Consumer complaint received 2025-09-05 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:
I am filing this complaint to formally report multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). As a consumer, I have the legal right to accurate and verifiable credit reporting under 15 U.S.C. 1681 ( FCRA ) and protection from unlawful collection activities under 15 U.S.C. 1692 ( FDCPA ). Unfortunately, my credit reports are currently plagued with numerous inaccuracies, misreporting, and unverifiable debts that are severely damaging my financial reputation and causing undue hardship.

Two completely wrong addresses have been reported on my credit file, which are not associated with me : XXXX XXXX XXXX, XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Reporting inaccurate addresses violates FCRA 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. The presence of these wrong addresses creates a false identity trail and exposes me to risks of mixed files or identity theft.

Additionally, the following accounts have been reported with inaccuracies, unverifiable information, or unlawful negative notations : XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance {$250000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX XXXX XXXX  High Balance {$500.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX XXXX XXXX XXXX High Balance {$380.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX High Balance {$550.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXXXXXX XXXX XXXX  High Balance {$480.00} Date Opened : XX/XX/XXXX Late Payment XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$1000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX XXXX  High Balance {$7900.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX XXXX XXXX  High Balance {$980.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXXXXXX XXXX XXXX High Balance {$2600.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX XXXX XXXX High Balance {$580.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$50000.00} Date Opened : XX/XX/XXXX Late Payment XXXX  XXXX * * High Balance {$15000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX * High Balance {$1000.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX XXXX * * High Balance {$5500.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX * * High Balance {$7000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX * XXXX High Balance {$3700.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXXXXXX XXXX XXXX High Balance {$6300.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX High Balance {$1100.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX High Balance {$4400.00} Date Opened : XX/XX/XXXX Collection Online XXXX XXXX XXXX XXXX XXXX High Balance {$500.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry Under FCRA 1681i, I have the right to dispute any inaccurate or unverifiable accounts, and the reporting agencies and furnishers are required to conduct a reasonable investigation. To date, these accounts remain uncorrected, and in some cases, collection accounts have been reported without proper validation in violation of FDCPA XXXX ( XXXX XXXX. XXXX ). 

The continual reporting of these accounts is damaging my creditworthiness, preventing me from obtaining fair credit, housing, and financial stability. This is not just an inconvenience but a direct violation of my federally protected rights. 

I request that CFPB take immediate action to : Investigate these reporting violations. 

Require the furnishers and credit reporting agencies to remove or correct all inaccurate, unverifiable, and unlawful accounts. 

Ensure compliance with FCRA and FDCPA so that my credit report reflects only accurate and verified information.

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