Consumer complaint received 2025-11-04 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 regarding the inaccurate and misleading information being reported on my consumer credit file. The credit bureaus and data furnishers have failed to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by continuing to report false information that does not belong to me, even after multiple attempts to have it verified and corrected. I have discovered a wrong address and an inaccurate account that has caused severe harm to my creditworthiness, resulting in financial damage, emotional distress, and violation of my consumer rights under federal law. 

ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX This address is being falsely reported and has no verified link to my identity or any account legally associated with me. Maintaining inaccurate identifying information after dispute violates FCRA 607 ( b ), which mandates maximum possible accuracy, and 611 ( a ) ( 1 ) ( A ), which requires proper reinvestigation. Failure to delete this unverifiable address shows negligent reinvestigation and noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is not connected to my personal, residential, or credit history, and reporting it as part of my file is a violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). Retaining previously disputed inaccurate personal information is willful noncompliance under 616 and 617. You are required to delete this unverifiable address immediately from my file. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX  Charge Off High Balance : {$1900.00} Date Opened : XX/XX/XXXX * * This account was reported as a charge-off, yet no proof of contract, payment history, or ownership validation has been provided. The continued reporting of this account without sufficient evidence violates FCRA 623 ( b ) ( 1 ) ( A ) and 607 ( b ). Any account lacking verifiable documentation must be deleted as unverifiable under 611 ( a ) ( 1 ) ( A ). No creditor has furnished proof that I am legally obligated to this account, making this report inaccurate and unlawful. 

XXXX XXXX XXXXXXXX XXXX Charge Off High Balance : {$430.00} Date Opened : XX/XX/XXXX * * This account continues to report inaccurate information and a false charge-off status. There is no documented proof of delinquency or signed authorization verifying this accounts validity. Under FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ), you are required to ensure all reported data is accurate and verifiable. The lack of supporting documentation shows that this information can not be verified and must be deleted to remain compliant with FCRA standards. 

XXXX XXXXXXXX XXXX Late Payment High Balance : {$18000.00} Date Opened : XX/XX/XXXX * * This account is reported with multiple late payments, yet no creditor documentation or payment ledger was provided to verify accuracy. Reporting incomplete or misleading payment data violates FCRA 607 ( b ) and 623 ( a ) ( 2 ). A failure to verify or correct inaccurate payment information after dispute demonstrates willful negligence under 616. If the creditor can not validate the history, this item must be deleted under 611 ( a ) ( 5 ) ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXX Collection High Balance : {$880.00} Date Opened : XX/XX/XXXX * * This account appears as a collection ; however, no proof of assignment, original creditor validation, or debt ownership has been shown. XXXX XXXX  can not legally report a debt without validation under FDCPA 809 ( b ) and FCRA 623 ( b ) ( 1 ) ( A ). Reporting this unverifiable collection after dispute is a violation of 607 ( b ) and 611 ( a ) ( 1 ) ( A ). Without proper proof of the debt, this collection must be permanently deleted. 

I am requesting immediate action and a full investigation into these violations. I demand that the CFPB hold the credit bureaus and data furnishers accountable for their noncompliance with federal law, require deletion of all inaccurate information, and ensure the correction of my credit profile to reflect true and verifiable data only. Failure to do so constitutes continued harm under federal consumer protection statutes, and I reserve my right to pursue additional remedies as permitted by law.

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