Consumer complaint received 2025-09-10 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 complaint regarding multiple inaccuracies, false reporting, and violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. These errors are causing severe damage to my credit profile, financial opportunities, and personal well-being. I demand immediate investigation, correction, and validation of all items listed below. 
XXXX XXXX XXXX, TX XXXX This address is incorrectly reported on my credit report. I have never lived at this location. The inclusion of this false address misleads lenders, creditors, and other entities regarding my residency history. Misreporting of addresses violates FCRA 1681e ( b ), which requires maximum possible accuracy. The presence of incorrect addresses has caused confusion, delayed credit approvals, and created suspicion of fraudulent activity linked to my profile. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This is another false address reported on my file. I have no connection to this property. FCRA 1681e ( b ) obligates CRAs to ensure the information they report is accurate. Each incorrect address lowers confidence in my credit history and increases scrutiny from lenders. This misreporting has directly affected my ability to secure loans and maintain financial stability. 
XXXX XXXX XXXX XXXX XXXX : {$1500.00} Date Opened : XX/XX/XXXX This account shows late payments that are inaccurate. I have documentation proving all payments were made on time. Reporting false late payments violates FCRA 1681s-2 ( b ) and falsely reduces my credit score. The inaccurate reporting has resulted in higher interest rates, denied loan applications, and significant stress. The repeated reporting of this error indicates negligence and lack of proper verification by the creditor. 
XXXX XXXXXXXX XXXX XXXX : {$2600.00} Date Opened : XX/XX/XXXX Late payments are incorrectly reported. I dispute these entries and request removal or correction. Failing to report accurately violates FCRA and shows reckless reporting practices. The false reporting has impacted my ability to secure financing and has created unnecessary financial anxiety. This inaccurate entry misrepresents my financial responsibility and could be considered a willful violation of my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$1400.00} Date Opened : XX/XX/XXXX This account is reported as charged off inaccurately. I have never received proper notification or validation of this debt, which violates FDCPA 809 and FCRA 1681s-2 ( a ). The incorrect charge-off has negatively impacted my credit score, causing difficulties in obtaining mortgages, car loans, and other essential credit services. The reporting of this unverified debt is misleading and harmful. 
XXXX XXXX XXXX XXXX : {$690.00} Date Opened : XX/XX/XXXX Late payments reported are false. I have records showing timely payments. Inaccurate reporting violates FCRA 1681e ( b ). This misreporting damages my reputation, creditworthiness, and opportunities for financial advancement. The repeated negligence in reporting demonstrates a failure to follow statutory obligations. 
XXXX XXXX XXXX XXXX : {$1100.00} Date Opened : XX/XX/XXXX This account is reported as a charge-off incorrectly. I dispute this and request its immediate removal. The false charge-off has harmed my ability to obtain credit, created distrust among lenders, and caused emotional and financial stress. The reporting agencys failure to verify the accuracy of this information demonstrates clear non-compliance with FCRA obligations. 
XXXX XXXX XXXX XXXX : {$500.00} Date Opened : XX/XX/XXXX Reported late payments are inaccurate. I have documentation proving timely payments. FCRA 1681i mandates a reasonable investigation of disputed information, which has not been conducted. This false reporting has affected my credit score, financial opportunities, and overall trust in credit reporting practices. Repeated negligent reporting indicates systemic issues that require immediate correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Reported as a charge-off inaccurately. I have documentation proving timely payments and dispute this entry. Reporting unverified charge-offs violates FCRA 1681s-2 ( b ) and FDCPA 809. This false reporting has harmed my credit score, causing loan denials, higher interest rates, and undue stress. The repeated inaccuracy shows negligence on the part of the creditor and reporting agencies. 
XXXX XXXX XXXX XXXX High Balance : {$16000.00} Date Opened : XX/XX/XXXX * * This account is falsely reported as charged off. I have records demonstrating proper payment history. Misreporting of charge-offs violates FCRA 1681e ( b ) requiring maximum possible accuracy. This inaccurate reporting has affected my ability to obtain credit, secure financial agreements, and maintain trust with lenders. The systemic errors suggest deliberate negligence. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$31000.00} Date Opened : XX/XX/XXXX * * Reported late payments are inaccurate. I dispute these entries and demand correction. FCRA 1681s-2 ( b ) obligates verification of reported delinquencies. The false reporting has caused higher auto loan rates, credit denial, and misrepresentation of my financial responsibility. This erroneous entry negatively impacts my creditworthiness, employment opportunities, and access to essential financial services. 
XXXX XXXX XXXX * XXXX XXXX : {$3100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Reported as a collection inaccurately. I have no record of delinquency. The reporting violates FCRA 1681s-2 ( b ) and FDCPA obligations. This misrepresentation is harming my financial reputation and credit opportunities. I demand immediate investigation and removal or correction of this account. 
XXXX XXXX XX/XX/XXXX XXXX XXXX inquiry. I did not authorize this pull of my credit report. FCRA 1681b requires explicit consumer authorization for inquiries. This inquiry is damaging my credit reputation and must be removed. 
XXXX XXXX XX/XX/XXXX Inquiry I dispute this hard inquiry. No prior authorization was given. Unauthorized credit inquiries harm my credit profile, violate federal law, and must be removed immediately. 
XXXX XXXXXXXX XXXX  XX/XX/XXXX Inquiry Unauthorized. No consent was provided. Reporting this inquiry is a violation of FCRA 1681b and negatively impacts my credit. Immediate removal is demanded. 
These repeated false charge-offs, late payments, collections, wrong addresses, and unauthorized inquiries are causing substantial financial harm, undue stress, and limiting my access to credit and essential services. I request CFPB compel all reporting agencies and creditors to investigate, verify, and correct all inaccuracies immediately. Continued reporting of these errors is a violation of federal law and my consumer rights.

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