Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this formal complaint against Experian for continued reporting of inaccurate and harmful information on my credit report despite multiple attempts to correct these errors. These include the reporting of a completely inaccurate address, numerous charge-offs, late payments, and collections that are not verified or are reporting incorrectly. This has had a damaging effect on my creditworthiness, ability to secure housing and employment, and has caused me significant emotional and financial distress. 
XXXX XXXXXXXX XXXX XXXX XXXXE, TX XXXX Wrong Address Issue : I have never resided at or been associated with this address. 
Law : FCRA Section 607 ( b ) requires Experian to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. 
This address is completely unfamiliar to me. Its presence on my report has led to automatic rejections in credit applications due to mismatched personal information. It is unacceptable for Experian to allow such inaccurate address data to continue damaging my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This account is inaccurately reported as a charge off with a high balance of {$2500.00}. 
Law : FCRA 623 ( a ) ( 1 ) ( A ), FCRA 611 ( a ), FDCPA Section 807 ( 8 ).

I have attempted to resolve this account and was never given a proper debt validation. Reporting this as a charge-off without verifying the balance or providing proper dispute resolution has caused ongoing denials and credit score drops. 
XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX Issue : This account was paid and should not be reporting as charged off. 
Law : FCRA 607 ( b ), 623 ( a ) ( 2 ).

Despite resolving this debt, Experian continues to list it as charged off. I am being unfairly penalized for an account that was settled responsibly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payments are reported inaccurately. 
Law : FCRA Section 623 ( a ) ( 1 ) ( A ), 607 ( b ).

I never missed payments on this account on the reported dates. This error is hurting my payment history, which is a key factor in my XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Issue : Reported late payments are inaccurate. 
Law : FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ).

This XXXX XXXX account does not reflect any missed payments on my side. The reporting is harming my reputation with lenders and does not align with the actual account statements I hold. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Wrongly reported late payment of {$340.00}. 
Law : FCRA Section 623 ( b ) ( 1 ), 607 ( b ).

This is a case of mistaken reporting. I have attempted to resolve this directly and was ignored. My credit score has taken an unjust hit due to this false record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate payment history. 
Law : FCRA 607 ( b ), 623 ( a ).

I have no knowledge of this late payment entry. Experian failed to validate this and continues to report it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate listing with same account number. 
Law : FCRA Section 611 ( a ) ( 5 ), 623 ( a ).

This account appears multiple times with different balances and dates. This is a violation of reporting rules and artificially inflates my negative credit history. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Unfamiliar account, not mine. 
Law : FCRA 602 ( a ), 605 ( b ), 611 ( a ).

I have never done business with XXXX XXXX. I requested validation and never received it. Reporting this without confirmation violates my rights and places fraudulent data on my credit. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Inaccurate reporting, no validation provided. 
Law : FDCPA 809 ( b ), FCRA 623 ( b ).

This debt was disputed directly and no proof of ownership or balance was returned. This reporting is inaccurate and abusive. 
XXXX  XXXX ( Multiple Accounts ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Issue : Excessive, duplicate, and unverifiable reporting of multiple XXXX  accounts. 
Law : FCRA 623 ( a ) ( 5 ), FCRA 605 ( a ), FDCPA Section 807.

This kind of reporting shows a pattern of predatory furnishing. Many of these are micro-loans reported as charged off within short time spans without notice or verification. It gives the appearance of serial defaulting, which is not true. This damages my ability to secure reasonable financial services and causes misleading creditworthiness analysis. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This debt is inaccurate and never validated. 
Law : FDCPA 809 ( b ), FCRA 611 ( a ).

The collection agency has not supplied proper documentation despite requests. Reporting a debt that cant be validated violates consumer protection laws and is deceptive. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This account should not be charged off. 
Law : FCRA 623 ( a ) ( 1 ) ( B ), 607 ( b ).

Payments were made and dispute was ignored. Experians reporting fails to reflect accurate, up-to-date data and is misleading creditors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Utility account wrongly charged off. 
Law : FCRA 623 ( a ), 607 ( b ), FDCPA 807.

This was a billing dispute with XXXX XXXX, not a refusal to pay. Experian never confirmed liability before listing this as a charge-off. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Account reported charged off at {$30000.00} with no resolution or supporting documents. 
Law : FCRA 611, 623 ( b ), FDCPA 809 ( b ).

The amount and status are highly questionable. This is a large figure being reported as charged off without clear evidence, creating immense harm in my financial profile and confidence from lenders. 
XXXX XXXX XXXX XXXX XXXX Collection * * Issue : Debt is unverified and being aggressively reported. 
Law : FDCPA 809, FCRA 607 ( b ), 623 ( b ) ( 1 ).

XXXX XXXX XXXX has been known for questionable practices, and this entry on my credit file lacks any supporting detail. Its presence is lowering my score unfairly. 
I demand that Experian conduct a thorough reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), remove or correct these errors, and cease reporting unverifiable or inaccurate information. The continued inclusion of false information despite prior disputes indicates willful negligence or systemic failure, for which I am seeking enforcement action.

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