Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, fraudulent, and misleading entries appearing on my credit report. These inaccuracies are severely damaging my creditworthiness, misrepresent my financial responsibility, and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I request immediate investigation, correction, or removal of the following items. 
XXXX XXXX XXXX, TX XXXX Wrong Address reported. I have never lived at this address, never received mail there, and have no accounts tied to this location. Its presence falsely connects me to debts and liabilities that are not mine. This false reporting has resulted in credit application denials, increased interest rates, and unnecessary collection inquiries. The inclusion of this address violates FCRA 609 and 611, which require accurate personal information. I request immediate removal and correction. 
XXXX XXXX XXXX, TX XXXX Wrong Address reported. This address is not and has never been associated with me. Misreporting my address creates confusion for creditors and may be used to collect debts from accounts that are not mine. Such false information is misleading and can result in identity verification issues and delays in loan approvals. This is a direct violation of FCRA 611 and 623 ( a ). I demand deletion of this inaccurate record immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$62.00} Date Opened : XX/XX/XXXX Late Payment reported. This late payment is inaccurate. I have always made timely payments on this account. Reporting a false late payment negatively affects my credit score, increases the cost of borrowing, and misrepresents my financial responsibility. This is a violation of FCRA 623 and FDCPA 809 ( b ). I demand immediate removal or correction with proof of verification. The continued false reporting constitutes willful misconduct. 
XXXX XXXX XXXX XXXX : {$810.00} Date Opened : XX/XX/XXXX XXXX XXXX reported. I dispute this late payment as I have no record of missing a payment. This false entry misleads creditors and harms my creditworthiness, potentially resulting in denied loans or higher interest rates. FCRA 611 requires that such disputed information be validated. I request verification of this claim or immediate deletion. Reporting unverified late payments is illegal and actionable. 
XXXX XXXX XXXX XXXX XXXX : {$850.00} Date Opened : XX/XX/XXXX Charge Off reported. I have never defaulted on this account. Reporting a charge off without verification is misleading, damaging my credit history, and reduces my eligibility for future credit. This action violates FCRA 611 and 623 and FDCPA regulations. I request immediate removal unless proper documentation is provided. Failure to remove unverifiable charge offs is a legal violation and subjects the reporting agency to liability. 
XXXX XXXXXXXX * XXXX XXXX : {$500.00} Date Opened : XX/XX/XXXX XXXX XXXX reported. This charge off is false. I have always maintained proper payments and have documentation to prove timely account management. Reporting this inaccurate charge off reduces my creditworthiness, impacts mortgage and auto loan applications, and constitutes a violation of FCRA 611. I demand immediate investigation and deletion of this false entry. 
XXXX XXXX XXXX  XXXX XXXX : {$3500.00} Date Opened : XX/XX/XXXX XXXX XXXX reported. I have never missed or delayed payments as reported. The inaccurate late payment entry is misleading to lenders, causing credit denials and undue financial stress. FCRA XXXX and FDCPA XXXX require accurate reporting and validation of disputed items. I request immediate removal or proof of legitimacy, failing which legal action will be pursued. 
XXXX XXXX XXXXXXXX High Balance : {$430.00} Date Opened : XX/XX/XXXX Late Payment reported. This late payment is inaccurate and unsupported. I have consistently made on-time payments. Reporting false late payments is harmful, misleading, and violates my rights under FCRA 609 and 611. Immediate correction or deletion is required. Continued reporting of unverified information may constitute willful negligence or willful violation of federal law. 
XXXX XXXX * XXXX XXXX : {$18000.00} Date Opened : XX/XX/XXXX XXXX XXXX reported. I dispute this charge off as inaccurate. I have never defaulted on this account, and I have maintained all payments according to the agreed schedule. Reporting this false charge off misleads lenders, causes loan denials, increases interest rates, and harms my financial reputation. This is a violation of FCRA 611 and 623. The continued inclusion of this account without validation constitutes willful negligence. I demand immediate deletion unless verifiable documentation is provided. 
XXXX XXXXXXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off reported. This account is being incorrectly reported. I have consistently met all obligations associated with this account. Reporting a charge off without proper verification misrepresents my creditworthiness and could result in denial of credit or financial opportunities. This false reporting violates FCRA 611 and FDCPA 809 ( b ). I request immediate investigation and removal of this entry if verification can not be provided. 
XXXX XXXX  XXXX XXXX XXXX : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX reported. I dispute this late payment as inaccurate. I have never missed or delayed any payments. This false information misleads lenders, potentially results in higher interest rates, and harms my ability to access credit. Reporting incorrect student loan payment history is a serious violation of FCRA 623 ( a ) and FDCPA regulations. I demand deletion or validation with proper documentation. 
