Consumer complaint received 2025-07-11 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 formally filing a dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, incomplete, and unverifiable information on my credit report. The following items are listed with issues, applicable laws, and a detailed explanation. I request immediate reinvestigation and deletion where verification can not be substantiated in writing. 

XXXX XXXX XXXX XXXX, TX XXXX Wrong Address LAW ISSUE : FCRA Section 609 ( c ) ( 2 ) ( E ), 611 ( a ) ISSUE : I never lived at or used this address for any purpose STORY : This address is unfamiliar and does not belong to me. Including it in my credit file is causing confusion and linking me to financial obligations that are not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address LAW ISSUE : FCRA Section 609, 611 ISSUE : I have no relation to this address STORY : This incorrect address may have come from identity confusion or bureau error. Its presence is affecting my credit profile inaccurately XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX Charge Off High Balance : {$670.00} Date Opened : XX/XX/XXXX * * LAW ISSUE : FCRA Section 611, FDCPA Section 807 ISSUE : Reported as charged-off despite dispute STORY : I attempted to resolve this account and communicated hardship, but the creditor did not respond properly and charged it off unfairly XXXX  XXXX Account # : XXXX Late Payment High Balance : {$360.00} Date Opened : XX/XX/XXXX XXXX XXXX  LAW ISSUE : FCRA Section 623 ISSUE : Late payment reported without proper notice STORY : I was enrolled in a payment assistance program and should not have been reported late during that time XXXX Account # : XXXX Late Payment High Balance : {$460.00} Date Opened : XX/XX/XXXX XXXX XXXX LAW ISSUE : FCRA Section 611 ISSUE : Misreported payment status STORY : This account was paid on time, but continues to be shown as late without proper investigation XXXX Account # : XXXX Late Payment High Balance : {$640.00} Date Opened : XX/XX/XXXX XXXX XXXX LAW ISSUE : FCRA Section 607 ( b ) ISSUE : Inaccurate reporting of late payment STORY : I was in contact with the creditor for a payment plan, but no update was made and I was marked delinquent XXXX XXXX XXXX Account # : XXXX Charge Off High Balance : {$3500.00} Date Opened : XX/XX/XXXX * * LAW ISSUE : FCRA Section 611 ISSUE : Outdated and unverified charge-off STORY : I no longer have any association with this account. It should be deleted for age and lack of proper verification XXXX XXXX XXXX Account # : XXXX Charge Off High Balance : {$9400.00} Date Opened : XX/XX/XXXX * * LAW ISSUE : FCRA 623 ( b ) ( XXXX ), FDCPA ISSUE : Negative item reported during dispute process STORY : I was actively disputing the balance and terms when it was reported as a charge-off, violating fair reporting rules XXXX XXXXXXXX Account # : XXXX Charge Off High Balance : {$82.00} Date Opened : XX/XX/XXXX XXXX XXXX  LAW ISSUE : FCRA 609 ( a ) ( 1 ) ISSUE : Small dollar item reported as charge-off STORY : I was not notified about default status. I only learned about this through my credit report XXXX XXXX Account # : XXXX Charge Off High Balance : {$87.00} Date Opened : XX/XX/XXXX * * LAW ISSUE : FCRA Section 611 ISSUE : Unverified negative item STORY : I requested verification and never received a response. Reporting it is unlawful XXXX  XXXX Account # : XXXX Charge Off High Balance : {$77.00} Date Opened : XX/XX/XXXX * * LAW ISSUE : FCRA Section 609 ISSUE : Inaccurate status STORY : This balance was in dispute, not default. Improper handling led to false reporting XXXX  XXXX Account # : XXXX Charge Off High Balance : {$230.00} Date Opened : XX/XX/XXXX XXXX XXXX LAW ISSUE : FCRA Section 623 ISSUE : No communication or notice STORY : This was never resolved because XXXX  failed to reach me or offer any solution before reporting negatively XXXX  XXXX Account # : XXXX Charge Off High Balance : {$69.00} Date Opened : XX/XX/XXXX * * LAW ISSUE : FCRA Section 611 ISSUE : False charge-off on low balance STORY : A {$69.00} balance was charged off without any attempt at resolution, which is disproportionate and unethical XXXX  XXXX Account # : XXXX Late Payment High Balance : {$59.00} Date Opened : XX/XX/XXXX * * LAW ISSUE : FCRA Section 623 ISSUE : Late payment reported during open dispute STORY : I requested billing details and paused payments temporarily due to unresolved issues, yet it was marked late XXXX XXXX  XXXX Inquiry XXXX : XX/XX/XXXX LAW ISSUE : FCRA Section 604 ISSUE : Hard inquiry without permissible purpose STORY : I did not authorize or apply for any credit at this dealership or lender XXXX  XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX LAW ISSUE : FCRA Section 604 ( a ) ( 3 ) ISSUE : Unconsented credit pull STORY : I have no application history with Santander on this date XXXX XXXX LESS MO Inquiry Date : XX/XX/XXXX LAW ISSUE : FCRA Section 604 ISSUE : Improper inquiry STORY : This was not initiated by me and should be removed for lack of authorization CREDIT ACCEPTANCE Inquiry Date : XX/XX/XXXX LAW ISSUE : FCRA 604 ( b ) ISSUE : No permissible purpose STORY : I never sought credit from them on or around this date XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX LAW ISSUE : FCRA Section 604 ISSUE : Inquiry not linked to an application STORY : This was never approved or initiated by me XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX LAW ISSUE : FCRA Section 604 ( a ) ( XXXX ) ISSUE : Inquiry without application STORY : I did not interact with this dealership, and this credit check is unauthorized XXXX  Inquiry Date : XX/XX/XXXX LAW ISSUE : FCRA Section 604 ISSUE : Hard pull without valid reason STORY : I never applied for XXXX XXXX  at this time XXXX Inquiry Date : XX/XX/XXXX LAW ISSUE : FCRA Section 604 ( b ) ( 2 ) ISSUE : No signed consent for inquiry STORY : This is unauthorized and damaging to my score Conclusion I request your agency compel the credit reporting bureaus to perform a full reinvestigation into each of these items within 30 days per FCRA 611. If any of these items can not be verified with full documentation, they must be deleted from my credit file permanently. I have the right to accurate, fair, and substantiated reporting, and I demand compliance with all applicable federal laws.

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