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 dispute under the Fair Credit Reporting Act ( FCRA ) Sections 601, 602, 607, 609, and 611. The following items on my credit report are inaccurate, misleading, and unverified. They are damaging my credit profile and misrepresenting my financial history. I request a full reinvestigation of each item listed below, with removal or correction of any unverifiable or incorrect information. 
Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported inaccurately. FCRA Sections 602 and 611 require deletion of information that can not be verified. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect, unverifiable. Section 611 mandates deletion of false information. 
Account : XXXX XXXX XXXXXXXX XXXX  High Balance : {$270000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX Inaccurately reported. Section 611 of the FCRA requires deletion of unverifiable late payments and reinvestigation of disputed items. 
Account : XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Late Payment * * Reported incorrectly, violates Section 611. 
Account : XXXX XXXXXXXX High Balance : {$510.00} Date Opened : XX/XX/XXXX Charge Off * * False charge-off. FCRA Section 611 ( a ) mandates reinvestigation and deletion if unverifiable. 
Account : XXXX XXXXXXXX High Balance : {$480.00} Date Opened : XX/XX/XXXX Charge Off * * Reported in error, Section 611 requires removal. 
Account : XXXX XXXX XXXX High Balance : {$470.00} Date Opened : XX/XX/XXXX Charge Off * * Unverifiable and damaging. Section 611 ( a ) mandates deletion. 
Account : XXXXXXXX XXXX XXXXXXXXXXXX XXXX  High Balance : {$460.00} Date Opened : XX/XX/XXXX Charge Off * * Incorrectly reported, violates Section XXXX. 
Account : XXXX XXXXXXXX XXXX XXXX  High Balance : {$390.00} Date Opened : XX/XX/XXXX Charge Off * * Inaccurate, unverifiable. Section 611 ( a ) requires removal. 
Account : XXXX XXXXXXXXXXXX XXXX  High Balance : {$750.00} Date Opened : XX/XX/XXXX Charge Off * * False reporting, Section 611 mandates reinvestigation. 
Account : XXXX XXXX  High Balance : {$1400.00} Date Opened : XX/XX/XXXX Charge Off * * Inaccurate. FCRA Section 611 ( a ) applies. 
Account : XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Late Payment * * Reported falsely. Section 611 ( a ) violation. 
Account : XXXX XXXX * High Balance : {$930.00} Date Opened : XX/XX/XXXX Charge Off * * FCRA Section 611 requires reinvestigation and removal of unverifiable charge-offs. 
Account : XXXX XXXX XXXX High Balance : {$630.00} Date Opened : XX/XX/XXXX Charge Off * * Inaccurate and damaging, Section 611 ( a ) violation. 
Account : XXXX XXXX XXXX XXXXXXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Charge Off * * Reported incorrectly, Section 611 requires deletion. 
Account : XXXX XXXX XXXX  High Balance : {$610.00} Date Opened : XX/XX/XXXX Charge Off * * False reporting, Section 611 mandates reinvestigation. 
Account : XXXX XXXX XXXXXXXX XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Late Payment * * Inaccurate late payment, violates Section 611 ( a ). 
Account : XXXX XXXX XXXX XXXX XXXX  High Balance : {$2100.00} Date Opened : XX/XX/XXXX Late Payment * * Reported multiple times, unverifiable, Section 611 violation. 
Account : XXXX XXXX XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX Charge Off * * Falsely reported, Section 611 ( a ) requires reinvestigation and deletion. 
Account : XXXX XXXXXXXX XXXX  High Balance : {$4100.00} Date Opened : XX/XX/XXXX Charge Off * * Falsely reported, unverifiable charge-off. Under FCRA Section 611 ( a ), I demand reinvestigation and deletion of this inaccurate information. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$28000.00} Date Opened : XX/XX/XXXX Charge Off * * Inaccurate reporting of a charge-off. Section 611 ( a ) requires removal if unverifiable. 
Account : XXXX XXXX High Balance : {$30000.00} Date Opened : XX/XX/XXXX Late Payment * * Reported incorrectly, violates FCRA Section 611 ( a ) because it is inaccurate and unverifiable. 
Account : XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$32000.00} Date Opened : XX/XX/XXXX Late Payment * * Inaccurate late payment, Section 611 ( a ) mandates reinvestigation and deletion. 
Account : XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$480.00} Date Opened : XX/XX/XXXX Collection * * Reported falsely, unverifiable. FCRA Section 611 ( a ) applies. 
Account : XXXX XXXX XXXX XXXX High Balance : {$370.00} Date Opened : XX/XX/XXXX Collection * * Inaccurate collection, Section 611 ( a ) requires deletion. 
Account : XXXX XXXX XXXX XXXX XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX Collection * * False reporting, Section 611 ( a ) mandates reinvestigation and removal. 
Account : XXXX XXXXXXXX XXXX XXXX High Balance : {$6500.00} Date Opened : XX/XX/XXXX Collection * * Inaccurately reported collection, Section 611 ( a ) requires reinvestigation and deletion. 
Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$1400.00} Date Opened : XX/XX/XXXX Collection * * Falsely reported, unverifiable. Section 611 ( a ) of FCRA applies. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$610.00} Date Opened : XX/XX/XXXX Collection * * Reported inaccurately, Section 611 ( a ) requires deletion. 
Account : XXXX XXXX XXXX XXXX  High Balance : {$630.00} Date Opened : XX/XX/XXXX Collection * * FCRA Section 611 ( a ) mandates reinvestigation of this false and unverifiable collection. 
Account : XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Collection * * Inaccurate reporting, Section 611 ( a ) requires removal. 
