Consumer complaint received 2025-10-27 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 filing this complaint against the credit bureaus and the following creditors/collection agencies for reporting inaccurate, unverifiable, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my previous disputes, these items remain uncorrected, continuing to damage my creditworthiness and cause emotional and financial distress. 
WRONG ADDRESSES REPORTED : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address is incorrect and does not belong to me. 

XXXX XXXX, XXXX, TX XXXX I have never lived at this address and it must be deleted. 
Under FCRA 607 ( B ), the credit bureaus are required to maintain maximum possible accuracy. Reporting these addresses creates confusion and a false association with unrelated accounts or identities. Please remove all above-listed incorrect addresses from my credit file immediately.

INACCURATE ACCOUNT REPORTING XXXX XXXX XXXX  High Balance : {$25000.00} | Date Opened : XX/XX/XXXXXXXX XXXX  Reported as Charged Off I have no record or knowledge of this account being charged off. This reporting is inaccurate and unverifiable. I am requesting full verification or deletion under FCRA 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXX High Balance : {$42000.00} | Date Opened : XX/XX/XXXXXXXX XXXX Reported as Charged Off I do not recognize this account as being in charge-off status. I demand proof of ownership, signed documentation, and payment history under FCRA 609 ( a ) ( 1 ) ( A ). If such verification can not be provided, this account must be deleted immediately. 

XXXX XXXX XXXX XXXXXXXX High Balance : {$19000.00} | Date Opened : XX/XX/XXXX | Reported as Charged Off I have no knowledge of this charge-off. This information is being reported falsely and must be removed unless verified with authentic documentation from the original creditor. 

XXXX XXXXXXXX High Balance : {$54000.00} | Date Opened : XX/XX/XXXX | Reported as Late Payment The late payment history is completely inaccurate. I have always made timely payments and there has never been any delinquency on this account. I am requesting the late payment notation be corrected to Pays as Agreed as required under FCRA 607 ( B ) and 611.

Legal Basis : Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate or incomplete information. The credit bureaus must conduct a reasonable reinvestigation within 30 days. Failure to verify or provide proof requires deletion of the item.

Under FDCPA 809 ( b ), collection agencies must provide proper validation of any alleged debt upon request. XXXX has failed to do so. 
Under FCRA 607 ( B ), credit bureaus must ensure maximum possible accuracy. Maintaining false addresses and unverified accounts is a violation of this requirement. 
Relief Requested : XXXX. Immediate deletion or correction of all inaccurate information listed above. 
XXXX. Written confirmation from all credit bureaus once the items are corrected or deleted. 
XXXX. Investigation into the reporting practices of the creditors and collectors mentioned, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXT, and XXXX. 
XXXX. Enforcement action if these furnishers are found in violation of FCRA or FDCPA. 
Supporting Documents : Copy of my government-issued ID Copy of recent utility bill or proof of address Copies of disputed credit reports highlighting the errors Certification : I certify that the information provided is true and correct to the best of my knowledge. 
Sincerely,

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