Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and all applicable consumer protection statutes regarding inaccurate, misleading, and unverifiable items currently reported on my credit profile. These entries have caused severe harm to my financial life, lowering my credit score, denying me access to fair credit, and creating unjust barriers to housing and employment opportunities. I am requesting immediate investigation and deletion of the following disputed items : Wrong Addresses Reporting : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Wrong, misleading, and unverifiable. I have never resided at this address, and its appearance on my report links me to potential accounts or collections that are not mine. This is damaging, deceptive, and must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This is also false reporting. I have not lived here, nor do I have any relationship with this property. Its continued presence creates confusion and risks identity theft implications. Reporting wrong addresses violates FCRA obligations of accurate consumer file reporting. 
Negative Accounts Reporting : XXXX XXXX XXXX XXXX XXXX  High Balance : {$530.00} Date Opened : XX/XX/XXXX Reported as a charge-off. This account is inaccurately reported. I have never received proper validation, billing statements, or evidence proving this debt belongs to me. Under FCRA Section 609 and FDCPA Section 809 ( a ), I have the right to request validation, and none has been provided. Reporting this as a charge-off without evidence is unlawful. This is harming my creditworthiness and must be deleted. 

XXXX XXXX XXXX XXXX High Balance : {$990.00} Date Opened : XX/XX/XXXX Wrongly reported as a charge-off. I dispute the accuracy, ownership, and reporting practices of this account. Creditors are required under FCRA Section 623 to report only accurate and verifiable data, but this tradeline is inconsistent, unverifiable, and therefore unlawful. Keeping it on my report creates unfair harm. 

XXXX XXXXXXXX XXXX XXXX  High Balance : {$2700.00} Date Opened : XX/XX/XXXX Reported as charge-off. This account is disputed as inaccurate, unverifiable, and misleading. No original signed contract, no billing statements, and no legal validation has been provided. Continuing to report such unverifiable data violates FCRA 623 and FDCPA requirements. This account must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3100.00} Date Opened : XX/XX/XXXX Reported with late payments. I strongly dispute this reporting. The late payments are not accurate and have never been validated. FCRA Section 607 ( b ) requires the highest accuracy, yet this creditor continues to report damaging and misleading data. These late payments are hurting my financial stability and must be corrected or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXX Reported with late payments. I dispute these lates as inaccurate and unverifiable. No original billing statements, contracts, or evidence have been provided to prove the accuracy of this reporting. Under FCRA Section 609 and 611, I have the right to demand proper investigation, and under FCRA Section 623, furnishers are required to report accurate information only. This tradeline is harming my financial credibility and must be corrected or deleted immediately. 
DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$3500.00} Date Opened : XX/XX/XXXX Reported with late payments. I strongly dispute this information. These alleged late payments are inaccurate and damaging. Education-related accounts must be reported fairly and accurately, yet this tradeline shows inconsistencies that can not be verified. Without full validation, including payment history and accurate reporting, these lates are unlawful under FCRA and must be deleted. 

DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$5100.00} Date Opened : XX/XX/XXXX Also reported with late payments. This is a duplicate pattern of inaccuracy. The repeated reporting of unverifiable late payments exaggerates damage to my credit score and creates a false narrative about my payment history. This violates FCRA 607 ( b ) and 611, and I demand deletion of this inaccurate entry. 

DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$410.00} Date Opened : XX/XX/XXXX Wrongly reported with late payments. This account is particularly harmful because of its low balance but highly negative effect on my credit profile. No validation has been provided, and the reporting appears inconsistent with actual payment activity. This must be investigated and corrected or removed under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$39000.00} Date Opened : XX/XX/XXXX Reported with late payments. This account reporting is inaccurate and harmful. Given the high balance, the false late payments severely impact my creditworthiness, ability to access fair credit, and overall financial stability. FCRA Section 602 ( A ) requires fair and equitable reporting, and this account violates that principle. I demand proof of accuracy or immediate deletion.

The reporting of these inaccurate accounts and inquiries violates my rights under FCRA Sections 602, 607 ( b ), 609, 611, and 623, and also places the credit bureaus and furnishers in noncompliance. These items are lowering my credit score, leading to denials of financial opportunities, higher interest rates, and emotional distress. If these inaccuracies are not fully resolved, I reserve my right to pursue legal remedies under FCRA Section 616 ( civil liability for willful noncompliance ) and Section 617 ( civil liability for negligent noncompliance ).

I demand a complete investigation within the 30-day timeframe mandated by law and written confirmation of the results.

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