Consumer complaint received 2025-08-02 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:
b"To Whom It May Concern,\nI am filing this formal complaint against the credit bureaus and data furnishers for repeated and willful violations of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). My consumer rights are being violated due to the presence of numerous inaccurate, unverifiable, and fraudulent entries on my credit report. I have disputed many of these items directly, and yet the information remains, causing harm to my financial well-being, employment opportunities, and emotional health.\nBelow is a list of addresses, accounts, and inquiries that are either wrong, not mine, unverifiable, or reported inaccurately:\XXXX XXXX XXXX TX XXXXWrong Address\nIssue: This address has no relation to me and never belonged to me. Its presence is a result of file mixing or identity confusion.\nLaw: FCRA XXXX(b) states that consumer reporting agencies must ensure maximum possible accuracy.\nStory: This address might be connected to someone else's data but it is showing on my credit report, causing misidentification with potential creditors, damaging my reputation, and linking accounts that don't belong to meXXXX XXXX XXXX, TX XXXXnWrong Address\nIssue: This is not and has never been my residence.\nLaw: FCRA  XXXX gives me the right to dispute any information that is inaccurate.\nStory: Because this is showing on my file, I am being matched with accounts and inquiries that are not mine. It can lead to wrongful collection attempts and credit denials.XXXX XXXX XXXX XXXX XXXX, TX XXXXWrong Address\nIssue: Completely unfamiliar address, never resided there, and never used for any correspondence.\nLaw: FCRA XXXX and  XXXX(a) require accurate personal data reporting.\nStory: Keeping this on my report creates confusion for lenders, employers, and landlords. I worry this may have allowed fraudulent accounts to be opened in my name or linked to my file by mistake.\XXXX XXXX  Late Payment  High Balance: XXXX  Opened: XXXXIssue: Late payment was reported without full context and without communication.\nLaw: FCRA XXXX3(a)(1) prohibits reporting inaccurate data and requires proper notice.\nStory: I always made regular payments or communicated financial hardship. The creditor failed to notify me before reporting the late payment. This unfairly hurt my score despite my consistent history of repayment. I request full documentation or removalXXXX XXXX XXXX XXXX  Late Payment  High Balance: $XXXX  Opened: XXXXnIssue: Reporting of late payment for an account that has no proper validation or billing dispute resolution.\nLaw: FCRA XXXX(a)(1) and  XXXX  give me the right to verification.\nStory: I was never notified properly about the due amount nor given a fair chance to resolve the issue before derogatory reporting. This is unjust and goes against responsible consumer reporting practicesXXXX XXXX  Charge Off  High Balance: $XXXX  Opened: 1XXXXnIssue: A charge-off with XXXX balance indicates either closed or resolved account, yet derogatory status remains.\nLaw: FCRA XXXX(a) prohibits retaining negative data without balance or activity.\nStory: Keeping a charge-off mark with XXXX  owed gives a misleading image to lenders and ruins my ability to obtain new credit. Its misleading and damagingXXXX XXXX XXXX  Charge Off  High Balance: $XXXX  Opened: XXXXIssue: Charge-off reported without proper billing or opportunity to settle.\nLaw: FCRA XXXX(a)(XXXX) mandates notice before derogatory reporting.\nStory: I was not given the chance to dispute or discuss the debt. Instead, I was blindsided with a charge-off which severely damaged my report.XXXX XXXX XXXX  Charge Off  High Balance: $XXXX  Opened: XXXXIssue: Charge-off was applied despite payment arrangements and hardship notification.\nLaw: FCRA XXXXb) and FDCPA  XXXX   no deceptive collection activity allowed.\nStory: I informed the creditor of hardship and made partial payments. Still, they added a charge-off which misrepresents the relationship and caused major credit damage.XXXX XXXX XXXX   Charge Off  High Balance: $XXXX  Opened: XXXXIssue: Charge-off resulted from improper billing and unexplained fees.