Consumer complaint received 2025-09-29 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 formal complaint to dispute multiple inaccuracies on my credit report. Under 15 U.S.C. 1681i ( FCRA ), I am entitled to dispute any information that is incomplete, inaccurate, or unverifiable. Additionally, under 15 U.S.C. 1692 ( FDCPA ), deceptive, unfair, or misleading reporting is prohibited. I demand immediate investigation and correction of the following accounts : XXXX XXXX XXXX XXXX, TN XXXX Wrong Address This address has never been associated with me in any way. Its appearance on my credit file is false and may mislead lenders into associating activities or debts with me that I never authorized. The reporting of inaccurate addresses is a direct violation of FCRA 1681e ( b ), which requires credit reporting agencies to maintain accurate data. This erroneous address could negatively impact my creditworthiness, mortgage applications, and employment verification. Immediate deletion is required. 
XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX Wrong Address This address is entirely unrelated to me. Reporting it as my residence falsely inflates my address history and can misrepresent my identity. Under FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to dispute such information and have it corrected or deleted. Its presence threatens my financial reputation and can create confusion regarding my liability for debts. I request complete removal. 
XXXX XXXX XXXXXXXX XXXX  Charge Off High Balance : {$600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX I have no knowledge of this account and never authorized or used it. Its reporting as a charge-off is fraudulent and has caused significant distress. Under FCRA 1681i ( a ), unverifiable information must be deleted. This false entry could mislead creditors, result in denial of credit, and harm my financial reputation. Immediate deletion is necessary to prevent further harm. 
XXXX XXXXXXXX XXXX  XXXX XXXX Off High Balance : {$410.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This account does not belong to me. It is being reported as a charge-off despite my non-association, violating FCRA 1681s-2 ( b ), which mandates that furnishers report accurate information. The continued presence of this account exposes me to potential fraud, collection harassment, and credit denial. Immediate deletion is requested. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Late Payment High Balance : {$62.00} Date Opened : XX/XX/XXXX XXXX XXXX This account is inaccurately reported as having late payments. I never opened or used this account. Under FCRA 1681i, I have the right to request correction of inaccurate payment histories. Misreporting late payments falsely damages my credit score and can influence loan approvals, interest rates, and rental applications. I request correction to reflect accurate status. 
XXXX XXXX XXXX XXXX XXXXXXXX Late Payment High Balance : {$550.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This account is reported with late payments that are completely inaccurate. I never held or authorized this account. The inaccurate reporting violates FCRA 1681e ( b ), which requires maximum possible accuracy in consumer reporting. The false late payment could affect my ability to secure loans, credit cards, and housing, causing undue financial hardship. Correction is required immediately. 
XXXX XXXX XXXX XXXX Payment High Balance : {$820.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This account falsely lists late payments. I have no knowledge of opening or using this account. Such misreporting constitutes a violation of FCRA 1681s-2 ( b ), which obligates furnishers to report only accurate information. The negative impact on my credit reputation and financial life is substantial. I demand correction and verification. 
XXXX XXXX XXXX  XXXX Late Payment High Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX This account is incorrectly reported as delinquent. I never opened or authorized this account. Reporting false late payments violates FCRA 1681i ( a ) and can result in harm to my credit score, mortgage eligibility, and financial credibility. I request immediate correction to reflect accurate history. 
XXXX XXXX XXXX XXXX XXXX XXXX Late Payment High Balance : {$620.00} Date Opened : XX/XX/XXXX XXXX XXXX This account is inaccurately reported as having late payments. I have never missed payments on accounts legitimately opened by me, and I have no knowledge of this account being delinquent. Reporting false late payments is a violation of FCRA 1681e ( b ) and can severely impact my credit score, interest rates, and ability to obtain loans or housing. I request immediate correction to reflect accurate payment history. 
XXXX XXXX XXXX XXXX Late Payment High Balance : {$340.00} Date Opened : XX/XX/XXXX XXXX XXXX  This account is falsely reported as late. I have never been late on payments for any account I hold, and reporting inaccuracies constitute a violation of FCRA 1681i ( a ). False negative reporting harms my creditworthiness, affects employment verification, and can mislead lenders. I request immediate correction. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Late Payment High Balance : {$1500.00} Date Opened : XX/XX/XXXX * * This account is inaccurately marked as delinquent. I have never missed payments or had any issues with this account. Under FCRA 1681s-2 ( b ), furnishers must report only accurate information. False late payments negatively impact my credit score and create undue stress. Correction is demanded immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late Payment High Balance : {$28000.00} Date Opened : XX/XX/XXXX XXXX XXXX  This account falsely reflects late payments. I have no history of late payments for this account, and such reporting is misleading. Under FCRA 1681e ( b ), the information must be accurate and verifiable. I request immediate correction of this inaccuracy to prevent further damage to my credit profile and potential financial loss. 
XXXX XXXX XXXX XXXX XXXX Late Payment High Balance : {$520.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX  This account is being reported inaccurately as delinquent. I have never missed any payments. Reporting false late payments violates FCRA 1681i and can adversely affect my creditworthiness, loan approvals, and financial reputation. I request prompt correction. 
XXXX XXXXXXXX XXXX XXXX XXXX  Charge Off High Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX I have no knowledge of this account and never authorized it. Reporting a charge-off without my consent is false and constitutes a violation of FCRA 1681i ( a ). Such inaccurate reporting can mislead lenders, create fraudulent liability, and harm my credit reputation. I request deletion of this account immediately. 
XXXX XXXX XXXXXXXX Collection High Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX This collection account is reported inaccurately. I have no knowledge or association with this debt. Reporting unverifiable collections violates FCRA 1681i ( a ) ( 1 ) ( A ) and can result in financial harm, denial of credit, and undue stress. Immediate deletion or verification is required. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Late Payment High Balance : {$240.00} Date Opened : XX/XX/XXXX This account is inaccurately reported as having late payments. I have never been late on any legitimate accounts and request correction under FCRA 1681i. False reporting adversely impacts my credit score, lending opportunities, and financial integrity. Immediate correction is required. 
Hard Inquiries For Review and Verification : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries may be inaccurate or unauthorized. Under FCRA 604 ( a ), inquiries require proper authorization. Any inquiry that can not be verified as authorized must be removed immediately to prevent fraudulent impact on my credit.

Demand for Resolution : I request that all disputed accounts and inquiries be investigated in accordance with FCRA 611. Any unverifiable information must be deleted. Written confirmation of all corrections, deletions, or verification results is requested. Failure to comply may result in legal action, including claims for actual damages, statutory damages, and attorney fees under FCRA 1681n & 1681o.

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