Consumer complaint received 2025-09-18 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 submitting this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized items appearing on my credit reports. These items violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer. I respectfully request a full investigation and permanent removal of the following items from all credit bureaus XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address This second false address has no relationship to my history. Including multiple addresses that I have never lived at suggests serious errors in data management and violates FCRA 611 which requires proper reinvestigation when disputed. Leaving this address in my file creates confusion for creditors and could lead to fraudulent accounts being tied to me. This negligence also violates the spirit of the FDCPA 807 ( 10 ), which prohibits the use of false representation or deceptive means to collect or report information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address I have never lived at this apartment and have no legal or contractual ties to it. Reporting this address creates a false identity trail that could allow bad actors to commit fraud in my name. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or reasonably should know is inaccurate. This address is clearly inaccurate and must be permanently deleted to comply with the law XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$570.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments that do not reflect my actual payment history. These lates are unverified, damaging, and misleading to potential lenders. According to FCRA 609 ( a ) ( 1 ), I have the right to a full accounting of how these lates were verified. If the bureau can not produce original creditor documents showing proof of delinquency, the late payments must be deleted under FCRA 611 ( a ) ( 5 ). In addition, continued reporting of unverifiable lates constitutes willful noncompliance under FCRA 616 and gives me the right to seek damages in court XXXX XXXX XXXX XXXX XXXX High Balance : {$580.00} Date Opened : XX/XX/XXXX Late Payment This account is also being misreported with late payment information that is not accurate. Each late notation unfairly lowers my credit score and prevents me from accessing fair credit. Under FCRA 607 ( b ), credit bureaus are required to adopt procedures that maximize accuracy, yet the persistence of this error proves noncompliance. Furthermore, the CFPB has previously stated that unverifiable derogatory marks must be deleted. Since this accounts late payments can not be verified with original records, I demand immediate deletion of all derogatory notations XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$330.00} Date Opened : XX/XX/XXXX Late Payment This account is listed with late payments that are inaccurate. I dispute this because the reporting agency has not provided any original signed contract, billing statements, or payment history to substantiate the lates. Under FCRA 609 ( a ) ( 2 ), I am entitled to see the sources of information. If the bureau can not provide this, it must delete the derogatory data. Continuing to report this without validation also violates FDCPA 807 ( 8 ) which prohibits communicating credit information known to be false XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$530.00} Date Opened : XX/XX/XXXX Chargeoff This account is reported as a charge-off, which is extremely damaging and entirely unverified. A charge-off is a severe derogatory mark that must be supported by concrete evidence such as account statements, default notices, and creditor verification. None of this has been provided despite my disputes. FCRA 623 ( a ) ( 3 ) requires furnishers to correct and update information that is incomplete or inaccurate. Since the charge-off can not be verified, it is an illegal entry and must be removed immediately. Continued false reporting may also constitute willful noncompliance under FCRA 617 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Late Payment This account also shows late payments which I strongly dispute. No proper validation or proof has been provided to me. According to FCRA 611 ( a ), the bureau must conduct a reasonable reinvestigation of disputed information, yet the continued reporting of this derogatory indicates no such reinvestigation has taken place. Moreover, FDCPA 807 ( 2 ) ( A ) prohibits falsely representing the character or legal status of a debt. Since the bureau can not prove these late payments, they must be permanently deleted XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$490.00} Date Opened : XX/XX/XXXX Late Payment This is another account showing false late payments that do not belong on my report. By law, the bureau and the furnisher must maintain strict accuracy, yet this account demonstrates the opposite. Under FCRA 609 and 611, I am entitled to verification or deletion. Reporting unverifiable lates not only violates the FCRA but also subjects the furnisher and bureau to liability under FCRA 616 for willful noncompliance and 617 for negligent noncompliance. I demand immediate deletion of this item XXXX XXXX XXXX XXXX XXXX  High Balance : {$360.00} Date Opened : XX/XX/XXXX Chargeoff This account is being misreported as a charge-off. No creditor has provided me with original signed agreements, billing history, or charge-off statements to validate this claim. Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information in my file, and under 611 ( a ), the bureau must reinvestigate and remove unverifiable entries. Reporting a charge-off without proof is not only inaccurate but also damaging to my credit score. If proper validation can not be produced, this tradeline must be deleted immediately XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$69.00} Date Opened : XX/XX/XXXX Chargeoff This account is also reported as a charge-off which is both unreasonable and unverified. A {$69.00} balance does not justify the severe derogatory classification of charge-off, and no proof has been provided. According to FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate. By continuing to list this without validation, the furnisher and bureau are in violation of federal law. I demand its deletion immediately XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$25000.00} Date Opened : XX/XX/XXXX Late Payment This account reflects late payments that are not accurate and not representative of my payment history. Such derogatories create false impressions to future lenders and severely harm my financial reputation. FCRA 607 ( b ) requires maximum possible accuracy, yet this reporting shows failure of compliance. Under FCRA 611, any unverifiable late payments must be removed, and under FDCPA 807 ( 2 ) ( A ), misrepresenting the character or legal status of a debt is strictly prohibited. Since validation has not been provided, the late payment marks must be deleted XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1500.00} Date Opened : XX/XX/XXXX Late Payment This account also reflects late payments that I strongly dispute. The creditor has not produced any documentation verifying the delinquency. Under FCRA 609, I have the right to receive the sources and evidence of the information being reported. Because no validation has been provided, this constitutes incomplete and inaccurate reporting under FCRA 623 ( a ) ( 3 ), which requires corrections and updates. Therefore, all late payments reported on this account must be deleted immediately XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$270.00} Date Opened : XX/XX/XXXX Chargeoff This account is inaccurately listed as a charge-off. Without original records or signed contracts, the reporting agency can not legally sustain this derogatory status. FCRA 611 ( a ) ( 5 ) requires deletion of data that can not be verified, and continued reporting of unverifiable data is willful noncompliance under FCRA 616. I request immediate deletion of this entry XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$160.00} Date Opened : XX/XX/XXXX Chargeoff This is another small-balance account reported as a charge-off, which is both disproportionate and unverified. Such reporting is harmful and unlawful under FCRA 607 ( b ) which requires accurate information. Without full documentation from the original creditor, this derogatory must be permanently removed. FDCPA 807 ( 8 ) also prohibits communication of credit information known to be false, making this reporting a direct violation XXXX XXXX XXXX XXXX XXXX  High Balance : {$210.00} Date Opened : XX/XX/XXXX Chargeoff This account is also being misreported with a charge-off notation. I have not been provided with proof of default or evidence of the alleged charge-off. Under FCRA 609 ( a ) ( 2 ), I have the right to see the sources of this information. Since this can not be validated, continued reporting violates FCRA 611 and subjects the bureau to liability under 617 for negligent noncompliance. This tradeline must be deleted immediately XXXX XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Late Payment This account lists multiple late payments which I dispute as inaccurate. No original records or billing statements have been provided. FCRA 607 ( b ) requires maximum possible accuracy, yet this entry shows clear inaccuracy. Under FCRA 611 ( a ), disputed information must be reinvestigated and deleted if unverifiable. Continued reporting of unverifiable late payments constitutes willful noncompliance under FCRA 616 and exposes the bureau and furnisher to damages. These late notations must be deleted immediately XXXX XXXX XXXX XXXX XXXX High Balance : {$450.00} Date Opened : XX/XX/XXXX Chargeoff This account is reported as a charge-off but no original documentation, signed agreements, or proof of default has been provided. Reporting a charge-off without proper validation is a violation of FCRA 609 ( a ) ( 1 ) which gives me the right to all information in my file, and FCRA 611 which requires reinvestigation and deletion of unverifiable information. FDCPA 807 ( 8 ) also prohibits furnishing credit information known to be false. Since no proof has been shown, this entry must be deleted immediately XXXX XXXX XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late Payment This account is inaccurately reflecting late payments that I dispute. The creditor has not provided proof such as billing statements or official records showing that these payments were late. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. Additionally, FCRA 607 ( b ) requires consumer reporting agencies to ensure maximum possible accuracy. Because no proper validation has been provided, all late notations must be deleted immediately XXXX XXXX XXXX XXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Chargeoff This account is listed as a charge-off for a high balance, yet no evidence has been given to me showing default or legal documentation of the charge-off. Such reporting without proof is a direct violation of FCRA 611 ( a ) ( 5 ), which requires deletion of unverifiable items. The impact of a {$15000.00} charge-off on my report is severe and harmful, and because the creditor can not validate it, it must be deleted under FCRA 607 ( b ). Continued false reporting is willful noncompliance under FCRA 616 AXXXX XXXX XXXX XXXX XXXX High Balance : {$180.00} Date Opened : XX/XX/XXXX Chargeoff This small-balance account has been misclassified as a charge-off. No validation has been provided to substantiate this severe derogatory mark. Under FCRA 609 ( a ) ( 2 ), I am entitled to see the sources of information. If the credit bureau and furnisher can not provide original proof, the item must be deleted under FCRA 611. Reporting unverifiable