Consumer complaint received 2025-06-04 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 submitting this formal complaint regarding multiple inaccurate and damaging entries on my credit report by various creditors and credit reporting agencies. Despite my attempts to resolve these issues directly, the errors persist, causing significant harm to my creditworthiness and financial reputation. 
Below is a detailed account of each issue, including account numbers, inaccuracies, and relevant legal citations to support my claim for immediate correction or removal : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} Issue : Incorrect Charge-Off status reported. 
Violation : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : Requires that furnishers of information ensure the accuracy and completeness of information reported to credit reporting agencies. Reporting a charge-off without proper verification is a violation of this obligation. 
FCRA, 15 U.S.C. 1681i : Requires investigation of disputed information. This account status has not been properly verified. 
XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3000.00} Issue : Incorrect late payment entries reported. 
Violation : FCRA 1681e ( b ) : Reporting inaccurate late payments constitutes furnishing inaccurate information.

FCRA 1681i : Failure to conduct a reasonable investigation after dispute.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Reporting false information is a deceptive practice. 
XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2300.00} Issue : Incorrect late payment entries reported. 
Violation : Same as above ( FCRA 1681e ( b ), 1681i and FDCPA 1692e ). 
XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$20000.00} Issue : Inaccurate late payment history reported. 
Violation : FCRA 1681e ( b ), 1681i : Failure to report accurate payment history and failure to properly investigate disputed late payments.

FDCPA 1692e : Prohibition against false, deceptive, or misleading representations. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$18000.00} Issue : Inaccurate late payment history reported. 
Violation : Same as above for XXXX account. 
XXXX. Incorrect Address Listings on Credit Report Addresses reported ( but are inaccurate ) : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX : FCRA XXXX ( b ) : Credit reporting agencies are required to maintain accurate and complete consumer address information. Reporting multiple incorrect addresses violates this requirement and may lead to mistaken identity or fraud risk.

FCRA 1681i : Failure to promptly correct disputed inaccurate personal information.

Summary of Requests : Immediate removal or correction of inaccurate charge-offs and late payment information on all listed accounts. 
Removal or correction of all inaccurate address information. 
Proper reinvestigation of each disputed item in accordance with FCRA guidelines. 
Confirmation of corrections made in writing within 30 days, as required by FCRA 1681i ( a ).

This inaccurate reporting has caused me financial harm, including denial of credit opportunities and increased interest rates. I request urgent attention to these matters to bring my credit report into full compliance with federal law. 
If the disputed information can not be verified with complete accuracy, it must be removed promptly. I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau and pursue all available legal remedies.

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