Account XXXX XXXX XXXX XXXX  High Balance : {$930.00} Date Opened : XX/XX/XXXX Collection * * Falsely reported collection, Section 611 ( a ) applies. 
Account : XXXX XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection * * Inaccurate, unverifiable. Section 611 ( a ) mandates deletion. 
Account : XXXX XXXX XXXX XXXX High Balance : {$510.00} Date Opened : XX/XX/XXXX Collection * * Reported falsely, Section 611 ( a ) requires reinvestigation. 
Account : XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$750.00} Date Opened : XX/XX/XXXX Collection * * FCRA Section 611 ( a ) mandates removal of this inaccurate collection. 
Account : XXXXXXXX XXXX XXXX XXXX High Balance : {$930.00} Date Opened : XX/XX/XXXX Collection * * Inaccurately reported, unverifiable. Section 611 ( a ) applies and requires deletion. 
Account : XXXX XXXX XXXX XXXX  High Balance : {$630.00} Date Opened : XX/XX/XXXX Collection * * Falsely reported collection, unverifiable. Under FCRA Section 611 ( a ), I demand reinvestigation and deletion. 
Account : XXXXXXXX XXXX XXXX High Balance : {$610.00} Date Opened : XX/XX/XXXX Collection * * Inaccurate collection reporting violates Section 611 ( a ) of the FCRA and must be removed. 
Account : XXXXXXXX XXXX XXXX XXXX High Balance : {$6500.00} Date Opened : XX/XX/XXXX Collection * * Reported incorrectly, unverifiable ; Section 611 ( a ) requires immediate reinvestigation and deletion. 
Account : XXXX XXXX XXXX High Balance : {$480.00} Date Opened : XX/XX/XXXX Collection * * Inaccurate, violates FCRA Section 611 ( a ), must be deleted. 
Account : XXXX XXXX XXXX High Balance : {$510.00} Date Opened : XX/XX/XXXX Collection * * Falsely reported, unverifiable, Section 611 ( a ) mandates removal. 
Account : XXXX XXXX XXXX High Balance : {$750.00} Date Opened : XX/XX/XXXX Collection * * Inaccurate reporting, Section 611 ( a ) requires reinvestigation and deletion. 
Account : XXXX XXXX XXXX High Balance : {$370.00} Date Opened : XX/XX/XXXX Collection * * FCRA Section 611 ( a ) applies, reporting is false and must be removed. 
Account : XXXXXXXX XXXX XXXX XXXX  High Balance : {$680.00} Date Opened : XX/XX/XXXX Collection * * Inaccurate reporting, Section 611 ( a ) mandates reinvestigation and deletion. 
Account : XXXX XXXX XXXX High Balance : {$490.00} Date Opened : XX/XX/XXXX Collection * * Falsely reported, unverifiable, Section 611 ( a ) applies and deletion is required. 
Account : XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Collection * * Reported incorrectly, Section 611 ( a ) mandates immediate reinvestigation and removal. 
XXXX : XXXX XX/XX/XXXX Unauthorized hard inquiry, Section 604 ( a ) ( 3 ) FCRA violation ; must be removed. 
XXXX : XXXX XXXX XX/XX/XXXX Unauthorized, Section 604 ( a ) ( 3 ) applies ; deletion required. 
XXXX : XXXX XXXX XX/XX/XXXX Duplicate unauthorized inquiry ; Section 604 ( a ) ( 3 ) mandates removal. 
XXXX : XXXX XXXXXX/XX/XXXX Unauthorized, Section 604 ( a ) ( 3 ) FCRA violation. 
XXXX : XXXX XX/XX/XXXX Unauthorized inquiry ; FCRA Section 604 ( a ) ( 3 ) applies. 
XXXX : XXXX XX/XX/XXXX Unauthorized, Section 604 ( a ) ( 3 ) violation ; must be deleted. 
XXXX : XXXX XXXXXX/XX/XXXX FCRA Section 604 ( a ) ( 3 ) violation ; unauthorized, removal required. 
XXXX : XXXX XXXX XX/XX/XXXX Unauthorized inquiry ; Section 604 ( a ) ( 3 ) applies. 
Inquiry : XXXX XXXX XX/XX/XXXX FCRA Section 604 ( a ) ( 3 ) violation ; unauthorized, deletion required. 
XXXX : XXXX XXXX XX/XX/XXXX Unauthorized, Section 604 ( a ) ( 3 ) mandates removal. 
XXXX : XXXX XXXX XX/XX/XXXX Unauthorized inquiry, Section 604 ( a ) ( 3 ) violation. 
XXXX : XXXX XXXXXX/XX/XXXX FCRA Section 604 ( a ) ( 3 ) applies ; unauthorized, must be removed. 
XXXX : XXXX XXXX XX/XX/XXXX Unauthorized inquiry ; Section 604 ( a ) ( 3 ) violation. 
Inquiry : XXXX XXXX XX/XX/XXXX Unauthorized, FCRA Section 604 ( a ) ( 3 ) mandates deletion. 
XXXX : XXXX XXXX XXXXXX/XX/XXXX Duplicate unauthorized inquiry ; Section 604 ( a ) ( 3 ) applies. 
XXXX : XXXX XXXX XX/XX/XXXX Unauthorized inquiry, Section 604 ( a ) ( 3 ) violation ; deletion required. 
I request that all unverifiable, inaccurate, or misleading information be fully reinvestigated, corrected, or deleted as required under FCRA law. Each item listed above violates Sections 609 and 611 if left unverified. I request the credit bureau to provide written confirmation of any deletions or corrections completed

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