XXXXXX/XX/XXXXXXXX Issue : Wrong Address Law : FCRA 1681e ( b ) CRAs must follow reasonable procedures to ensure maximum possible accuracy of reported information. 
Story : I have never resided at this property. Its listing on my credit report is not only misleading but also a violation of my right to accurate reporting. The repeated presence of this false address raises concerns for potential lenders and negatively impacts my financial credibility. XXXX correction is necessary to restore accuracy. 
XXXXXX/XX/XXXX Issue : Late Payment Law : FCRA 1681i Requires verification of disputed information and deletion if unverifiable.

Story : I have consistently made timely payments on this account. The reported late payments are entirely inaccurate and have caused unnecessary damage to my credit profile. The financial institutions negligence in reporting accurate information has left me unfairly penalized, impacting my credit score and borrowing capacity. 
XX/XX/XXXXIssue : Late Payment Law : FCRA 1681s-2 ( a ) Obligation of furnishers to provide accurate information.

Story : I have maintained regular payments and have documentation proving no late payments occurred. The reporting of delinquency is false and unjustified. This misreporting has led to repeated inquiries being viewed negatively by lenders and has compromised my financial opportunities. 
XXXXXX/XX/XXXXIssue : Charge-off Law : FCRA 1681s-2 ( b ) Requires furnisher to correct or delete inaccurate information after notice.

Story : This account has been inaccurately charged-off despite all payments being up to date or resolved. This charge-off falsely reflects financial irresponsibility and severely reduces my ability to secure credit. Immediate investigation and correction are required. 
XXXXXX/XX/XXXX Issue : XXXX XXXX : FCRA 1681i ( a ) CRAs must delete unverifiable information within 30 days.

Story : The charge-off listed is inaccurate. I have paid all obligations or have a standing agreement with the creditor. The presence of this charge-off in my credit report is fraudulent, misleading lenders, and limiting my financial mobility. 
XXXXXX/XX/XXXX Issue : XXXX XXXX : FCRA 1681s-2 ( b ) Correct inaccurate reporting after dispute.

Story : This account shows a charge-off that never occurred. The reporting entity has failed to ensure the accuracy of the account status. This false information directly harms my creditworthiness and must be removed promptly. 
XXXXXX/XX/XXXXIssue : Late Payment Law : FCRA 1681i ( a ) Disputed information must be investigated. 
Story : I have never missed a payment on this account as documented in my statements. The reported late payment is a clear misrepresentation and has unnecessarily damaged my credit history. Immediate correction is requested. 
XX/XX/XXXXssue : Late Payment Law : FCRA 1681s-2 ( a ) Furnishers must ensure accurate information reporting. 
Story : All payments were made in a timely manner. Misreporting late payments affects my financial credibility, and I insist on verification and correction. 
XX/XX/XXXX Issue : Late Payment Law : FCRA 1681i ( a ) Credit bureaus must remove unverifiable disputed information.

Story : The reported late payments are false. I have documentation to prove all payments were timely. This inaccurate reporting diminishes my creditworthiness and misleads potential lenders. 
XXXXXX/XX/XXXX Issue : Charge-off Law : FCRA 1681i Obligation to investigate disputes and remove unverified items.

Story : The charge-off reported on this account is incorrect. It creates a false narrative of financial irresponsibility, limiting my ability to obtain future credit and negatively impacting my personal finances. 
XXXX XXXXXX/XX/XXXXIssue : Collection Law : FCRA 1681s-2 ( a ) & 1681i ( a ) Furnisher must provide accurate info, CRAs must verify disputed accounts.

Story : I do not recognize this debt. Reporting this collection violates my rights and misleads lenders. Documentation and proof of the debt are required, or it must be deleted immediately. 
XXXX XXXXXX/XX/XXXX( Balance {$450.00}, Opened XX/XX/XXXXXX/XX/XXXX Issue : Collection Law : FCRA 1681i ( a ), 1681s-2 ( a ) Furnishers must provide accurate info ; CRAs must verify disputed accounts. 
Story : I do not recognize this collection. Its reporting is misleading, and it falsely suggests I owe a debt I have not validated. The negative impact on my credit score affects my ability to secure loans and housing. I request immediate deletion or verification of this account with supporting documentation. 
XXXX XXXX XXXX AccountXX/XX/XXXX( Balance {$17000.00}, Opened XX/XX/XXXX ) * * Issue : Collection Law : FCRA 1681s-2 ( b ) Furnishers must correct or delete inaccurate information after notice of dispute.

