Consumer complaint received 2025-09-04 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 under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 regarding numerous inaccuracies and unauthorized activities on my credit report that are materially harming my financial standing XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is not associated with me and has been incorrectly reported. The presence of such false addresses can lead to mistaken identity, misapplied accounts, and inaccurate credit decisions. The repeated reporting of incorrect addresses violates FCRA Sections 602 and 611, which mandate accuracy and verification. I demand immediate investigation and correction. 
XXXXXXXX XXXX XXXX  XXXX, TX XXXX This address is incorrectly listed on my credit report. I have never lived here, and its reporting has contributed to confusion regarding my credit history. False address reporting can adversely affect lenders evaluation of my creditworthiness, resulting in loan denials and higher interest rates. FCRA Sections 602, 611, and 623 require accurate reporting, and I request prompt removal and written confirmation. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX This duplicate address has been reported erroneously. Duplicate or incorrect addresses can lead to misapplied negative account histories, delayed credit decisions, and undue stress. FCRA Sections 602 and 611 mandate that all reported information must be accurate and complete. Immediate correction and confirmation are requested. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$410.00} Issue : Late Payment I have never missed a payment on this account. Despite my consistent and timely payments, this account has been inaccurately reported as late. This false information has already caused increased stress, inquiries from potential lenders, and impacts my creditworthiness. Under FCRA Sections 602, 609, and 611, it is illegal to report inaccurate or unverifiable information. I demand immediate reinvestigation, deletion of this false late payment, and written confirmation. This repeated misreporting is not only damaging my credit profile but also constitutes negligent and deceptive reporting by the furnisher. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00} Issue : Late Payment I have always maintained timely payments on this account. This incorrect reporting has led to higher insurance premiums, denied credit applications, and emotional distress. Under FCRA Section 611 ( a ) ( 1 ), any disputed information must be investigated and corrected if found inaccurate. Reporting false late payments is a direct violation of federal consumer protection law. I demand immediate correction, removal of the false report, and documentation that this correction has been made. 
XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Issue : Charge Off Reporting duplicate accounts under different numbers is misleading, violates Sections 602, 611, and 623 of FCRA, and artificially inflates my total debt. This has caused denial of credit lines, higher interest rates, and significant reputational harm. I demand immediate investigation, removal of duplicate entries, and certification that these corrections have been completed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$330.00} Issue : Late Payment This late payment is false. I have consistently paid on time, and the report is damaging my credit score. FCRA Sections 602, 609, and 611 require accurate and verifiable information. The false report has caused repeated credit denials, stress, and unnecessary financial strain. Immediate removal and verification are requested. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$230.00} Issue : Charge Off I dispute this debt entirely. The reporting of this account without proper validation violates FCRA Sections 609 and 611. False charge offs are damaging my financial reputation, causing stress, and obstructing my ability to obtain credit. Immediate investigation and removal are required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7700.00} Issue : Charge Off Duplicate and inaccurate reporting of this account has inflated my perceived debt and led to credit denials, higher interest rates, and unnecessary stress. FCRA Sections 602, 609, 611, and 623 prohibit reporting unverifiable, inaccurate, or duplicate accounts. I request immediate reinvestigation and correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment This account has been falsely reported as late. I have consistently paid all obligations on time. The false reporting has already affected my credit score, caused difficulties in obtaining loans, and generated undue emotional distress. FCRA Sections 602, 609, and 611 require accurate and verifiable reporting, and any disputed item must be reinvestigated promptly. The continued reporting of this false late payment is damaging and unlawful. Immediate correction and documentation are demanded. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Reporting a late payment on a XXXX balance account without verification is false and harmful. This has affected my credit profile, caused stress, and hindered access to financial opportunities. FCRA Sections 609 and 611 require validation and reinvestigation of disputed accounts. I demand immediate removal and documentation of correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Issue : Charge Off This account has been inaccurately reported as charged off. The false report has caused multiple loan denials, increased interest rates, and undue financial and emotional distress. FCRA Sections 602, 609, 611, and 623 prohibit reporting inaccurate, unverifiable, or misleading information. Immediate investigation, correction, and written confirmation are required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Reporting late payments falsely, even for XXXX balance accounts, is misleading and damaging. FCRA Sections 602, 609, and 611 require accurate reporting. The incorrect report has caused stress, financial hardship, and potential credit denial. Immediate deletion and verification are requested. