Consumer complaint received 2025-09-26 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 to dispute multiple inaccuracies and unauthorized account notations on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related federal laws, I have the right to accurate and verifiable reporting. The following items are reported incorrectly, and I demand thorough investigation, correction, or deletion where appropriate. Each inaccuracy has caused, and continues to cause, severe harm to my financial reputation, credibility, and opportunities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Wrong Address I have no association whatsoever with this address. Reporting this false information is damaging because it may link me to debts, legal notices, or investigations that are entirely unrelated to me. It creates a risk of misidentification, and any lender or creditor reviewing my report could mistakenly hold me responsible for obligations that are not mine. The law, under FCRA Section 609 ( a ) ( 1 ), mandates that all personal data reported must be accurate and verifiable. I demand immediate removal and full verification that this address will no longer appear on my record. 
XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$15000.00} | Chargeoff I have no knowledge of this account, nor did I open or authorize it. Reporting this account as a chargeoff is completely false and may indicate identity theft or a reporting error. Such a significant amount being associated with me has already impacted my creditworthiness, including denial of loans and higher interest rates. Under FCRA Section 623 ( a ) ( 8 ), I have the right to dispute this information, and I demand deletion, verification, and investigation. This erroneous chargeoff undermines my financial reputation and exposes me to further scrutiny from lenders and other institutions. 
XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$3700.00} | Late Payment I have never made late payments on this account. Reporting a late payment history falsely portrays me as financially irresponsible and affects my ability to secure credit at fair terms. Under FCRA Section 611 ( a ), I am entitled to correction of any inaccurate account history. I request that my payment history be immediately corrected to reflect accurate information. Falsely reported late payments have already caused unnecessary stress and financial disadvantages. 
XXXX XXXX| Open Date : XX/XX/XXXX | XXXX XXXX : {$1200.00} | XXXX I have no knowledge of this account. Reporting it as a chargeoff is false and potentially fraudulent. It significantly harms my credit score, increases my borrowing costs, and exposes me to legal confusion. Under FCRA Sections 602 and 611, I demand deletion and verification of this account. False chargeoffs are serious violations and directly impact my financial stability and reputation. 
XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$2100.00} | Chargeoff I have no record of this account. Its reporting is inaccurate and damaging. False chargeoffs directly reduce my creditworthiness, misrepresent my financial reliability, and can trigger negative financial consequences. FCRA mandates that unverifiable or false information be removed, and I demand immediate compliance. 
XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$2400.00} | Late Payment I have never made late payments on this account. Reporting otherwise is misleading, damages my credibility, and violates FCRA Section 611 ( a ). I demand immediate correction to reflect the accurate payment history. 
XXXX XXXXXXXX | Open Date : XX/XX/XXXX | High Balance : {$2700.00} | Late Payment The reported late payments are false. Such reporting harms my credit profile, limits financial opportunities, and misrepresents my history to potential lenders. I request immediate correction under federal law. 
XXXX XXXX| Open Date : XX/XX/XXXX | XXXX XXXX : {$5400.00} | XXXX I have no knowledge of this account. I did not open, authorize, or use it. Reporting it as a chargeoff is entirely false and constitutes a violation of FCRA Sections 602 and 611. Such a false chargeoff harms my creditworthiness, increases borrowing costs, and may result in denial of loans or other financial services. I demand immediate deletion and verification. 
XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$21000.00} | Chargeoff This account is reported without my authorization or knowledge. I never opened or used this account. Reporting it as a chargeoff is inaccurate and damaging to my financial reputation. Under FCRA Section 623, I request deletion and a full investigation. False reporting of this magnitude causes severe stress and could result in unwarranted legal or financial consequences. 
XXXX  XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$1800.00} | Chargeoff I never opened, authorized, or used this account. Reporting it as a chargeoff is inaccurate and harmful. Under FCRA Section 623, I demand immediate deletion and verification. False chargeoffs not only lower my credit score but also damage my reputation with lenders and other institutions. 
XXXX  XXXX | Open Date : XX/XX/XXXX | High Balance : {$1200.00} | Late Payment I have never made late payments on this account. The reported late payment history is false, misleading, and constitutes a violation of FCRA Section 611 ( a ). I demand immediate correction to accurately reflect my payment history and to prevent undue harm to my creditworthiness. 
XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$10000.00} | Late Payment I have never made late payments on this account. The inaccurate reporting negatively affects my credit profile and misrepresents my financial responsibility. Under FCRA Section 611, I request immediate correction and verification of the accurate payment history. 
XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$270.00} | Late Payment I have no record of late payments on this account. Reporting it incorrectly violates my rights under FCRA Sections 602 and 611. Such false reporting impacts lenders perception of my reliability, potentially limiting financial access. I demand immediate correction. 
XXXX  XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$150.00} | Late Payment The reported late payments are false. Misreporting damages my creditworthiness, reputation, and creates undue financial hardship. I request immediate correction under federal law to reflect accurate payment history. 
XXXX XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$4000.00} | Late Payment I have never made late payments on this account. Reporting false late payments is misleading and harmful under FCRA Section 611 ( a ). I demand immediate correction to accurately reflect my true payment history and ensure that my financial record is not misrepresented. 
XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$55000.00} | Late Payment I have never made late payments on this account. Reporting false late payments misrepresents my financial responsibility and can severely impact my creditworthiness. Such inaccurate reporting violates FCRA Section 611 ( a ), which requires timely correction of any disputed account history. I demand immediate correction to accurately reflect my true payment history. 
XXXX XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$1400.00} | Collection I have no knowledge of this account. Reporting it as a collection is inaccurate, misleading, and harmful. Under FCRA Section 623, I demand deletion and verification. Such false collections negatively impact my credit profile, increase borrowing costs, and could result in denial of financial opportunities. 
XXXX XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$1200.00} | Collection I have no record of this account. Its reporting as a collection is false and harmful. Under FCRA Sections 602 and 611, I demand immediate deletion and verification. Incorrect collections undermine my financial credibility and cause stress and financial disadvantage. 
XXXX XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$8100.00} | Collection I have never opened or authorized this account. Reporting it as a collection is false, misleading, and potentially fraudulent. Under FCRA Section 623, I demand immediate deletion and investigation. Such inaccuracies severely impact my credit profile, increase borrowing costs, and may cause denial of credit or other financial services. 
XXXX XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$640.00} | Collection I have no knowledge of this account. Its reporting as a collection is false and damaging. Under FCRA Sections 602 and 611, I demand immediate deletion and verification. Misreporting collections like this misrepresents my financial reliability and can cause serious financial and reputational harm. 
XXXX XXXX XXXXXXXX | Open Date : XX/XX/XXXX | High Balance : {$170.00} | Collection I have no knowledge of this account. Reporting it as a collection is false and potentially fraudulent. Under FCRA Section 623, I demand deletion and verification. Incorrect collection reporting damages my credit profile, increases borrowing costs, and can prevent me from obtaining necessary financial services. 
XXXX XXXX XXXX | Open Date : XX/XX/XXXX | High Balance : {$2600.00} | Collection I have never authorized or used this account. Reporting it as a collection misrepresents my financial reliability and violates FCRA Sections 602 and 611. I demand immediate deletion and written verification. Such inaccuracies have already caused financial stress and damage my credibility with lenders. 
XXXX XXXX  XXXX | Open Date : XX/XX/XXXX | High Balance : {$6800.00} | Collection I have no knowledge of this account. Its reporting as a collection is inaccurate, misleading, and harmful. Federal law requires all unverifiable or false accounts to be removed. I demand immediate deletion under FCRA Sections 602 and 611. Misreporting collections like this directly impacts my credit score and financial reputation. 
XXXX XXXX XXXXXX/XX/XXXX | XXXX This inquiry was not authorized by me. Reporting it violates FCRA Section 604 and can adversely affect my creditworthiness. I demand deletion immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Inquiry I have no record of authorizing this inquiry. Its reporting violates FCRA Section 604. I request immediate removal and verification. Unauthorized inquiries can harm my credit profile and financial opportunities. 
I request the Consumer Financial Protection Bureau to thoroughly investigate each disputed item, ensure that all inaccuracies, collections, chargeoffs, late payments, and unauthorized inquiries are corrected or deleted, and confirm the results in writing. Failure to comply constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and federal consumer protection laws, which may result in legal remedies for damages caused by negligent or fraudulent 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