Story : This account has been misreported as delinquent. I have no outstanding obligation corresponding to this balance. Its presence is misleading to creditors and severely damages my financial credibility. XXXX removal or proper validation is demanded. 
XXXX XXXXXX/XX/XXXX( Balance {$100.00}, Opened XX/XX/XXXXXX/XX/XXXX Issue : Collection Law : FCRA 1681i ( a ) Credit reporting agencies must investigate disputes and remove unverifiable information.

Story : This collection is incorrect. It falsely reflects a debt I do not owe, limiting my ability to qualify for loans and other financial products. I request verification or deletion. 
XXXX XXXXXX/XX/XXXX( Balance {$830.00}, Opened XX/XX/XXXXXX/XX/XXXX Issue : Collection Law : FCRA 1681s-2 ( a ) & 1681i ( a ) Furnisher must report accurate info ; CRAs must remove unverifiable disputes. 
Story : I dispute the validity of this collection. The presence of this inaccurate debt misleads lenders and negatively impacts my credit score. Immediate investigation and correction are necessary. 
XXXX XXXX XXXX Account XX/XX/XXXXXXXX ( Balance {$330.00}, Opened XX/XX/XXXXXX/XX/XXXX Issue : Collection Law : FCRA 1681i ( a ) Disputed information must be verified or removed.

Story : This debt is incorrectly reported. It creates a false perception of financial irresponsibility and reduces my opportunities for credit. I demand removal unless proper validation is provided. 
XXXX XXXX XXXX Account XX/XX/XXXX Balance {$140.00}, Opened XX/XX/XXXXXX/XX/XXXX Issue : Collection Law : FCRA 1681i ( a ) CRAs must conduct a thorough investigation.

Story : I have no records of owing this amount. Its reporting is inaccurate and unfairly damages my credit profile. Immediate correction or deletion is required. 
XXXX XXXX XXXX Account XX/XX/XXXX( Balance {$210.00}, Opened XX/XX/XXXXXX/XX/XXXX Issue : Collection Law : FCRA 1681s-2 ( b ) Furnishers must correct errors after dispute notice.

Story : This account is misreported as delinquent. The negative reporting has impacted my creditworthiness and ability to secure financial products. Verification or removal is demanded. 
XXXX XXXX XXXX AccountXX/XX/XXXX( Balance {$140.00}, Opened XX/XX/XXXXXX/XX/XXXX Issue : Collection Law : FCRA 1681i ( a ) CRAs must remove unverifiable disputed information.

Story : This collection is incorrect. Its reporting has caused unwarranted harm to my credit profile. I request immediate correction or removal. 
XXXX XXXX XXXX AccountXX/XX/XXXXXXXX ( Balance {$160.00}, Opened XX/XX/XXXX ) Issue : Collection Law : FCRA 1681s-2 ( a ) Furnisher responsibility to report accurate information.

Story : I have no obligation corresponding to this account. Its presence is misleading and unjustly harms my financial reputation. Verification or deletion is required. 
XXXXXX/XX/XXXX( Balance {$250.00}, Opened XX/XX/XXXXXX/XX/XXXX Issue : Collection Law : FCRA 1681i ( a ) CRAs must investigate disputes thoroughly.

Story : This collection is misreported. The negative effect on my credit limits my ability to obtain loans or financial services. Immediate correction or removal is demanded. 
XX/XX/XXXXXXXX ( Balance {$840.00}, Opened XX/XX/XXXX ) Issue : Collection Law : FCRA 1681i ( a ) Credit bureaus must verify disputed items or remove them.

Story : I dispute this debt as it is incorrectly attributed to me. The false reporting restricts my access
to credit and financial services. Immediate investigation and removal are necessary. 
XXXXXX/XX/XXXXXXXX ( Balance {$500.00}, Opened XX/XX/XXXX ) Issue : Collection Law : FCRA 1681i ( a ) CRAs must investigate disputed information. 
Story : I have no obligation related to this account. Its reporting is erroneous and adversely affects my credit score, limiting financial opportunities. Immediate removal is required. 
Inquiries : -XX/XX/XXXXXX/XX/XXXX Issue : Unauthorized Hard Inquiry Law : FCRA 1681b ( f ) Hard inquiries require permissible purpose ; unauthorized inquiries must be removed.

Story : I did not authorize these inquiries. Their presence is unfair and negatively affects my creditworthiness. Immediate deletion is requested. 
Conclusion : These repeated inaccuracies, misreported late payments, charge-offs, collections, incorrect addresses, and unauthorized inquiries constitute multiple violations of the FCRA ( 15 U.S.C. 1681 ). They have caused severe financial harm, undue stress, and hindered my ability to access credit. I demand that all inaccurate information be investigated, corrected, or removed immediately. Failure to resolve these disputes will compel me to escalate the matter, including filing complaints with the FTC, seeking legal remedies, and pursuing civil action for damages caused by negligent reporting.

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