Consumer complaint received 2025-08-08 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 writing to file a formal complaint against various furnishers and credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer. I have attempted to resolve these issues directly, but the inaccuracies continue to appear on my credit reports, severely damaging my credit profile, financial opportunities, and personal well-being. 
XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : Under Section 609 ( a ) and Section 611 of the FCRA, I have the right to accurate and verifiable information.

Story : This address does not belong to me and has never been my place of residence. Reporting a wrong address can create serious confusion, misrepresentation of my identity, and potential fraud concerns. The inclusion of irrelevant personal information violates my right to privacy and introduces the risk of mixed credit files, as highlighted by CFPB guidance. This error can impact lending and regulatory investigations and must be rectified immediately. 

XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA Section 602 ( a ) upholds the need for fairness, accuracy, and privacy in credit reporting.

Story : I have never resided nor had any official ties to this address. The ongoing reporting of an unrelated location violates both federal and state consumer protection guidelines and exposes me to unnecessary risk from mismatching records. 

XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$960.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : Under FCRA Section 611, I have a right to dispute and correct inaccuracies ; Section 623 requires furnishers to report only accurate data.

Story : This account was reported as charged off, but I never received adequate notice of delinquency nor documentation supporting the balance claimed. Charge-offs have a significant negative effect on my credit profile and such reporting without sufficient evidence violates my rights to verify or refute claims. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA and FDCPA require notifications and substantiated documentation for negative marks. 
XXXX : The delinquency attached to this account is inaccurate and lacks documentation, presenting a misleading financial record. Unsubstantiated derogatory remarks directly affect my ability to secure housing or credit and may constitute an unfair credit practice. 

XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$1600.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : CFPB regulations require rigorous proof for negative financial reporting. 
Story : I was not informed about any payment irregularity. Reporting supposed late payments without sufficient due process and proof meets the threshold of legal noncompliance and causes emotional and financial distress. 

XXXX XXXX XXXX XXXX High Balance : {$660.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : Accurate charge-off reporting is mandated by the FCRA and CFPB guidelines XXXX 
XXXX : This was misreported, and evidence of charge-off procedures or collection efforts was never provided. Unfair charge-off reporting diminishes creditworthiness and erodes trust in reporting agencies. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FDCPA and FCRA govern accurate and fair reporting of account status. 
Story : Reporting this account as late misrepresents my payment integrity. This kind of error can escalate to denial of basic financial services and breaches my consumer protections under federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$950.00} Date Opened : XX/XX/XXXX Issue : Collection Law : Unverified collections are unlawful under FCRA and FDCPA. 
XXXX : This entry is being reported absent any verification or supporting documentation. False collection activity increases financial hardship and legal liability for all parties involved. 

XXXX XXXXXXXX XXXX XXXX High Balance : {$20.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : Accurate reporting required under FCRA ; negligible sums should not result in major derogatory marks. 
Story : Reporting a {$20.00} balance as late payment is disproportionate and punitive. This non-material error is evidence of poor data handling and illustrates the need for robust audit processes. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$710.00} Date Opened : XX/XX/XXXX Issue : Collection Law : Compliance with the standards of the CFPB is essential for debt claims. 
Story : Reporting without proof or acknowledgment of debt is unlawful and has a damaging effect on my profile and financial opportunities. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FDCPA mandates complete verification upon request. 
Story : No supporting documentation for the reported debt has been provided. Repeated misreporting reflects systemic failures demanding immediate compliance review. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Issue : Collection Law : Proper consumer disclosures and rights to dispute are stipulated under FCRA. 
Story : Without actual balance data, the notation is entirely unsubstantiated and improper. This ambiguity harms not only my record but the reliability of the entire reporting ecosystem. 

XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$51.00} Date Opened : XX/XX/XXXX Issue : Collection Law : All debts must be validated under consumer protection statutes. 
Story : Such a low-balance collection, when unverified, indicates automated data mismanagement and exposes the need for stricter regulatory oversight. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$910.00} Date Opened : XX/XX/XXXX Issue : Collection Law : Consumer rights include complete validation and due process. 
Story : This collection item is incorrectly attributed to my report, which directly damages my reputation and limits my financial growth. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry Law : Only properly permissible inquiries are legal under the FCRA. 
Story : Unknown entity with lack of proper disclosure. This can constitute regulatory breach and diminishes the trust in creditor practices for fair consideration. 

XXXX XX/XX/XXXX Issue : XXXX XXXX : All consumer reporting agency activity must be transparent and initiated by the consumer. 
Story : I did not apply for XXXX credit or authorize a credit pull. Unlawful inquiries hurt scores and increase risk of identity fraud. 

XXXX XX/XX/XXXX Issue : XXXX XXXX : Dispute rights allow for review and deletion of all inappropriately conducted inquiries. 
Story : No inquiry authorization was given by me for XXXX. These errors can have cascading negative effects on access to financial resources. 

RELIEF REQUESTED : 1. Immediate investigation and removal of inaccurate addresses 2. Full deletion of inaccurate, duplicated, and unverifiable negative accounts 3. Permanent removal of unauthorized inquiries from my credit reports 4. Written confirmation of all corrective actions taken I respectfully urge the CFPB to hold the involved furnishers and credit bureaus accountable for these repeated violations and ensure that my consumer rights under the law are restored. 
Thank you for your assistance.

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