Consumer complaint received 2025-09-27 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 filing this complaint because multiple credit reporting agencies and furnishers of information have willfully and negligently reported inaccurate, misleading, and unverified information on my credit reports 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. These violations have caused me financial harm, emotional distress, and have interfered with my ability to obtain fair credit opportunities.

The law requires that all information reported must be 100 % accurate, verifiable, and complete ( FCRA 602 ( A ), 607 ( B ), and 609 ( A ) ). Debt collectors are also prohibited from reporting false, misleading, or unverifiable information ( FDCPA 807, 809 ). Despite these requirements, the following accounts contain serious errors : XXXX XXXX XXXX, TX XXXX Wrong Address This address does not belong to me and has never been associated with my personal history. Reporting false addresses is a violation of FCRA 607 ( B ), as it creates an inaccurate consumer profile and raises a risk of identity confusion. 

XXXX XXXX XXXX, TX XXXX Wrong Address Similarly, this address is not and has never been mine. Continuing to report wrong addresses despite disputes violates my rights under FCRA 611 ( A ) ( 1 ), which requires reinvestigation and correction of disputed information. 

XXXX XXXX High Balance {$420.00}, Date Opened XX/XX/XXXXXXXX  Late Payment The reported late payments are inaccurate and unverifiable. Under FCRA 609 ( A ), I have the right to request full validation of how these late payments were calculated and verified. Failure to provide proof makes this entry unlawful under FCRA 607 ( B ). 

XXXXXXXX XXXX XXXX XXXX High Balance {$470.00}, Date Opened XX/XX/XXXXXXXX  Charge Off This account is inaccurately listed as a charge-off. A charge-off must follow strict accounting and reporting rules, and can not be misrepresented. Reporting it without proof of balance, date of first delinquency, and accounting details violates FCRA 623 ( A ) ( 1 ) ( A ). 

XXXX XXXX High Balance {$1200.00}, Date Opened XX/XX/XXXXXXXX  Late Payment These late payments are unverified. The furnisher has not provided proof of billing statements or payment history. By law ( FCRA 611 ), unverifiable negative information must be deleted. 

XXXX XXXX XXXX High Balance {$630.00}, Date Opened XX/XX/XXXX Charge Off This account is inaccurately reported as a charge-off. If the account has been sold or transferred, it can not remain listed as charged-off without proper validation. Continued reporting is misleading and violates FCRA 607 ( B ). 

XXXX XXXX XXXX XXXXXXXX High Balance {$24000.00}, Date Opened XX/XX/XXXXXXXX  Charge Off The reporting is both inaccurate and damaging. I have never received proper validation of this alleged debt. Without proof of original creditor records and accurate accounting, this is a violation of FDCPA 809 ( b ) and FCRA 611 ( A ). 

XXXX XXXX High Balance {$720.00}, Date Opened XX/XX/XXXXXXXX  Late Payment The late payment history lacks validation. Furnishers must maintain accurate records ; failure to provide them makes this reporting unlawful under FCRA 623 ( A ) ( 1 ). 

XXXX XXXX XXXX XXXX XXXX High Balance {$250.00}, Date Opened XX/XX/XXXX Collection This collection account has not been validated as required by FDCPA 809 ( b ). Debt collectors may not report a debt to the credit bureaus without first providing proper validation. 

XXXX XXXX XXXX  High Balance {$4800.00}, Date Opened XX/XX/XXXX Collection This collection reporting is inaccurate and misleading. Without a signed contract or proof of ownership of the debt, reporting violates both FDCPA 807 ( 8 ) and FCRA 607 ( B ). 

XXXXXXXX XXXX XXXXXXXX High Balance {$360.00}, Date Opened XX/XX/XXXXXXXX  Collection XXXX XXXX XXXX is a well-known violator of consumer protection laws. This account has not been properly validated, violating FDCPA 809 and FCRA 611. 

XXXX XXXX XXXX XXXX High Balance {$160.00}, Date Opened XX/XX/XXXXXXXX  Collection This collection entry has no legal validation. Reporting unverifiable debts is an unfair collection practice prohibited under FDCPA 807 ( 2 ) ( A ). 

XXXX XXXX XXXX XXXXXXXX High Balance {$6500.00}, Date Opened XX/XX/XXXXXXXX  Collection This account is highly inaccurate. No documentation has been provided to show its legitimacy. The continued reporting of this account violates FCRA 611 ( A ) and FDCPA 807. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. Reporting unauthorized inquiries is a violation of FCRA 604 ( a ) ( 2 ), which requires permissible purpose before pulling a consumer report. 

Final Statement These repeated violations of federal law demonstrate reckless disregard for accuracy and fairness. The credit reporting agencies and furnishers have failed to conduct proper reinvestigations, failed to validate debts, and reported false addresses, unauthorized inquiries, and unverified negative accounts. 

I am demanding immediate investigation and removal of all inaccurate and unverifiable information listed above, in compliance with FCRA 602, 607, 609, 611, and 623 as well as FDCPA 807 and 809.

If this matter is not resolved, I am prepared to escalate this complaint through litigation under 15 U.S.C. 1681n and 1681o, which allows for actual damages, statutory damages, punitive damages, attorneys fees, and costs.

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