XXXX XXXX XXXX * * High Balance : {$200.00} Date Opened : XX/XX/XXXX Charge Off reported. This charge off is incorrect. I have no record of default or notice of any unpaid balances. Reporting a charge off falsely damages my credit score and misrepresents my financial reliability. This constitutes a violation of FCRA XXXX and FDCPA. I demand immediate correction or removal of this entry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$200.00} Date Opened : XX/XX/XXXX Late Payment reported. This entry is inaccurate. I have consistently paid on time, and the reported late payment is false. This misreporting negatively affects my credit score, loan approvals, and interest rates. Reporting unverified late payments violates FCRA 609 and 611. I demand correction or deletion. 
XXXX XXXXXXXX XXXX XXXX : {$1700.00} Date Opened : XX/XX/XXXX Late Payment reported. I dispute this payment history as false. I have always paid on time. Reporting inaccurate late payments misleads lenders, negatively impacts my credit score, and is a violation of FCRA 611. I demand investigation and immediate removal if unverifiable. 
XXXX XXXXXXXX XXXX XXXX XXXX : {$3500.00} Date Opened : XX/XX/XXXX Late Payment reported. This is inaccurate and misleading. I have never missed or delayed payments as claimed. Misreporting student loan payment history causes undue financial stress, loan denials, and violates FCRA 623 and FDCPA 809 ( b ). Immediate correction or deletion is required unless documentation validating this claim is provided. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX reported. This late payment is completely inaccurate. I have always made timely payments for this account. Reporting a false late payment misleads lenders, increases my borrowing costs, and negatively impacts my credit score. This false reporting constitutes a violation of FCRA 611 and 623, and continued inclusion without verification may be considered willful negligence. IXXXX removal is demanded unless verifiable documentation is provided. 
XXXX XXXXXXXX XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/XXXX Late Payment reported. I dispute this entry as it is inaccurate and misleading. I have never missed or delayed payments on this account. False reporting of student loan history harms my creditworthiness, misleads lenders during loan evaluation, and may lead to higher interest rates or loan denials. I demand correction or deletion immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX : {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX reported. This account has been reported incorrectly. I have maintained all payments on time. Misreporting late payments is harmful, misleading, and a violation of FCRA 611. This false entry could impact mortgage, auto loan, and credit card approvals. Immediate investigation and removal is required. 
XXXX XXXXXXXX XXXX XXXX XXXX : {$1200.00} Date Opened : XX/XX/XXXX Late Payment reported. I dispute this late payment as false. I have documentation proving timely payment. Reporting unverified late payments misleads creditors, damages my credit score, and constitutes a violation of FCRA 609 and 611. I demand correction or deletion. 
XXXX XXXX XXXX XXXX XXXX : {$6000.00} Date Opened : XX/XX/XXXX XXXX XXXX reported. This is inaccurate and misleading. I have never missed or delayed payments on this account. Misreporting payment history of this magnitude causes undue financial stress, loan denials, and violates FCRA 623 and FDCPA 809 ( b ). I demand immediate removal unless validated. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$3500.00} Date Opened : XX/XX/XXXX Late Payment reported. I dispute this entry as inaccurate. False reporting damages my credit profile, misleads lenders, and negatively impacts my ability to secure loans. Reporting unverifiable late payments violates federal law. Immediate correction or deletion is required. 
XXXX XXXXXXXX XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/XXXX Late Payment reported. This late payment is false. I have always maintained timely payments, and this inaccurate report reduces my creditworthiness and borrowing capacity. It also misleads lenders and constitutes a violation of FCRA XXXX and XXXX. Immediate removal is demanded. 
XXXX XXXX High Balance : {$260.00} Date Opened : XX/XX/XXXX Late Payment reported. I dispute this late payment as inaccurate. I have consistently paid on time. Reporting false late payments misleads lenders, harms my credit score, and violates FCRA 609 and 611. This inaccurate reporting may affect future credit applications, interest rates, and financial opportunities. Immediate correction or deletion is required. 
XXXX XXXX XXXX XXXX  XXXX XXXX : {$26000.00} Date Opened : XX/XX/XXXX Charge Off reported. This charge off is completely inaccurate. I have never defaulted on this account, and I have always maintained timely payments. Reporting this false charge off misleads lenders, lowers my credit score, increases borrowing costs, and may result in denial of credit, mortgages, or auto loans. This is a violation of FCRA 611 and 623. The continued reporting without verification constitutes willful negligence or potential willful violation of federal law. Immediate removal or correction is demanded, and I request verification documentation proving legitimacy. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Charge Off reported. I dispute this entry as inaccurate. I have fulfilled all obligations associated with this account. Reporting a false charge off misrepresents my financial reliability, harms my creditworthiness, misleads lenders, and may result in increased interest rates or credit denials. This violates FCRA 611 and FDCPA 809 ( b ). Immediate deletion or correction is required. 
XXXX XXXX XXXX XXXX XXXX : {$3500.00} Date Opened : XX/XX/XXXX Late Payment reported. I dispute this late payment as inaccurate. I have never missed or delayed payments. Misreporting this payment history harms my credit score, misleads lenders, increases borrowing costs, and violates FCRA 623 and FDCPA 809 ( b ). Immediate removal or correction is demanded. 
