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:
To Whom It May Concern I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies on my credit report that are materially harming my creditworthiness, causing financial and emotional distress, and misrepresenting my financial history. These inaccuracies include falsely reported collections, unauthorized inquiries, and misreported account information, which violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable federal and state laws. 
Incorrect Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX This address has never been associated with me. Its inclusion on my credit report is entirely false and misleading. The incorrect address has caused confusion with lenders, prevented loan approvals, and created questions about my identity. I have never resided, conducted business, or authorized any activity at this location. This misreporting violates FCRA Sections 609, 611, and 623 and must be corrected immediately to prevent further damage to my credit profile and personal reputation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX This address is also incorrectly associated with me. I have never lived, rented, or conducted financial transactions from this property. Its presence on my credit report contributes to inaccurate records of my residency and may expose me to potential identity fraud. Immediate removal is demanded under applicable law to ensure accurate reporting and to prevent ongoing harm to my creditworthiness. 
Account Disputes XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$130.00} Charge Off This account is incorrectly reported as a charge-off. I have maintained timely payments and have never defaulted. The false charge-off reporting has caused my credit score to drop significantly, resulted in the denial of credit applications, and increased financial stress. I possess statements and records proving all payments were made on time. Misreporting this account without validation constitutes a clear violation of FCRA Section 623. I demand immediate investigation, correction, or deletion of this entry. 
XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$220.00} Charge Off This account has been inaccurately reported as a charge-off. I dispute the validity of this claim and have documentation verifying proper payment history. Reporting this charge-off is materially harmful as it misrepresents my payment reliability and damages my credit reputation. The false report affects my ability to obtain loans, rent property, and engage in normal financial activity. Verification must be provided immediately under FCRA Section 611. 
XXXX  XXXX XXXX Date opened : XX/XX/XXXX Original balance : {$53.00} Late Payment The reported late payment is false. I have maintained timely payment records that contradict this reporting. The incorrect notation is negatively impacting my credit score and has led to higher interest rates, denied credit applications, and undue stress. This inaccurate reporting misrepresents my financial responsibility and constitutes a violation of FCRA Section 611. Immediate correction is demanded. 
XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$740.00} Charge Off This charge-off is inaccurately reported. I have never defaulted on this account to the extent reported. The false charge-off has materially harmed my credit score, caused multiple loan denials, and led to increased scrutiny by financial institutions. I possess evidence of timely payments and dispute the validity of this charge-off. Immediate correction or deletion is demanded under FCRA Section 611 and FDCPA Section 809. 
XXXX  XXXX BANK XXXX Date opened : XX/XX/XXXX Balance : {$460.00} Charge Off This account is falsely marked as a charge-off. I have documentation proving payment activity contradicting this reporting. The incorrect charge-off notation has resulted in higher interest rates, denied applications, and negative impacts on my financial opportunities. The reporting is materially misleading and violates FCRA and FDCPA regulations. Immediate correction is required. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Original balance : {$4700.00} Charge Off This account is inaccurately reported as charged-off. I dispute this entry and request verification. The false charge-off has caused lenders to perceive me as high-risk, affecting my ability to obtain loans, housing, and financial services. The reporting violates FCRA Section 611 and has led to reputational damage and undue stress. Immediate investigation and correction are required. 
XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$8700.00} Charge Off This account is incorrectly reported as charged-off and has never been properly validated. The reporting has caused severe harm to my credit profile, loan denials, and personal distress. I demand immediate verification, correction, or deletion of this account. The false reporting misrepresents my financial responsibility and violates both FCRA and FDCPA provisions. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5300.00} Collection This account is incorrectly reported as a collection. I have never received any verified notice, statement, or legal communication regarding this debt. The reporting has caused my credit score to drop, resulted in denial of credit applications, and created unnecessary financial stress. This false reporting misrepresents my financial responsibility and is a violation of FCRA Sections 609, 611, and 623. I request immediate verification, correction, or deletion. The lack of proper validation from the creditor demonstrates negligence in reporting and harms my ability to secure loans, housing, and other financial services. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$700.00} Collection This collection account is inaccurate and unverifiable. I have documentation proving I have no outstanding debt with this creditor. Misreporting this account has led to increased interest rates on my current financial obligations, denial of credit, and undue stress. This reporting is materially misleading, constitutes a violation of FCRA Sections 609 and 611, and demands immediate correction or deletion. The accounts presence on my report paints a false picture of my credit history, affecting my reputation and causing financial harm. 
XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$920.00} Collection I dispute this collection account. I have never been properly notified of any alleged debt, and the inclusion of this account is causing severe harm to my credit profile. Lenders reviewing this false collection perceive me as high-risk, which has caused loan denials and elevated financial costs. The reporting is materially false and violates FCRA regulations. Immediate investigation and correction are required to prevent ongoing damage. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2300.00} Collection This collection account is inaccurately reported. I have never received validation, statements, or any communication confirming this alleged debt. The false collection is causing undue financial harm, including loan denials, higher interest rates, and emotional distress. The reporting is misleading and violates FCRA Section 611. Immediate verification, correction, or deletion is demanded to restore my accurate credit profile. 
XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized and inaccurately reported. I did not provide consent for this credit check. Unauthorized inquiries negatively affect my credit score, create confusion among lenders, and misrepresent my financial actions. Immediate investigation and removal are required under FCRA Section 604. 
XXXX  XXXX XXXX XX/XX/XXXX Inquiry This inquiry is reported without my authorization. I have never applied for or consented to any credit check with this creditor. The unauthorized reporting impacts my credit score and violates my rights under FCRA Section 604. Immediate deletion or correction is required. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is falsely reported. I did not authorize this credit check, and it inaccurately affects my credit profile. Unauthorized inquiries mislead lenders about my financial activity and should be removed immediately under FCRA Section 604. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized and inaccurate. I have no record of applying or consenting to a credit check with this entity. The reporting negatively affects my creditworthiness and constitutes a violation of FCRA regulations. Immediate removal is required. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry is falsely reported. I never authorized this credit check, and its presence misrepresents my financial activity. Unauthorized inquiries cause damage to my credit score and must be removed immediately. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was unauthorized and inaccurately reported. I did not consent to any credit check from this entity. The false inquiry misleads lenders and negatively impacts my credit profile. Immediate removal is required under FCRA Section 604. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is false and unauthorized. I have never applied for credit or consented to a credit check with this entity. Unauthorized reporting misrepresents my financial activity and violates FCRA regulations. Immediate deletion is demanded. 
XXXX XXXX XX/XX/XXXX Inquiry This is a duplicate unauthorized inquiry. I never authorized this credit check. The false reporting negatively impacts my credit score and misrepresents my creditworthiness. Immediate correction or removal is required. 
These false collections and unauthorized inquiries are materially harming my credit profile, causing loan denials, increased financial costs, emotional distress, and reputational damage. I demand that all unverifiable, inaccurate, or misleading information be corrected or removed immediately. Failure to comply will result in further legal action, including pursuing claims under FCRA, FDCPA, and other applicable laws. 
Please treat this as a formal CFPB complaint to investigate, correct, and delete inaccurate information. I request a written response confirming receipt, the details of the investigation, and the actions taken within the timeframe required 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