Consumer complaint received 2025-09-18 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 regarding multiple inaccurate and unverifiable items being reported on my credit file, which are causing me severe financial harm, emotional distress, and reputational damage. I dispute the following items : Wrong Addresses ( Violation of FCRA 604, 607 ( b ), 609, 610 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Wrong Address These addresses are being inaccurately reported and do not belong to me. Under FCRA Section 604 ( a ) ( 3 ), only permissible and accurate data may be reported. Under FCRA Section 607 ( b ), credit reporting agencies must assure maximum possible accuracy. Reporting false addresses creates confusion about my true identity, suggests fraudulent association, and has exposed me to unnecessary risk of identity theft and mixed files. This false reporting has already caused me to be denied credit applications, questioned by potential lenders, and treated unfairly as if I had lived at addresses I have no connection with. If these addresses can not be verified with proper legal documentation directly linked to me, they must be permanently deleted. 
XXXX XXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Late Payment This account is being reported with alleged late payments. I dispute these as false, inaccurate, and not backed by any verifiable evidence. Under FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to request all records, contracts, signed agreements, and payment history proving these alleged late payments. To date, no such documents have ever been provided to me. This false reporting has resulted in my credit score dropping, which led to me being denied approval for an auto loan and facing higher interest rates on personal credit applications. Such harm is not minorit affects my livelihood, my ability to provide for my family, and my financial stability. Under FCRA Section 611 and FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. If the furnisher can not provide strict proof, this account and its negative notation must be permanently removed. 
XXXX XXXX High Balance : {$3100.00} Date Opened : XX/XX/XXXX Late Payment This account is reported with multiple late payments, which I dispute as inaccurate and unverifiable. For years, this inaccurate reporting has damaged my reputation with lenders. I have been humiliated and embarrassed when trying to open simple credit accounts because of this false history. It has affected my ability to obtain fair insurance rates and housing opportunities. Under FCRA Section 602 ( A ), consumers are entitled to fair and accurate reporting because credit reports impact employment, housing, and credit. Additionally, under FCRA Section 611, the CRA is obligated to reinvestigate my dispute and delete unverifiable information within 30 days. The emotional and financial harm from this wrongful reporting has been overwhelming, and if strict validation can not be produced, this account must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Both of these accounts are reported with late payments which I firmly dispute. I have never been provided with proper validation or documentation proving these alleged late payments. The inaccurate reporting has placed me in severe hardship : I was denied a mortgage refinance, I have been charged higher deposits for utilities, and I have been treated as if I am financially irresponsible when in fact I have worked tirelessly to maintain my obligations. Under FCRA Section 623 ( a ) ( 1 ) furnishers must not knowingly report false information. Under FCRA Section 609 ( a ) ( 1 ) I am entitled to full disclosure of all records, and under FCRA Section 611 ( a ) ( 5 ) any unverifiable item must be deleted. The continued reporting of these accounts in their current inaccurate form is a clear violation of federal law and my consumer rights. 
XXXX XXXX XXXX * * High Balance : {$190.00} Date Opened : XX/XX/XXXX Charged Off * * This account is reported as a charge-off, which I dispute as inaccurate and unverifiable. I have never been provided any original signed contract, billing statements, or proof that this debt was validly assigned to me. Under FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to request all original documentation. Until proper validation is produced, this item is inaccurate and must be deleted. The false charge-off has severely harmed me by lowering my credit score, resulting in higher interest rates, denial of cell phone contracts, and embarrassment when applying for basic financial products. Under FCRA Section 623 ( a ) ( 1 ) furnishers must not report false or unverifiable data. Under FCRA Section 611 ( a ) ( 5 ), unverifiable accounts must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Late Payment * * This account is being reported with a late payment despite showing a {$0.00} balance. This is inconsistent, misleading, and inaccurate. If the balance is XXXX, there is no legitimate basis for reporting delinquency. Under FCRA Section 602 ( A ), credit reporting must reflect accuracy and fairness. This inaccurate reporting has created stigma and implied that I am delinquent on obligations with a state agency when I am not. This false information has impacted my credibility when applying for professional licenses and public services. Under FCRA Section 607 ( b ), CRAs must ensure maximum possible accuracy. Because this data is contradictory and unverifiable, it must be deleted immediately. 
XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry All of the above inquiries are being reported without my authorization. I never granted written consent for these companies to access my credit file. Under FCRA Section 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a report when the consumer has provided authorization. These inquiries are harming my score and giving the false impression that I am recklessly seeking credit. This misrepresentation has caused me to be denied loans and viewed as a high-risk borrower. Under FCRA Section 609 ( a ) ( 1 ), I am entitled to proof of authorization with my signature. If no such documentation exists, these inquiries are unlawful, and under FCRA Section 611, they must be permanently deleted. 
The reporting of false charge-offs, contradictory late payments, and unauthorized inquiries violates FCRA Sections 602, 604, 607, 609, 611, and 623, and also provides grounds for damages under 15 U.S.C. 1681n & 1681o. I request that the credit reporting agency immediately investigate and delete all inaccurate and unverifiable information, and provide written confirmation once completed. 
Requested Action : Immediate reinvestigation of all disputed items Deletion of unverifiable or inaccurate accounts and inquiries Written confirmation of the outcome within 30 days as required by law

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