XXXX XXXXXXXX XXXX XXXX XXXX : {$4900.00} Date Opened : XX/XX/XXXX Late Payment reported. This late payment is false. I have consistently paid on time. Reporting unverified late payments misleads lenders, damages my creditworthiness, and may affect loan approvals or interest rates. Immediate investigation and removal is required. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Charge Off reported. I dispute this charge off as inaccurate. I have never defaulted and have documentation proving all payments were made timely. Misreporting this harms my credit score, misleads lenders, and constitutes a violation of FCRA 611 and 623. Immediate correction or deletion is demanded. 
XXXX XXXX XXXXXXXX High Balance : {$190.00} Date Opened : XX/XX/XXXX Late Payment reported. This late payment is false. I have always made payments on time. Reporting inaccurate late payments misleads lenders, damages my credit score, increases interest rates, and violates FCRA 609 and 611. Immediate correction or deletion is required. 
XXXX XXXXXXXX High Balance : {$440.00} Date Opened : XX/XX/XXXX Charge Off reported. This charge off is false. I have met all obligations, and reporting this incorrectly misrepresents my financial responsibility, misleads lenders, and negatively impacts my credit profile. Immediate deletion or correction is required. 
XXXX XXXX XXXX XXXX : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX reported. This account has been falsely reported as charged off. I have always maintained timely payments. Misreporting this harms my creditworthiness, misleads lenders, and violates FCRA 611. Immediate correction or removal is demanded. 
XXXX XXXX * * XXXX XXXX : {$2100.00} Date Opened : XX/XX/XXXX XXXX reported. This collection is inaccurate. I have no record of missed payments or default. Reporting this falsely misleads lenders, reduces creditworthiness, and is a violation of FCRA 611. Immediate deletion or correction is required. 
XXXX XXXX XXXX * XXXX XXXX : {$630.00} Date Opened : XX/XX/XXXX XXXX reported. This collection is completely inaccurate. I have never defaulted on this account and have no record of missed or late payments. Reporting this falsely misleads lenders, damages my credit score, increases borrowing costs, and may lead to loan denial or higher interest rates. This constitutes a violation of FCRA 611. Immediate removal or correction is demanded, and I request verification documentation proving legitimacy. 
XXXX XXXX XXXX XXXX : {$150.00} Date Opened : XX/XX/XXXX XXXX reported. This is inaccurate. I have consistently met all obligations associated with this account. Reporting false collections harms my creditworthiness, misleads lenders during evaluations, and may result in unfavorable financial decisions. Immediate investigation and removal is required under FCRA 611 and 623. 
XXXX XXXX XXXX XXXX * * XXXX XXXX : {$2100.00} Date Opened : XX/XX/XXXX XXXX reported. I dispute this account as inaccurate. I have documentation proving timely payments and no default exists. Reporting false collections reduces my borrowing capacity, misleads lenders, and violates FCRA XXXX. XXXX correction or deletion is demanded. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry reported. I did not authorize this inquiry. Unauthorized inquiries violate FCRA XXXX ( a ) ( XXXX ) and XXXX indicate potential fraud or misreporting. Reporting unapproved inquiries harms my creditworthiness. XXXX deletion is demanded. 
XXXX XX/XX/XXXX XXXX reported. This inquiry is false and unauthorized. Misreporting inquiries negatively impacts my credit score, misleads lenders, and violates FCRA 604 ( a ). Immediate correction or deletion is demanded. 
XXXX XXXX XX/XX/XXXX XXXX reported. This inquiry is inaccurate and unauthorized. Misreporting inquiries reduces my borrowing opportunities and violates FCRA XXXX. XXXX removal is demanded. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX reported. I did not authorize this inquiry. Reporting false inquiries misleads lenders, reduces my XXXX XXXX, and violates FCRA XXXX. XXXX correction or deletion is demanded. 
XXXX XX/XX/XXXX XXXX reported. I dispute this inquiry as unauthorized. Reporting false inquiries harms creditworthiness, misleads lenders, and violates FCRA XXXX. XXXX deletion is demanded. 
XXXX XX/XX/XXXX XXXX reported. This inquiry is unauthorized and inaccurate. Reporting false inquiries misleads lenders, harms my credit profile, and violates FCRA XXXX. XXXX correction or deletion is demanded. 
I assert that all of the above-referenced accounts, collections, and inquiries are inaccurate, fraudulent, and/or unauthorized. Continued reporting of these items is harmful, misleading, and in direct violation of federal law. I request CFPB assistance to ensure that all items are promptly investigated, corrected, or removed. I also request written confirmation of corrective actions taken. Failure to comply XXXX result in further legal action to enforce my rights under FCRA and FDCPA, including claims for damages caused by continued false reporting.

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