Consumer complaint received 2025-09-17 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 formal complaint against several furnishers and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my credit reports. These errors are severely damaging my creditworthiness and are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Issues in My Credit Report : Wrong Address Reporting XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Address These addresses do not belong to me and must be removed immediately. 

Accounts with Late Payments/ Charge-Offs/ Collections ( Inaccurate or Unverified ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$250.00} Opened XX/XX/XXXX Reported Late Payment XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$350.00} Opened XX/XX/XXXX Reported Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$0.00} Opened XX/XX/XXXX Reported Charge-Off XXXX XXXX XXXX XXXX XXXX High Balance {$26000.00} Opened XX/XX/XXXX Reported Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$25000.00} Opened XX/XX/XXXX Reported Charge-Off XXXX XXXX XXXX XXXX XXXX High Balance {$11000.00} Opened XX/XX/XXXX Reported Charge-Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance {$21000.00} Opened XX/XX/XXXX Reported Charge-Off XXXX XXXX XXXX XXXX XXXX High Balance {$3100.00} Opened XX/XX/XXXX Reported Collection XXXX XXXX XXXXXXXX XXXX High Balance {$770.00} Opened XX/XX/XXXX Reported Collection XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$680.00} Opened XX/XX/XXXX Reported Collection XXXX XXXX XXXX XXXX XXXX  High Balance {$390.00} Opened XX/XX/XXXX Reported Collection XXXX  XXXX XXXX XXXX XXXX XXXX High Balance {$350.00} Opened XX/XX/XXXX Reported Collection Many of these accounts are either not mine, unverifiable, or reported inaccurately. Under the FCRA, furnishers and reporting agencies are required to conduct proper investigations. 

Unwarranted Hard Inquiries XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX These inquiries were made without my authorization and are causing further damage to my credit. 

Legal Basis of My Complaint : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate, incomplete, or unverifiable information. The continued reporting of these errors violates : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681s-2 ( b ) : Furnishers duty to report accurate information and correct errors.

15 U.S.C. 1681e ( b ) : Obligation of credit bureaus to maintain maximum possible accuracy.

Requested Resolution : I respectfully request the CFPB to investigate these violations and ensure that the following corrective actions are taken immediately : Remove all inaccurate addresses that do not belong to me. 

Delete or correct all inaccurate accounts that are unverifiable, misreported, or not mine. 

Remove unauthorized hard inquiries that I did not initiate or approve. 

Provide me with a written confirmation once these corrections have been made.

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