Consumer complaint received 2025-08-11 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding multiple false, inaccurate, incomplete, and unverifiable items being reported on my credit file by several furnishers and credit reporting agencies ( CRAs ). These inaccuracies have severely impacted my creditworthiness, caused financial harm, and violated my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and CFPB regulations. 
XXXX XXXX XXXX XXXX TX XXXX Wrong Address Issue : This address is a post office box that I have never rented, visited, or authorized as my mailing location. 
Law : Under FCRA 1681e ( b ), consumer reporting agencies must maintain maximum possible accuracy and remove unverifiable data.

Story : The continuous appearance of this address in my file is highly misleading. It creates a false identity trail and increases the likelihood of debt collectors or fraudulent accounts being linked to me. I have verified with USPS that I have never held a XXXX XXXX at this location. Allowing this false address to remain suggests negligence in your verification process and could lead to financial loss, missed opportunities, and reputation damage. 

XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Wrong Address Issue : I have never lived at or been associated with this apartment. 
Law : FCRA XXXX and XXXX prohibit maintaining mixed file data, where information from XXXX consumer appears in anothers report. 
XXXX : This error likely arose from a similar name match with another individual. Including an unrelated residential address creates suspicion of instability to potential lenders. I have no lease, utility bill, drivers license update, or XXXX mail record tied to this location. Past reports show such errors can cause bank account denials, increased interest rates, or false collection activity all unfair consequences to an innocent consumer. 

XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$720.00} | Late Payment ISSUE : The reported late payments are inaccurate and have been reported without sufficient verification. No valid documents or records have been provided despite my request. 
LAW : Under Fair Credit Reporting Act ( FCRA ) 609 ( a ), I have the right to a full disclosure of the information in my file and its source. Under 611 ( a ), if the information can not be verified, it must be deleted immediately. 
STORY : I opened this account in XXXX and during the XXXX lockdown there were banking system delays, not due to my negligence. Still, the bureau reported late payments without any notice, causing unfair damage to my credit score. 

XXXX XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$720.00} | Late Payment ISSUE : No validation documents have been provided to support the late payment entries. 
LAW : Under FCRA 611 ( b ), the bureau must verify or delete disputed information. This process was not followed. 
STORY : In XXXX, a bank error caused a payment delay, which I corrected within XXXX hours. Despite this, the account is still showing a late payment. 

XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$720.00} | Late Payment ISSUE : Mismatch between reported dates and payment records. No notice was sent by the furnisher. 
LAW : Under Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), written notice must be sent within 5 days of initial communication. 
STORY : Despite making on-time payments, due to internal errors and communication lapses, this account has unjust late payment entries that are unverifiable. 

XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$160.00} | Collection ISSUE : No debt validation letter or original creditor details have been provided. 
LAW : Under FDCPA 809 ( b ), no collection activity is valid without providing the debt validation letter. 
STORY : I have never incurred this debt and have no knowledge of its origin. This may be a case of mixed file or mistaken identity. 

XXXX XXXXXXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$0.00} | Late Payment ISSUE : Reported late payment despite {$0.00} balance. 
LAW : Under FCRA 623 ( a ) ( 2 ), furnishers must correct inaccurate information. 
STORY : This account was closed with no money owed, yet it is still shown as a negative item, which is misleading and harmful. 

XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$120.00} | Late Payment ISSUE : No documentation provided to validate the late status. 
LAW : Under FCRA 611 ( a ) ( 1 ), inaccurate information must be removed immediately. 
STORY : An online payment portal glitch delayed the transaction, not my fault. This error was wrongfully marked as a late payment. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$0.00} | Late Payment ISSUE : Identity mismatch I have no connection to this account. 
LAW : Under FCRA 602A, bureaus must ensure that only accurate consumer information is reported. 
STORY : This appears to be another person 's account wrongly added to my file. 

XXXX  XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | High Balance : {$0.00} | Collection ISSUE : No validation letter provided; suspicious collection entry. 
LAW : Under FDCPA 809 ( b ), disputed information without validation must be deleted. 
STORY : This collection account is questionable and possibly fraudulent. 

XXXX XXXX XXXX  XXXX | Date Opened : XX/XX/XXXX | High Balance : {$0.00} | Collection ISSUE : Entirely invalid collection entry. 
XXXX : Under both FDCPA & FCRA, unverifiable accounts must be removed. 
STORY : No debt details or original creditor information found, indicating a false claim. 

XXXX XXXX XXXX Acct # XXXX Date Opened XX/XX/XXXX High Balance {$0.00} Status : Charge Off Issue : A charge-off with {$0.00} balance indicates either an error or settlement, making the derogatory mark misleading. 
Law : FCRA 623 ( a ) prohibits incomplete credit reporting that creates a false impression. 
Story : If there is no amount due, the account should be reported as Paid/Closed instead of Charge Off. This is an unfair reporting practice. 

XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX Date Opened XX/XX/XXXX High Balance {$0.00} Status : Charge Off Issue : This account shows charge-off without any evidence of debt or missed payments. 
Law : FDCPA 807 ( 2 ) prohibits false representation of debt status. 
Story : I have requested documentation from the furnisher but they have never responded. This makes this entry unverifiable and in violation of my rights. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry made without agreement. 
Law : Under the FCRA, prior consent is mandatory. 
Story : This inquiry poses a direct threat to my financial security. 

XXXX XXXXXXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : Unauthorized inquiries are entirely unlawful. 
Story : My data was used without my consent. 

XXXX XXXX XX/XX/XXXX Issue : Inquiry conducted without permission.

Law : Under the FCRA, any inquiry without authorization must be removed. 
Story : I formally dispute this inquiry. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : Fair Credit Law mandates prevention of unauthorized inquiries. 
Story : This inquiry is harming my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX : Unauthorized inquiry. 
Law : According to the FCRA, inquiries without permission are illegal. 
Story : I am disputing this inquiry. 

XXXX XXXX XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : Prior approval is required for inquiries.

Story : This inquiry was made without my consent. 

XXXX XXXX XXXX CO XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : Under the FCRA, prior consent is mandatory. 
Story : I never authorized this inquiry. 

XXXX XX/XX/XXXX Issue : Unauthorized inquiry. 
Law : The Fair Credit Reporting Act prohibits inquiries without permission. 
Story : I dispute this inquiry. 
Demand for Immediate Action : Harm Caused and Legal Demand The above errors are not isolated but part of a pattern of willful disregard for accuracy and consumer rights. These violations have : Lowered my credit score significantly. 
Caused loan denials and higher interest rates. 
Damaged my reputation with lenders and potential employers. 
Under FCRA 616, 617, I am entitled to actual, statutory, and punitive damages for willful or negligent noncompliance. I request that the CFPB take immediate enforcement action against the furnishers and CRAs to : 1. Delete the inaccurate addresses from my credit file.

2. Remove the unverifiable and incorrect accounts.

3. Ensure full compliance with FCRA and FDCPA going forward.

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