Consumer complaint received 2025-11-01 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 against the inaccurate and unlawful reporting of my consumer information by certain furnishers and credit reporting agencies. The violations below concern false address information, an unauthorized hard inquiry, and an improper charge-off account. I am demanding an immediate investigation, deletion, and correction of all erroneous data in compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address does not belong to me and must be deleted immediately. I have never lived or received mail at this location. Reporting an address without proper verification violates FCRA Section 607 ( B ), which requires consumer reporting agencies to ensure maximum possible accuracy. Continuing to associate me with an inaccurate address also breaches FCRA Section XXXX ( A ) ( XXXX ), as you have not provided proof of the source used to verify it. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Charge Off * * This account was never properly verified, and no original documentation proving liability was provided. Reporting this charge-off without validation violates FCRA 611 ( A ) and FDCPA 809 ( B ), as there was no legitimate proof that this debt belongs to me. The continued reporting of unverifiable data indicates noncompliance with FCRA 607 ( B ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Charge Off * * This account remains inaccurately reported after prior disputes. There is no verifiable record of the charge-off event or account ownership under my name. Failing to properly reinvestigate this violates FCRA 611 ( A ) ( 1 ) ( A ), and reporting unverifiable data violates FCRA 607 ( B ). I demand complete deletion unless verifiable signed documentation from the original creditor is produced. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Charge Off * * This item reflects inconsistent reporting between bureaus and no creditor verification. Such inconsistencies demonstrate failure to ensure data accuracy as required by FCRA 602 ( A ) and 607 ( B ). Without documentation bearing my signature, this entry must be permanently deleted to comply with federal law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$720.00} Late Payment * * Late payment entries are inaccurate and lack supporting billing history. Reporting such unverifiable information breaches FCRA 607 ( B ) and 611 ( A ). The creditor failed to provide any authenticated proof during prior disputes, violating the duty to verify under 611 ( A ) ( 2 ). 

XXXX  XXXX XXXX Date Opened XXXX XXXXXX/XX/XXXX Balance Owed : {$42.00} Charge Off * * No contract, billing statement, or payment record has been verified for this account. Continuing to report a charge-off without proper substantiation breaches FCRA 607 ( B ) and FDCPA 807 ( 8 ), which prohibits false or misleading credit reporting. 

XXXX  XXXX XXXX Date Opened XXXX XXXXXX/XX/XXXX Balance Owed : {$37.00} Charge Off * * This item was never verified by the furnisher with accurate documentation. FCRA Section 611 ( A ) mandates reinvestigation within 30 days, which was not honored. Continued reporting of unverifiable information constitutes willful noncompliance under FCRA 616. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Charge Off * * There is no lawful evidence establishing this account as mine. Without full validation from the original creditor, this charge-off must be deleted per FCRA 611 ( A ) and FDCPA 809 ( B ). Any continued reporting is a direct violation of FCRA 602 ( A ). 

XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120.00} Charge Off * * Inaccurate and unverified account information remains despite prior dispute. Reporting unverifiable data breaches FCRA 607 ( B ), while failure to reinvestigate upon consumer request violates FCRA 611 ( A ). This account should be removed immediately. 

XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$670.00} Charge Off * * The continued presence of this charge-off indicates your failure to ensure data accuracy. There is no verifiable contract or creditor validation, violating FCRA 602 ( A ), 607 ( B ), and 611 ( A ). 

XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} Charge Off * * This entry is not supported by any consumer-verified document. Such reporting violates FCRA 609 ( A ) ( 1 ), as I have not been provided the source of verification. Please remove immediately per FCRA 611 ( A ) ( 1 ) ( A ). 

XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off * * The account reports a {$0.00} balance but still shows as a charge-off, which is contradictory and inaccurate. This violates FCRA 607 ( B ) and FCRA 611 ( A ), as reporting inconsistent data damages my credit reputation. 

XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$27.00} Charge Off * * No verification was provided despite multiple disputes. Continued reporting without validation is a clear breach of FCRA 611 ( A ) and FDCPA 807 ( 8 ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Charge Off * * This account has inconsistent balance reporting across bureaus, which demonstrates data inaccuracy under FCRA 602 ( A ). If the account can not be fully verified with original signed documentation, it must be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Charge Off * * This collection-type charge-off was never validated by the original creditor. Reporting unverified debt violates FCRA 611 ( A ) and FDCPA 809 ( B ). Immediate deletion is required by law. 

XXXX XXXX  XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection XXXX XXXXXXXX XXXX has failed to provide any legal documentation of ownership or assignment of this debt. Under FDCPA 807 ( 8 ) and FCRA 611 ( A ), this entry must be deleted for non-verification. 

XXXX XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Collection * * This XXXXparty collector can not legally report without proof of assignment from the original creditor. Their failure to provide such proof violates FDCPA 809 ( B ) and FCRA 611 ( A ). 

XXXX XXXX XXXX XXXX : {$8200.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX No consumer authorization or original account documentation has been provided. Reporting unverified information is a breach of FCRA 607 ( B ) and FDCPA 807 ( 8 ). 

XXXX XXXX XXXX XXXX High Balance : {$360.00} Date Opened : XX/XX/XXXX Collection This collection item lacks verified proof of debt ownership and violates FCRA 611 ( A ) and FDCPA 809 ( B ). Without verified source documentation, it must be deleted immediately. 

INQUIRIES 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 XXXXXX/XX/XXXX These inquiries were unauthorized and made without permissible purpose as defined under FCRA 604 ( A ) ( 3 ). Continued reporting of unauthorized inquiries violates FCRA 604 and 615 ( a ). Remove these inquiries immediately to maintain compliance with federal law. 

I request the XXXX intervention to ensure full compliance with the FCRA and FDCPA, deletion of all inaccurate data, and appropriate penalties for the parties involved. I am demanding all inaccurate or unverifiable information be permanently removed and confirmation provided to me in writing.

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