Consumer complaint received 2025-08-05 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 submitting this formal complaint to the Consumer Financial Protection Bureau under the rights granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report currently contains multiple inaccuracies, unverifiable debts, and unauthorized inquiries that are severely affecting my financial life and peace of mind. Despite repeated disputes, these errors remain unresolved, and I am now escalating this matter for your urgent attention. 
XXXX XXXX XXXX XXXX  XXXX Issue : This address does not belong to me and is incorrectly associated with my credit file. Law : FCRA Section 611 entitles me to dispute inaccurate or incomplete information. Story : Incorrect address listings mislead creditors and background checkers, potentially causing misattribution of credit behavior or identity confusion. This impacts my credit reliability and could result in wrongful denial of credit or services. Prompt removal is warranted to maintain report integrity. 

XXXX XXXX XXXX XXXX XXXXXXXX Issue : Misreported address unrelated to my residency. Law : FCRA Section 1681e ( b ) requires maximum possible accuracy of consumer report information by furnishers. Story : This incorrect information reflects negligent reporting and fosters misinformation that jeopardizes my credit evaluation. Such inaccuracies may be grounds for identity misuse or erroneous negative credit implications demanding immediate correction. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Additional incorrect address listed on my report. Law : FCRA Section 623 ( a ) ( 2 ) obligates furnishers to ensure data accuracy. Story : Continued reporting of erroneous residence information fosters identity confusion and damages my credit reputation, requiring prompt action to remove inaccurate data. 

XXXX  XXXX XXXX Issue : Disputed charge off with a balance of {$310.00} dating from XX/XX/XXXX. Law : FDCPA Sections 809 and 804 require debt validation ; FCRA Section 611 mandates dispute resolution. Story : This charge off is unsubstantiated and inconsistent with my records, severely impacting my credit score and financial standing. I request immediate verification or deletion to prevent unlawful hardship. 

XXXX XXXX Issue : Disputed charge off of {$350.00} dated XX/XX/XXXX. Law : FCRA Sections 607 and 611, FDCPA validation rules. Story : This charge off was reported without my authorization or adequate validation, constituting an unlawful negative entry. Corrective action is necessary. 

XXXX XXXX XXXX XXXXXXXX Issue : Disputed late payment of {$720.00} from XX/XX/XXXX without validation. Law : FCRA requires accurate, verified reporting. Story : This erroneous late payment compromises my credit profile and must be expunged. 

XXXX XXXX XXXXXXXX Issue : {$400.00} charge off from XX/XX/XXXX unverified and outdated. Law : FCRA Section 605 requires removal of unverifiable adverse information. Story : Retaining unverifiable derogatory entries unjustly lowers my credit score and violates federal law. 

XXXX XXXXXXXX XXXX XXXX XXXX  Issue : Multiple late payments with inconsistent balances and dates reported without proper disclosure. Law : FCRA sections on dispute validation and accurate reporting. Story : These numerous inaccuracies cumulatively degrade my creditworthiness, constituting a violation warranting thorough re-investigation and removal of incorrect data. 

XXXX  XXXX Issue : {$17000.00} charge off opened XX/XX/XXXX without proper notice or validation. Law : FCRA Section 609 protects consumers rights to debt verification. Story : Large unverified charge offs severely degrade credit standing and must be validated or expunged. 

In sum, these numerous incorrect address records, disputed charge offs and late payments, unauthorized collections, and illicit credit inquiries represent significant violations of my consumer rights under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and applicable state laws. These inaccuracies inflict ongoing, substantial damage to my creditworthiness and financial reputation. 

Final Note : These errors have caused me repeated emotional distress, financial loss, and embarrassment. Despite contacting the furnishers and credit bureaus, no resolution has occurred. I respectfully request CFPB 's intervention to : 1. Fully investigate all inaccurate accounts, addresses, and inquiries.

2. Compel the furnishers to provide documented proof or delete the items.

3. Ensure all entities comply with the FCRA and FDCPA.

4. Provide a written resolution within the legal timeframe. 
Thank you for your time and support in helping protect 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