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Issue : Charge Off Reporting a charge off inaccurately violates FCRA Sections 609 and 611. The false report has harmed my ability to secure loans, damaged my financial reputation, and created unnecessary stress. Immediate correction or removal is required. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment I dispute this late payment entirely. False reporting violates FCRA Sections 609 and 611, and it has caused undue financial and emotional stress, affecting my ability to obtain credit. Immediate removal and confirmation are required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Issue : Charge Off Inaccurate reporting of this account as charged off has caused repeated credit denials, increased interest rates, and significant stress. FCRA Sections 602, 609, 611, and 623 mandate accurate, verifiable reporting. Immediate correction and written confirmation are demanded. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$860.00} Issue : Collection * * This account is inaccurately reported as a collection. I dispute the validity of this debt, as I have never received proper documentation. Reporting unverifiable or false collections violates FCRA Sections 602, 609, and 611. The false report has caused undue stress, prevented me from obtaining new credit, and led to higher interest rates on existing accounts. The emotional and financial toll of this reporting has been significant, and I demand immediate reinvestigation and deletion of this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$910.00} Issue : Collection * * Duplicate reporting of the same account is misleading and inflates my total perceived debt. This inaccurate information has caused loan denials, increased premiums, and undue stress. FCRA Sections 602, 611, and 623 prohibit duplicate and inaccurate reporting. The repeated misrepresentation of my financial obligations has disrupted my financial planning and caused severe emotional distress. Immediate correction and written confirmation are required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Issue : Collection * * This account has been reported without proper validation, which is false and misleading. Reporting unverifiable debts violates FCRA Sections 609 and 611. This false collection has harmed my credit score, affected my ability to secure loans, and caused emotional distress. The reporting of this account is negligent, misleading, and harmful, and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection * * This account has been inaccurately reported as a collection. The false reporting is causing repeated denials for credit applications, stress, and potential financial loss. FCRA Sections 602, 609, and 611 require accurate and verifiable information. Misreporting this account represents negligent and misleading practices that are harmful to consumers. Immediate correction and written confirmation are demanded. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Issue : Collection * * This account has been falsely reported as a collection without proper validation. FCRA Sections 602, 609, 611, and 623 mandate accurate, verifiable reporting. The false collection has caused repeated credit denials, financial hardship, and severe stress. Immediate correction, deletion, and written confirmation are requested. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} Issue : Collection * * This account is inaccurately reported as a collection. I dispute the validity and amount of this debt, as I have never received proper validation or notice. Reporting unverifiable or false collections violates FCRA Sections 602, 609, and 611. The false collection has caused repeated credit denials, increased interest rates, emotional stress, and financial disruption. Immediate investigation, correction, or deletion is required. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry This hard inquiry was conducted without my explicit authorization. FCRA Sections 604 ( a ) ( 3 ) and 605 ( a ) prohibit unauthorized inquiries. The inquiry has negatively affected my credit score, limited access to credit, and caused emotional distress. Immediate removal and written confirmation are required. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry This hard inquiry was conducted without my consent, violating FCRA Sections 604 ( a ) ( 3 ) and 605 ( a ). Unauthorized inquiries negatively impact credit scores and limit access to future credit. I request immediate removal and written confirmation of the action taken. 
The repeated reporting of incorrect addresses and unauthorized inquiries has resulted in denied credit, inflated interest rates, and a negative impact on my overall financial health. I demand immediate investigation, removal of all inaccuracies, and written confirmation of resolution within the 30-day timeframe mandated by FCRA 611 ( a ) ( 1 ) I also reserve the right to seek all legal remedies available under FCRA and related consumer protection statutes if these issues are not fully corrected I expect urgent action on this matter and require a full resolution to prevent ongoing harm to my credit and personal finances

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