Consumer complaint received 2025-10-30 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:
This letter serves as a formal dispute and demand for reinvestigation of inaccurate, unverifiable, and misleading information currently appearing on my Experian credit report. These entries violate the Fair Credit Reporting Act ( FCRA ), including but not limited to XXXX ( b ) ( failure to assure maximum accuracy ), XXXX ( a ) ( failure to investigate disputed information ), and XXXX ( b ) ( duty of furnishers to report accurate data ). 

The following accounts are being reported inaccurately and must be investigated, corrected, or deleted immediately in compliance with federal law : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$74000.00} Reported as Late Payment. 
This account contains inaccurate late payment information. I have never made a late payment, and this false reporting violates FCRA XXXX ( b ). Please update this account to reflect a perfect payment history. 

XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$790.00} Reported as Charge Off. 
I have no knowledge or record of this account. This is unverifiable and inaccurate, and must be deleted immediately as required by FCRA XXXX ( a ) ( XXXX ) ( A ). 

XXXX XXXX BANK XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} Reported as Charge Off. 
This entry is false and unverifiable. Continued reporting without documentation is a willful violation of XXXX ( b ). Please delete this account. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} Reported as Charge Off. 
I have no contractual relationship with this creditor. This account is unverifiable and must be deleted in compliance with XXXX ( a ). 

XXXX DIGITAL/SYNOVUS/VT XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Reported as Charge Off. 
This reporting is incorrect and misleading. There is no valid documentation verifying this account. Please remove this entry immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Reported as Charge Off. 
This is a duplicate and inconsistent entry with differing balance and date information. Reporting duplicate accounts violates FCRA XXXX ( b ). Please delete this tradeline. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$70.00} Reported as Late Payment. 
This reporting is inaccurate. I have never made a late payment to this creditor. Please correct this account to show a perfect payment history under FCRA XXXX ( b ). 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Reported as Late Payment. 
This is false reporting. There is no valid record of any late payment. Please correct or delete this information as required by XXXX ( a ) ( XXXX ) ( A ). 

CREDIT XXXX BANK NA XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Reported as Late Payment. 
This account is being misreported. I have no record of late payment, and this inaccuracy must be corrected or removed under FCRA XXXX ( a ). 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} Reported as Late Payment. 
This entry is inaccurate and unverified. I have maintained timely payments. Please correct or delete this account immediately under XXXX ( b ). 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} Reported as Charge Off. 
I have no knowledge or record of this account. It is unverifiable and must be deleted immediately under XXXX ( a ) ( XXXX ) ( A ). 

XXXX XXXX BANK SS XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Reported as Late Payment. 
This entry is false and harmful. I have never been late on this account. Please update this record to reflect accurate payment history. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} Reported as XXXX XXXX. 
This reporting is incorrect. There is no valid evidence supporting delinquency. Please verify or delete this information immediately under XXXX ( a ). 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Reported as Late Payment. 
This reporting is factually inaccurate. I have no such payment history. Please remove this entry in compliance with FCRA XXXX ( b ). 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Reported as Collection. 
I have never had any account with this collection agency. This is false information that must be deleted immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Reported as Collection. 
This collection is unverifiable and inaccurate. Please delete this entry under XXXX ( a ) ( XXXX ) ( A ). 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} Reported as Collection. 
I have no record of this debt. Continued reporting without proof constitutes willful noncompliance under XXXX. Please delete this account. 

Additionally, my credit report shows unauthorized and impermissible inquiries that I did not approve, which violates FCRA XXXX ( a ) : XXXX Inquiry Date : XX/XX/XXXX ONEMAIN Inquiry Date : XX/XX/XXXX WELLSFARGO Inquiry Date : XX/XX/XXXX XXXX FINANCE/TB Inquiry Date : XX/XX/XXXX XXXX BANK DELAWARE XXXX Date : XX/XX/XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These unauthorized inquiries must be immediately deleted. 

Lastly, my credit file lists incorrect addresses that I have never lived at or used : XXXX XXXX XXXX HUMBLE, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX addresses are false and inaccurate and must be removed immediately under FCRA XXXX ( b XXXX. 

Under FCRA XXXX ( a ) ( XXXX ), Experian is required to complete a full reinvestigation within XXXX days of receiving this dispute. If any item can not be verified with original documentation, it must be deleted immediately under XXXX ( a ) ( XXXX ) ( A ). 

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible civil action under FCRA XXXX for willful noncompliance. 

Please provide written confirmation of all deletions and corrections, along with an updated copy of my Experian credit report once your reinvestigation is complete.

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