Consumer complaint received 2025-10-23 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 because multiple furnishers and credit reporting agencies have continued to report inaccurate, unverified, and misleading information on my credit reports in violation of the Fair Credit Reporting Act ( FCRA ). These errors have caused damage to my credit profile and have not been properly corrected despite previous disputes. 

First, there are two wrong addresses being reported under my name : XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX. I have never lived at these addresses, and their inclusion violates the accuracy requirements under FCRA 1681e ( b ). 

Additionally, several accounts are being reported with late payments, charge-offs, and other inaccuracies. The accounts in question include : XXXX XXXX accounts ( XXXXXXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX ) with inaccurate late payment histories ; XXXX accounts ( XXXXXXXX XXXX XXXX ) with unverified late payment data ; XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) reported as a charge-off without proper validation ; and multiple XXXXXXXX XXXX XXXX accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX ) that are reporting inconsistent or incorrect payment information. 

There are also several XXXX XXXX accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) being reported as charge-offs between XX/XX/XXXX and XX/XX/XXXX. These appear to be duplicate, unverified, or erroneous entries that have not been validated as required under FCRA 1681s-2 ( b ). 

The following additional accounts also contain errors : XXXX ( XXXXXXXX XXXX XXXX ) showing outdated late payment information from XXXX, and XXXX  ( XXXXXXXX XXXX XXXX XXXX ) incorrectly reported as a charge-off opened in XXXX without verification. 

Furthermore, there are several unauthorized inquiries appearing on my report that I never approved or consented to, including : XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX  ( XX/XX/XXXX ). These inquiries were not authorized by me and must be removed immediately. 

These errors collectively represent serious violations of the Fair Credit Reporting Act, including : Failure to ensure maximum possible accuracy under 1681e ( b ) ; Failure to properly investigate disputes under 1681i ( a ) ; Failure of furnishers to provide proper verification under 1681s-2 ( b ) ; and Ongoing reporting of inaccurate and outdated information that has caused significant harm to my credit reputation and emotional distress. 

I respectfully request that the CFPB investigate these violations and take immediate corrective action. Specifically, I ask that the wrong addresses be removed, all unverified and inaccurate accounts be deleted or corrected, and all unauthorized inquiries be permanently removed. I also request written confirmation once these corrections are completed.

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