information violates FDCPA 807 ( 2 ) ( A ) by misrepresenting the character of the debt XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Chargeoff This account is also inaccurately listed as a charge-off. The bureau has failed to provide proper documentation, which violates my rights under FCRA 611 ( a ). FCRA 623 ( a ) ( 3 ) requires furnishers to update and correct information when found to be incomplete or inaccurate, yet no corrections have been made. Because of this failure, I demand immediate deletion of this tradeline XXXX XXXX XXXX XXXX XXXX  High Balance : {$240.00} Date Opened : XX/XX/XXXX Chargeoff This charge-off is unverified and harmful. A charge-off is a serious derogatory entry that must be backed by strong documentation such as contracts and billing records. None of this has been provided. By law, unverifiable information must be deleted under FCRA 611 ( a ) ( 5 ). This tradeline must be permanently removed to restore compliance with federal law XXXX XXXX XXXX XXXX XXXX  High Balance : {$250.00} Date Opened : XX/XX/XXXX Chargeoff This account is another example of inaccurate reporting. The alleged charge-off has not been supported by any original records. Under FCRA 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, yet this account demonstrates negligence. Without validation, this entry violates both the FCRA and FDCPA and must be deleted immediately XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$170.00} Date Opened : XX/XX/XXXX Chargeoff This account is listed as a charge-off but can not be substantiated with proper documentation. Continued reporting of unverifiable charge-offs violates FCRA 616 and 617, exposing furnishers and bureaus to liability for damages. Since this entry is inaccurate and unverifiable, I demand its immediate deletion from my credit file XXXX XXXX XXXX XXXX XXXX High Balance : {$180.00} Date Opened : XX/XX/XXXX Chargeoff This account is misreported as a charge-off without any validation or proof. No original creditor documentation has been provided to show that this balance was charged off. Under FCRA 609 ( a ), I am entitled to full disclosure of the information being reported, and under 611 ( a ), unverifiable information must be deleted. Since no proof exists, this entry must be removed immediately XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$160.00} Date Opened : XX/XX/XXXX Chargeoff This account is listed as a charge-off for a small balance amount which is unreasonable and unverified. The bureau has failed to provide any supporting documents. FCRA 607 ( b ) requires maximum possible accuracy, yet this derogatory mark is inaccurate. Under FCRA 611 ( a ) ( 5 ), unverifiable charge-offs must be deleted. I request immediate deletion of this entry XXXX XXXX XXXX XXXX XXXX High Balance : {$130.00} Date Opened : XX/XX/XXXX Chargeoff This account is also inaccurately reported as a charge-off. Without creditor validation, continued reporting violates FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishing data known to be inaccurate. Furthermore, FDCPA 807 ( 8 ) prohibits reporting credit information known to be false. Since no validation has been produced, this tradeline must be deleted immediately XXXX XXXX XXXX XXXX XXXX High Balance : {$380.00} Date Opened : XX/XX/XXXX Chargeoff This charge-off is damaging and unverified. No evidence has been provided by the furnisher to show a legal charge-off occurred. Under FCRA 609 and 611, I have the right to verification or deletion. Reporting unverifiable data constitutes willful noncompliance under FCRA 616 and negligent noncompliance under 617. This account must be deleted without delay XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized and damaging to my credit profile. I never applied for credit with this company, and under FCRA 604 ( a ), a permissible purpose is required for any inquiry. Since no permissible purpose exists, this inquiry must be removed immediately XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me and does not have a permissible purpose. Reporting unauthorized inquiries violates FCRA 604. Unverified inquiries damage my credit score and misrepresent my credit activity. I request immediate removal XXXX XXXX XXXXXX/XX/XXXX Inquiry This is another unauthorized inquiry connected to the same company. The duplication of inquiries makes the damage even worse. Under FCRA 611 ( a ) ( 5 ), unverifiable inquiries must be deleted. I demand immediate deletion of this entry XXXX XXXX XXXXXX/XX/XXXX Inquiry This inquiry appears twice on my report and is both unauthorized and duplicate. No proof of permissible purpose has been given. Reporting duplicate and unauthorized inquiries violates FCRA 607 ( b ) accuracy requirements and FCRA 604 permissible purpose requirements. Both entries must be deleted immediately Consumer Harm & Legal Violations : These false charge-offs, unverifiable collections, and unauthorized inquiries have severely damaged my credit profile, resulting in denials for housing, auto loans, and credit opportunities. The reporting agencies and furnishers have failed to maintain maximum possible accuracy as required under FCRA 607 ( b ) and failed to conduct proper investigations under FCRA 611 ( a ). Additionally, debt collectors reporting unverifiable accounts are in violation of FDCPA 807 & 809. 
Requested Resolution : I request that the CFPB investigate these violations and require the credit bureaus and furnishers to : Immediately delete all inaccurate and unverifiable charge-offs, collections, and inquiries. 
Provide written confirmation that these accounts and inquiries have been permanently removed. 
Ensure my credit report reflects only accurate and verifiable information going forward. 
Thank you for your urgent attention to this matter. I expect a fair resolution as guaranteed under federal 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