\nLaw: FCRA  XXXX(a) and XXXXa)(XXXX) require full validation upon request.\nStory: I repeatedly asked for billing breakdown and received none. The reporting is unjust and legally disputable.XXXX XXXX   Late Payment  High Balance: $XXXX  Opened: XXXXIssue: Late payment reported despite agreed deferral and financial hardship.\nLaw: FCRA  XXXX(a)(XXXX)(A) mandates accurate furnishing of data.\nStory: During a temporary job loss, I arranged a payment pause, which was not honored. The creditor failed to fulfill their agreement, yet reported late and damaged my credit heavily.\XXXX XXXX   Late Payment  High Balance: $XXXX  Opened: XXXXIssue: Inaccurate late reporting with no documentation.\nLaw: FCRA XXXX(a)(XXXX)  right to request documentation proving delinquency.\nStory: I paid off the balance early. Reporting a late mark is not just false but defamatory. I demand immediate removalXXXX XXXX XXXX  Charge Off  High Balance: $XXXX  Opened: XXXXIssue: Energy service account wrongly marked as charged off without validation.\nLaw: FCRA XXXX  consumer has right to dispute and demand reinvestigation.\nStoryXXXX XXXX  failed to respond to billing dispute and placed a charge-off unjustly, which continues to hurt my score even after I paid a corrected balance.XXXX XXXX  Charge Off  High Balance: $XXXX   Opened: XXXXIssue: Duplicate reporting of same debt already listed under another Possible Finance account.\nLaw: FDCPA XXXX(A) prohibits misleading duplication.\nStory: XXXX  listings for same debt make my profile look riskier than it is. This is deceptive and should be corrected immediately.\XXXX XXXX   Collection  High Balance: $XXXX   Opened: XXXXnIssue: No contact or notice of this collection prior to reporting.\nLaw: FDCPA  XXXX(a)  must notify debtor within XXXX  days of collection.\nStory: No letter, no calls, no validation. This account popped up without my knowledge. It is suspicious and must be removed until verified.XXXX XXXX XXXX  Collection  High Balance: $XXXX   Opened: XXXXIssue: Debt amount is inflated and unverifiable.\nLaw: FDCPA  XXXX   prohibits misrepresentation of debt amount.\nStory: I requested an itemized statement and received nothing. Its abusive and dishonestXXXX XXXX  Collection  High Balance: $XXXX  Opened: XXXXnIssue: Unknown medical debt or billing misplacement.\nLaw: FCRA  XXXX(a) and FDCPA XXXX  right to dispute and verify debt.\nStory: I was unaware of any medical balance. Reporting it without validation is unjust and legally challengeableXXXX XXXX XXXX  Collection  High Balance: $XXXX   Opened: XXXX\nIssue: Third-party collection reported without communication.\nLaw: FDCPA  XXXX  debt collector must notify and allow dispute.\nStory: I never heard from XXXX They blindsided me with this reporting and never gave me a chance to respond.XXXX XXXX   Collection  High Balance: $XXXX  Opened: XXXXssue: Possibly duplicate of XXXX XXXX above.\nLaw: FCRA XXXX(b)  prohibits redundant and confusing entries.\nStory: Appears to be the same debt but reported under different names. This is unethical and harmful.\nUnauthorized Inquiries (No Permission GivenXXXX XXXX XXXX XXXXIssue: I did not authorize or initiate credit applications with these entities.\nLaw: FCRA XXXXa)(XXXX prohibits credit inquiries without consumer authorization.\nStory: These hard pulls were made without my knowledge or consent, likely the result of data misuse or identity error. They have lowered my credit score and compromised my privacy.\nI am requesting that the Consumer Financial Protection Bureau (CFPB) conduct a thorough investigation into these ongoing and harmful violations. These errors continue to impact my credit standing and financial security. I have previously disputed with the credit bureaus directly but have not received proper relief. I am attaching my identification documents and supporting evidence for review.\nPlease ensure that these violations are addressed immediately, the inaccurate items are permanently removed from my credit reports, and appropriate action is taken against the responsible furnishers and agencies.\nThank you for your time and attention."

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