Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
I am filing this complaint because Experian is currently reporting multiple inaccurate and unverifiable items on my credit report that I have no knowledge of or that are being reported in error. Despite previous disputes, these items remain on my credit file and continue to negatively affect my credit score, financial opportunities, and peace of mind.

Below are the details of the disputed accounts : Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX This is an incorrect address. I have never lived at or been associated with this location. Its presence on my credit report suggests my file may be mixed with another individual 's, which raises serious concerns regarding identity confusion and reporting accuracy. 

XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$15000.00} | Status : Charge-Off I do not have any business or contractual agreement with XXXX XXXX XXXX XXXX This charged-off account appeared on my report without any prior communication or validation. I never received a bill, notice, or explanation of this alleged debt. I have requested verification of this account multiple times, but neither Experian nor the furnisher has provided proof of my responsibility for this debt. 

XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$500.00} | Status : Late Payments This account is showing late payments that are inaccurate. I have records showing that payments were made on time, yet Experian continues to reflect negative payment history. This false reporting has impacted my credit standing unfairly, and repeated disputes have not resulted in any proper correction or validation. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance : {$620.00} | Status : Collection I have never received services from XXXX XXXX and was unaware of this alleged debt until I saw it on my credit report. I never received any notice from the collection agency ( XXXX XXXX ) prior to its reporting. I requested validation from the collector, but no contract, billing statements, or documentation was provided. This account is being reported without proper verification or legal justification. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge-Off This account is reported as a charge-off with a {$0.00} balance, which makes no sense. If the balance is XXXX, there should be no reason to mark it as charged off. Experian has failed to provide any documentation to support this status, and no clarification has been made. I believe this is either a reporting error or an account that has been paid off but not properly updated. 

These inaccurate entries have collectively damaged my credit score, prevented me from accessing credit and housing, and caused emotional and financial stress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, verifiable, and up-to-date information. I believe Experian has violated this by failing to ensure the accuracy of the information being reported. 

I am asking for a full reinvestigation of these accounts. If Experian and the furnishers can not verify these items with proper documentation ( such as original signed contracts, billing histories, or validation notices ), they must be removed from my credit report immediately.

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