Consumer complaint received 2025-10-03 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 to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unauthorized, and misleading accounts reporting on my credit report associated with my address at XXXX XXXXXXXX XXXX XXXX, CA XXXX. These accounts are harming my creditworthiness, creating undue stress, and appear to violate multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting immediate investigation and correction of these accounts. 

XXXX XXXX XXXX XXXX, TX XXXX This address is inaccurately reported on my credit file. I have never resided at this location. Reporting an address I have not lived at violates my rights under FCRA 15 U.S.C. 1681c and 1681e ( b ), which require that only accurate and verifiable information be reported. This false address has contributed to mistaken identity issues and may have led to other erroneous entries on my credit report. I demand removal of this address immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This is another address incorrectly listed on my credit report. I have no association with this property. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. Failing to do so is a direct violation of federal law. This false information has negatively impacted my credit profile, caused confusion, and may have influenced lenders to make incorrect decisions regarding my applications. I request full removal of this inaccurate listing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Opened XX/XX/XXXX Balance {$820.00} * * This account has been reported as a charge-off, but the balance and status are inaccurate. According to FCRA 15 U.S.C. 1681i ( a ), I am entitled to a reinvestigation when an account is disputed. Upon reviewing my records, this accounts reported balance does not match the actual amounts I owed, and the charge-off designation is misleading. Reporting false status and balance constitutes a material inaccuracy and damages my credit profile. I request verification and correction or deletion of this account. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$10000.00} Late Payment * * This late payment is inaccurately reported. The account was not in default at the reported time, and the balance is overstated. FCRA 15 U.S.C. 1681i mandates accurate and verifiable reporting. Misreporting late payments creates a false narrative of delinquency and damages my creditworthiness. I request an immediate reinvestigation and correction of this account. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$7400.00} Late Payment * * This entry is erroneous as it does not reflect my payment history accurately. Reporting an incorrect late payment is a direct violation of FCRA 1681i. The account was current during the reported period, and this false information has unjustly lowered my credit score. Immediate correction or deletion is required. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$5600.00} Late Payment * * This account has multiple late payments inaccurately listed. Reporting false late payments violates 15 U.S.C. 1681e ( b ) and negatively affects my credit opportunities. The account was maintained in good standing, and the misreporting is damaging and misleading. Correction or deletion is required. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$620.00} Late Payment * * This late payment was incorrectly reported. My payment history shows on-time payments. Misreporting payments violates FCRA 1681i and 1681e ( b ). This error misleads lenders and reduces my credit score. I demand deletion or correction of this inaccurate entry. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$6400.00} Late Payment * * The reported late payment is false and does not reflect my true payment history. FCRA 1681i requires accurate verification ; failure to report correctly is unlawful. I request immediate reinvestigation and correction of this item. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1200.00} Late Payment * * This late payment is reported in error. I have documentation proving timely payments. Reporting inaccuracies violates 15 U.S.C. 1681i ( a ). This error must be removed immediately to prevent further harm. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$4700.00} Late Payment * * The account has been reported with inaccurate delinquencies. FCRA 1681e ( b ) requires accurate reporting of credit history. The misreporting is damaging and legally impermissible. I request deletion or correction. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$3600.00} Late Payment * * This late payment is false. My records show full compliance with payment obligations. Reporting incorrect delinquencies violates FCRA 1681i. Immediate correction or removal is demanded. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$2700.00} Late Payment * * This account was reported with an erroneous late payment. FCRA 15 U.S.C. 1681i protects me from such inaccuracies. I demand verification and correction or deletion of this account. 

XXXX XXXX * * * * * * * Opened XX/XX/XXXX Balance {$2500.00} Late Payment * * This late payment is inaccurate. FCRA 1681i requires reasonable investigation of disputed items. Reporting false late payments is a violation of federal law and damages my credit. Correct or delete immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1900.00} Late Payment * * The reported late payment is false and misrepresents my account history. Under 15 U.S.C. 1681e ( b ), credit bureaus must ensure accuracy. Immediate deletion or correction is required. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$5400.00} Late Payment * * This late payment entry is inaccurate. FCRA 1681i obligates bureaus to correct unverifiable information. My records prove compliance. I demand immediate reinvestigation and removal. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$2500.00} Late Payment * * The reported late payment is false. Inaccurate reporting violates FCRA 1681e ( b ). This account must be corrected or deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX {$2500.00} Late Payment * * This account shows a false late payment. Reporting unverified information violates 15 U.S.C. 1681i. I request deletion or correction. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX {$1200.00} Late Payment * * Late payment is inaccurately reported. FCRA 1681i ( a ) guarantees my right to accurate reporting. Correct or delete immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX {$4000.00} Late Payment * * This account incorrectly reports a late payment. Under FCRA 1681e ( b ), accuracy is legally required. Immediate correction or deletion is demanded. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$2700.00} Late Payment * * The late payment reported is false. FCRA 1681i requires reinvestigation of disputed items. Immediate correction or removal is necessary. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1200.00} Late Payment * * This late payment is inaccurate. FCRA 1681e ( b ) mandates accurate reporting. I request reinvestigation and deletion of this entry. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2400.00} Late Payment * * This late payment is misreported. FCRA 15 U.S.C. 1681i obligates correction of unverifiable information. Immediate removal is required. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$4800.00} Late Payment * * The reported late payment is false. FCRA 1681i requires accurate reporting. Delete or correct immediately. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$5200.00} Collection * This collection is inaccurately reported. My records show no delinquency. Reporting unverifiable collections violates FCRA 15 U.S.C. 1681i ( a ). Immediate deletion is demanded. 

XXXX XXXX XX/XX/XXXX Inquiry This hard inquiry was unauthorized. Under FCRA 604 ( a ) ( 3 ), only authorized inquiries are permissible. I request deletion of this inquiry. 

XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry reported. Violates FCRA 604 ( a ) ( 3 ). Delete immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry was made without my consent. FCRA 604 ( a ) ( 3 ) prohibits reporting without authorization. Remove immediately. 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized hard inquiry. Violates FCRA 604 ( a ) ( 3 ). Request deletion. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Unauthorized inquiry reported. FCRA 604 ( a ) ( 3 ) protects against this. Delete immediately. 

XXXX XXXX XX/XX/XXXX XXXX This inquiry is unauthorized. Removal required under FCRA 604 ( a ) ( 3 ). 

XXXX XXXX XXXX XX/XX/XXXX Inquiry Unauthorized inquiry. FCRA 604 ( a ) ( 3 ) violation. Request immediate deletion. 

XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry Inquiry made without consent. FCRA 604 ( a ) ( 3 ) requires deletion.

All accounts listed above are inaccurate, unauthorized, or improperly reported, violating multiple consumer protection laws including FCRA accuracy and dispute requirements, as well as FDCPA prohibitions on unfair or deceptive collection practices. The cumulative effect of these accounts is materially damaging my creditworthiness. I request CFPB enforcement and monitoring to ensure these items are fully reinvestigated, corrected, or deleted as appropriate and to prevent any future inaccurate reporting by these creditors. Immediate CFPB attention and action are necessary to resolve these violations and restore 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