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:
I am submitting this complaint against multiple furnishers, collection agencies, and credit reporting agencies for knowingly reporting false, outdated, unverifiable, and inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and other applicable laws. These errors have caused me severe financial and emotional harm, denial of credit, and damage to my personal and professional reputation. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : This address is completely inaccurate. I have never lived here, received mail here, or been associated with this property in any way. 
Law : FCRA 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure maximum possible accuracy. Reporting this false address is a direct violation. 
Story : Because this address appears on my credit file, lenders have questioned my identity, suspected possible fraud, and in some cases denied my applications for credit and housing. This has forced me to repeatedly explain to creditors that I have no connection to this location. It has also made me fearful of identity theft, as I do not know how my name became associated with this address. The time and emotional energy spent disputing this has disrupted my work and personal life. I demand immediate deletion from all credit bureau records. 
XXXX XXXX XXXX, TX XXXX Issue : This is another false address that has never been associated with me. 
Law : FCRA 611 and 607 ( b ) require consumer data to be accurate and verifiable.

Story : This address has caused confusion during credit applications, where Ive been asked to confirm previous residences that I have never heard of. This creates suspicion that my identity has been compromised. I have lost credibility with lenders and suffered emotional distress, as these false addresses suggest possible fraudulent activity. My reputation and financial security are at risk. I demand its immediate removal. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$480.00} Chargeoff * * Issue : This account is inaccurately reported as a charge-off without proper validation.

Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing known inaccurate information ; FDCPA 15 U.S.C. 1692g requires validation before reporting.

Story : I have never received any original s
igned contract or clear proof that this account belongs to me. The reporting of a charge-off has significantly reduced my credit score, causing credit card issuers to lower my available limits and deny me new applications. This has created financial instability and made it difficult to manage emergencies. I have had to explain this false debt to potential landlords, which has been humiliating and stressful. I demand complete deletion of this entry. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX High Balance : {$730.00} Chargeoff * * Issue : This charge-off is reported inaccurately, and I dispute the validity of the debt.

Law : FCRA 607 ( b ) requires reasonable procedures for maximum possible accuracy.

Story : This false derogatory account has made me appear as a high-risk borrower, resulting in loan rejections and much higher interest rates on the few loans I could obtain. It has caused financial setbacks, forcing me to pay hundreds of dollars more in interest over time. This is an unjust penalty based on information that has not been verified and should be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$2800.00} Late Payment * * Issue : Late payments are reported inaccurately and without proper verification.

Law : FCRA 623 ( a ) and 611 ( a ) require investigation of disputed information. 
Story : These alleged late payments have damaged my reputation with lenders, making it harder for me to get fair credit terms. The inaccurate payment history has been used against me when applying for auto financing, causing me to lose a vehicle purchase opportunity. This error has created emotional strain and has wasted my time disputing something that should never have been reported inaccurately in the first place. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$25000.00} Late Payment * * Issue : This account shows unverified late payments. 
Law : FCRA 607 ( b ) and 623 ( a ) apply ; creditors must ensure accuracy. 
Story : Because of these false late payment entries, I have been denied refinancing options that could have lowered my monthly payments and improved my financial stability. This has trapped me in a higher interest loan, costing me thousands of dollars over the years. The reporting of false payment data is not only inaccurate but financially devastating. I demand immediate correction or deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1600.00} Collection * * Issue : This collection account is unverified and possibly linked to identity theft. 
XXXXaw : FDCPA 809 ( b ) and FCRA 611 ( a ) require validation before reporting.

Story : I have never been no
tified of this alleged debt, and its sudden appearance has caused my credit score to drop dramatically. This has prevented me from being approved for a mortgage and delayed my ability to secure stable housing. The emotional distress from seeing false debts appear is severe, and I fear continued damage to my creditworthiness if this is not deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1300.00} Collection * * Issue : This account is not mine. 
Law : FCRA 607 ( b ) and FDCPA 809 ( b ) apply.

Story : Having a strangers debt attached to my profile has caused lenders to treat me as a delinquent borrower, resulting in denials for basic financial services. This is damaging to both my financial future and personal reputation. 
XXXX Account # XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} Collection * Issue : Unverified collection account. 
Law : FDCPA 809 ( b ) and FCRA 611 apply.

Story : This account has not been validated, yet it continues to harm my credit profile. Because of it, I have been turned away from multiple housing applications, leaving me with fewer and more expensive rental options. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$500.00} Collection * * Issue : Inaccurate, unverified debt. 
Law : FDCPA and FCRA require validation.

Story : This collection has made it impossible for me to qualify for competitive credit cards, forcing me to rely on predatory lending products with extreme fees. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$880.00} Collection * * Issue : Disputed as unverified. 
Law : FCRA 611 applies.

Story : This entry is damaging my creditworthiness, preventing me from moving forward with financial goals such as purchasing a home. 
RESOLUTION REQUESTED I demand the CFPB investigate these violations, compel furnishers and credit bureaus to : Remove all inaccurate addresses Delete unverifiable and duplicate accounts Remove all unauthorized hard inquiries Provide me with written proof of validation for any remaining accounts Failure to comply should result in regulatory enforcement and possible penalties under FCRA 616 and 617.

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