Consumer complaint received 2025-09-06 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 filing this complaint because my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws have been repeatedly violated. My credit report contains multiple wrong addresses, inaccurate accounts, unverifiable collections, charge-offs, late payments, and unauthorized inquiries. These errors have damaged my creditworthiness, caused financial harm, and created barriers to obtaining fair housing, employment, and lending opportunities. I am requesting a full investigation, deletion of inaccurate data, and enforcement action to ensure compliance with federal law. 
Wrong Address XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Issue : This is not my residence and should not be associated with me. Law : FCRA Section 609 and Section 611 require only accurate and verifiable information to be reported. Story : Reporting a false address creates identity confusion, misleads lenders, and increases the risk of fraud. I have never lived at this address and demand deletion. 

XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong address. Law : FCRA Section 607 ( b ) requires maximum possible accuracy. Story : This reporting ties me to a place I never lived at, leading to inaccurate profile building and misrepresentation of my identity. 

Chargeoff Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$350.00} Date Opened : XX/XX/XXXX Issue : Reported as chargeoff though not validated. Law : FCRA 611, FDCPA 809 ( b ). Story : A chargeoff must be accurate, yet no original contract or proof of liability was provided. Without validation, this account can not be reported. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Old account reported inaccurately. Law : FCRA 623 ( a ) ( 1 ) ( A ). Story : This furnisher has failed to update accurate status and is misreporting balance information, which misleads lenders. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Issue : Inaccurate chargeoff. Law : FCRA 611. Story : No validation provided, inaccurate balance, and no chain of assignment proof. Continued reporting is unlawful. 

XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Report shows chargeoff with XXXX balance. Law : FCRA 607 ( b ). Story : A {$0.00} balance can not be legally charged off ; this is misleading and harmful. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Inaccurate chargeoff. Law : FCRA 623 ( b ). Story : Creditor failed to prove ownership or account agreement, and account continues to report damaging status unlawfully. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Issue : Duplicate reporting of same creditor. Law : FCRA Section 607 ( b ). Story : Double reporting by the same creditor inflates derogatories and misrepresents my credit risk. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$490.00} Date Opened : XX/XX/XXXX Issue : Chargeoff unverifiable. Law : FDCPA 809 ( b ). Story : I requested proof, but none was provided, meaning continued reporting is unlawful. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Issue : Chargeoff without proper validation. Law : FCRA 623, FDCPA 809 ( b ). Story : No original signed documents were provided, yet they continue to report damaging data. 

XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$190000.00} Date Opened : XX/XX/XXXX Issue : Late payment inaccurate. Law : Higher Education Act + FCRA 607 ( b ). Story : Federal loan servicers are required to report accurately. Late payment history here is misapplied and misleading. 
Collections XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$450.00} Date Opened : XX/XX/XXXX Issue : Collection inaccurate. Law : FDCPA 807, FCRA 611. Story : XXXX  can not validate ownership and reports multiple duplicate accounts. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$450.00} Date Opened : XX/XX/XXXX Issue : Duplicate reporting. Law : FCRA 607 ( b ). Story : Reporting same debt more than once inflates derogatories and misleads lenders. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Issue : Unverified collection. Law : FDCPA 809 ( b ). Story : No validation provided, continued reporting is illegal. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Collection unverifiable. Law : FDCPA 807. Story : Account reported without proper chain of title or proof. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Duplicate entry. Law : FCRA 611. Story : Duplicate reporting damages my score and falsely increases my debt load. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXX Issue : Collection unverifiable. Law : FDCPA 809 ( b ). Story : XXXX  is known to purchase debts cheaply without full documentation. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$770.00} Date Opened : XX/XX/XXXX Issue : Collection invalid. Law : FDCPA 809 ( b ). Story : XXXX XXXX continues to report unverifiable debts, misleading creditors. 

XXXX XXXXXXXX XXXX XXXX  High Balance : {$510.00} Date Opened : XX/XX/XXXX Issue : Unverified debt. Law : FCRA 611 + FDCPA 809 ( b ). Story : XXXX has failed to show proof of ownership. Continued reporting is unlawful. 

Inquiries XXXX XXXX XX/XX/XXXX Issue : Duplicate unauthorized inquiry. Law : FCRA 604. Story : Reporting same inquiry twice is harmful and misleading. 

XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. Law : FCRA 604. Story : This inquiry was not authorized by me and damages my credit score.

Conclusion These errors, duplications, unverifiable debts, and unauthorized inquiries are in clear violation of the FCRA and FDCPA. I request immediate deletion of all inaccurate information, enforcement against the furnishers and credit reporting agencies that failed in their obligations, and restoration of my consumer rights.

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