Consumer complaint received 2025-10-02 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 formal complaint regarding multiple serious inaccuracies and improper reporting practices appearing on my credit reports. These errors are causing significant harm to my creditworthiness, financial opportunities, and overall well-being. Despite attempts to resolve these issues with the credit reporting agencies and furnishers, the inaccuracies persist in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

XXXX. Wrong Personal Information / Wrong Address Reporting The following addresses are falsely associated with my credit file XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Wrong Address These addresses are not mine, have never been mine, and their inclusion on my report suggests possible mixed file or identity misuse. This is highly damaging and violates FCRAs requirement for maximum possible accuracy. 

XXXX. Inaccurate and Improperly Reported Accounts The following accounts are being inaccurately reported, some as charge-offs, late payments, or collections, despite lacking proper verification and accuracy XXXX XXXX XXXXXXXX XXXX Balance : {$670.00}, Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX High Balance : {$1400.00}, Opened XX/XX/XXXX Charge Off XXXX XXXX XXXX High Balance : {$600.00}, Opened XX/XX/XXXX Late Payment XXXX XXXXXXXX High Balance : {$24000.00}, Opened XX/XX/XXXX Charge Off XXXX ( multiple entries ) Balances ranging from {$2000.00} to {$29000.00}, opened between XXXX Late Payments XXXX XXXX XXXX XXXX High Balance XXXX {$680.00}, Opened XX/XX/XXXX Collection XXXX XXXX XXXX ( multiple entries ) Balances {$290.00} {$530.00}, Opened XXXX Collections XXXX XXXX XXXX High Balance : {$7300.00}, Opened XX/XX/XXXX Collection XXXX XXXX XXXX High Balance : {$84.00}, Opened XX/XX/XXXX Collection These accounts are reported with inconsistent balances, duplicate listings, and unverifiable information. Several are re-aged, which is unlawful, and some accounts ( XXXX XXXX  ) appear duplicated multiple times under different amounts. 

XXXX. Improper Inquiry Reporting The following hard inquiries are listed without my authorization or legitimate permissible purpose under FCRA 604 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiries lower my credit score and constitute an additional harm.

Violations Identified Failure to maintain accurate credit reporting ( FCRA 607 ( b ) ).

Failure to properly investigate and delete inaccurate items ( FCRA 611 ).

Improper furnishing and collection of unverifiable or duplicate accounts ( FCRA 623, FDCPA 807 ).

Re-aging of accounts and multiple duplications, misleading creditors.

Requested Relief I request that the CFPB : Investigate these reporting errors with the credit reporting agencies and furnishers. 

Delete the wrong addresses immediately. 

Remove or correct all inaccurate, unverifiable, duplicated, or re-aged accounts. 

Remove unauthorized inquiries that lack permissible purpose. 

Ensure all furnishers and CRAs comply with FCRA and FDCPA obligations.

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