Consumer complaint received 2025-08-27 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:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate items appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, I have the right to dispute and demand correction of any information that is inaccurate, incomplete, or unverifiable. I am notifying the Consumer Financial Protection Bureau ( CFPB ) to ensure oversight and enforcement of my consumer rights. Each of the following items is either incorrectly reported or contains unverifiable information, causing undue harm to my credit profile, financial stability, and personal reputation. 
XXXX XXXX XXXX, TX XXXX Wrong Address This address has been incorrectly listed on my credit report. I have never resided at this location, nor have I had any legal, billing, or personal association with this property. The presence of this incorrect address raises concerns of identity confusion and possible fraudulent activity. FCRA Section 609 ( a ) ( 1 ) requires verification of information reported. I demand immediate investigation and deletion. Reporting inaccurate addresses is a direct violation of federal law and can severely affect my ability to access credit. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is fraudulent on my credit report. I have no connection to this property, and its reporting suggests negligence or willful misreporting by the furnisher. Under FCRA 611, I am entitled to have all unverifiable information deleted. The presence of such false data exposes me to identity theft risks and unjust credit denial. 
XXXX XXXX XXXX Charge Off High Balance : {$450.00} Date Opened : XX/XX/XXXX This account is reported as a charge-off, which I dispute. I maintain records indicating timely payments, and the reporting XXXX misrepresent my payment history. FCRA XXXX obligates the credit bureau and the furnisher to verify all disputed information. Charge-off reporting without proper documentation is unlawful and damaging to my XXXX XXXX, potentially affecting my ability to obtain new credit or favorable terms. 
XXXX XXXX XXXXXXXX * Charge Off High Balance : {$10000.00} Date Opened : XX/XX/XXXX This account has been incorrectly reported as a charge-off. Payments were made according to the original agreement, and the reporting does not reflect my actual payment behavior. FCRA XXXX ( b ), XXXX ( a ), and XXXX ( a ) mandate that furnishers ensure accuracy and allow consumers to dispute errors. Reporting unverified charge-offs constitutes a willful violation of my consumer rights and has a direct negative impact on my creditworthiness. 
XXXX XXXX XXXX Repossession High Balance : {$19000.00} Date Opened : XX/XX/XXXX I dispute the repossession listed on my report. I have evidence indicating that repossession was either improperly recorded or misreported. FCRA XXXX requires that furnishers substantiate claims with documentation. Incorrect repossession reporting significantly damages my credit profile and financial opportunities, which constitutes a legal violation under federal law. I demand immediate investigation and deletion if unverified. 
XXXX XXXX XXXX XXXXXXXX Collection High Balance : {$720.00} Date Opened : XX/XX/XXXX I dispute this collection account. I never owed this amount, nor did I authorize its reporting. Under FCRA XXXX, I have the right to request verification. Reporting unverified collections is a violation of federal consumer protection laws and damages my reputation, causing unwarranted financial distress. 
XXXX XXXX XXXX XXXX * * Collection High Balance : {$280.00} Date Opened : XX/XX/XXXX This account is reported inaccurately. I dispute its validity and request complete documentation of any debt claimed. FCRA XXXX ( a ) requires furnishers to ensure accurate reporting and to respond to disputes. Failure to validate this collection is unlawful and necessitates deletion. 
XXXX XXXX * Collection High Balance : {$880.00} Date Opened : XX/XX/XXXX This account is being reported as a collection, which I dispute entirely. I have never received proper notice, billing statements, or validation of this debt. Reporting unverified collections is a direct violation of FCRA XXXX, which mandates proper investigation of disputed items. The presence of this erroneous collection has resulted in denied credit applications, increased interest rates on existing accounts, and undue stress affecting my personal and professional life. I demand immediate deletion if unverifiable. 
XXXX XXXX XXXX Collection High Balance : {$350.00} Date Opened : XX/XX/XXXX This collection account is erroneous and unverifiable. I dispute the validity of this debt and request full documentation. XXXX XXXX has not provided proof, violating FCRA XXXX. Reporting false debts creates financial hardship, unnecessary stress, and a negative impact on my ability to secure fair credit. 
XXXX XXXX XXXX XXXX XXXX  Collection High Balance : {$4700.00} Date Opened : XX/XX/XXXX I dispute this account as it has been inaccurately reported. The alleged debt is either misrepresented or completely invalid. FCRA XXXX requires furnishers to investigate disputed items thoroughly. Reporting unverified collections of this magnitude has caused significant credit damage, impacting my mortgage applications, auto loans, and overall financial stability. XXXX deletion is required if unverifiable. 
XXXX XXXX * * Collection High Balance : {$1700.00} Date Opened : XX/XX/XXXX This account is incorrectly reported. I dispute the validity of this collection and demand proof. FCRA XXXX ( b ), XXXX ( a ), and XXXX require furnishers to provide evidence supporting disputed claims. Misreporting of this nature directly affects my financial credibility, credit access, and increases borrowing costs. 
XXXX XXXX XXXXXXXX Collection High Balance : {$800.00} Date Opened : XX/XX/XXXX This account is inaccurate and unverifiable. I have no connection to this agency, and I dispute its reporting. FCRA XXXX mandates that unverified information must be removed. Reporting such accounts has caused wrongful denials of credit and unnecessary financial stress, which is a violation of my consumer rights. 
XXXX XXXX XXXX Collection High Balance : {$310.00} Date Opened : XX/XX/XXXX I dispute this account. I have never owed this amount, nor have I received verification. XXXX affects my creditworthiness, loan eligibility, and employment background checks. FCRA XXXX ( b ) and XXXX obligate the furnisher to correct or remove unverifiable accounts. XXXX deletion is required. 
XXXX XXXX * XXXX XXXX XXXX : {$930.00} Date Opened : XX/XX/XXXX This collection is inaccurate. I dispute its validity and request full documentation. FCRA XXXX requires verification of disputed information. Reporting unverified collections is illegal, damages my credit, and can result in denials of loans, higher insurance premiums, and financial hardship. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. Under FCRA XXXX, any hard inquiry requires explicit consumer authorization. Reporting this inquiry without consent is unlawful and affects my creditworthiness. XXXX removal is required. 
I request that all disputed items be thoroughly investigated, verified, and corrected or deleted immediately. I also request written confirmation of the investigation results, including all documentation used to verify these items. Continued reporting of unverified or inaccurate information constitutes a willful violation of the FCRA and other federal consumer protection laws.

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