Consumer complaint received 2025-09-06 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 under the Fair Credit Reporting Act ( FCRA ) Sections 601, 602, 607, 609, and 611. Multiple inaccurate, unverifiable, and misleading items are being reported on my credit file, causing serious harm to my creditworthiness and misrepresenting my financial history. I request an immediate and thorough reinvestigation of all items listed below and correction or deletion of any information that can not be verified. 
Address : XXXX XXXX XXXX, TX XXXX This address is not associated with me. Under FCRA Section 611 ( a ) ( 1 ), consumer reporting agencies must maintain accurate information and conduct reasonable investigations. Reporting this wrong address falsely represents my residence history, creating confusion with creditors and negatively impacting my credit reliability. 
Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is inaccurate. Section 609 ( a ) ( 1 ) provides the right to verification of personal data. Reporting this unverified address misleads lenders and unfairly damages my credit profile. 
Account : XXXX XXXX XXXX XXXX XXXX, High Balance : {$1900.00}, Date Opened : XX/XX/XXXX, Charge OfXXXX XXXX XXXX  This charge-off is inaccurate. FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) require verification of disputed accounts. Reporting this item falsely portrays delinquency and negatively affects my ability to obtain credit. 
Account : XXXX XXXXXXXX, High Balance : {$150.00}, Date Opened : XX/XX/XXXX, Late Payment This late payment is incorrect. Under Section 611 ( a ), unverifiable or inaccurate information must be corrected or removed. Its inclusion misrepresents my payment behavior and harms my financial reputation. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$27000.00}, Date Opened : XX/XX/XXXX, Late Payment * * This reported late payment is inaccurate. FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ) require reinvestigation of disputed information. Reporting this falsely damages my creditworthiness. 
Account XXXX XXXX XXXX XXXX XXXX XXXX, High Balance : {$18000.00}, Date Opened : XX/XX/XXXX, Collection * * This collection is not mine and can not be verified. Section 611 ( a ) mandates removal of unverifiable items. Its reporting misrepresents my financial reliability and creates undue harm to my credit profile. 
Account : XXXXXXXX XXXX XXXX XXXX High Balance : {$6900.00}, Date Opened : XX/XX/XXXX, Collection * * This account is inaccurate. Sections 609 and 611 mandate deletion of unverifiable items. Its reporting damages my credit profile and misleads lenders. 
Account : XXXX XXXX XXXX XXXX High Balance : {$1000.00}, Date Opened : XX/XX/XXXX, Collection * * This collection account is unverified. FCRA Section XXXX ( a ) requires correction or removal. Its reporting falsely indicates delinquency and negatively impacts my financial standing. 
Account : XXXX XXXX XXXXXXXX XXXX XXXX, High Balance : {$710.00}, Date Opened : XX/XX/XXXX, Collection * * This collection account is inaccurate. Sections 609 ( a ) ( 1 ) and 611 ( a ) require removal of unverifiable information. Reporting this item falsely suggests delinquency and damages my financial standing.

Inquiry : XXXX XXXX This inquiry was made without my authorization. Section 604 ( a ) of the FCRA requires permissible purpose. Reporting unauthorized inquiries misrepresents my credit activity and may negatively influence credit decisions.

Inquiry : XXXX XX/XX/XXXX This inquiry is unauthorized. Section 604 ( a ) mandates that inquiries be made only with my consent. Its reporting inaccurately portrays credit-seeking behavior and adversely affects my credit profile.

I demand immediate reinvestigation of all disputed items and deletion of any inaccurate, unverifiable, or misreported information. These errors misrepresent my financial history and harm my credit standing. I expect all corrections to be completed promptly under the FCRA.

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