Consumer complaint received 2025-08-28 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 against several credit reporting agencies and furnishers for knowingly reporting inaccurate, unverifiable, and incomplete information on my credit file. These actions have directly violated my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and relevant CFPB guidelines. 
The following accounts and addresses are being wrongfully reported : Addresses XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Issue : Wrong Address Law : FCRA 607 ( b ) Story : I have never lived at this address nor have I had any connection to it. Including this false residence in my credit file links me to individuals and accounts I do not know, creating a risk of mistaken identity and even potential fraud. This misinformation makes lenders question my identity and places me at a disadvantage compared to other borrowers with accurate histories. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : FCRA 607 ( b ) Story : This address is entirely false. By continuing to associate me with residences I never occupied, your agency is spreading misleading information that undermines my integrity, confuses underwriters, and misrepresents who I am. Wrong addresses are not harmlessthey follow me in every credit application and damage my credibility with potential creditors. 
Accounts XXXX XXXX High Balance {$2300.00} Opened XX/XX/XXXX Issue : Charge Off Law : FCRA 609 & 611 ; FDCPA 807 Story : This account is reported as a charge-off without any proof of ownership or proper validation. No documentation has ever been provided tying me to this alleged obligation. Reporting unverifiable derogatory information is not only inaccurateit causes lenders to see me as high-risk and unfairly punishes me financially. 
XXXX  XXXX BANK XXXX High Balance {$1000.00} Opened XX/XX/XXXX Issue : Charge Off Law : FCRA 611 ; FDCPA validation requirements Story : This charge-off reporting has never been validated. By law, you can not continue reporting disputed debts without verifying accuracy. Yet, it remains, unfairly lowering my creditworthiness and denying me financial opportunities. 
XXXX  XXXX BANK XXXX High Balance {$1200.00} Opened XX/XX/XXXX Issue : Charge Off Law : FCRA 607 ( b ) Story : This is a duplicate entry of the previous First Premier account. Double reporting is deceptive and artificially inflates derogatory information. Lenders reviewing my file wrongly believe I had multiple defaults when in fact it is one account being reported twice. 
XXXX XXXX XXXX High Balance {$800.00} Opened XX/XX/XXXX Issue : Late Payment Law : FCRA 607 ( b ) & 611 Story : This entry shows late payments without validation or supporting evidence. False delinquency reporting paints me as careless with obligations when the truth has not been established. 
XXXX XXXX XXXX High Balance {$370.00} Opened XX/XX/XXXX Issue : Late Payment Law : FCRA 607 ( b ) Story : This reporting is misleading and inaccurate. Even one false late payment damages my score, increases my cost of credit, and undermines my ability to secure fair financial opportunities. 
XXXX XXXX XXXX XXXX XXXX High Balance {$0.00} Opened XX/XX/XXXX Issue : Charge Off Law : FCRA 611 ; FDCPA validation Story : Reporting a charge-off with a {$0.00} balance is contradictory and inaccurate. This is a clear violation of reporting standards and directly harms my standing with future creditors. 
XXXX XXXX High Balance {$1100.00} Opened XX/XX/XXXX Issue : Late Payment Law : FCRA 607 ( b ) Story : This late payment is reported without proof. Such inaccurate entries unfairly suggest instability where none exists. 
DEPT OF ED/XXXX  XXXX High Balance {$3500.00} Opened XX/XX/XXXX Issue : Late Payment Law : FCRA 607 ( b ) Story : This reporting is inaccurate and harmful. My record is being damaged without verified evidence. 
DEPT OF ED/XXXX XXXXXXXX High Balance {$43000.00} Opened XX/XX/XXXX Issue : Late Payment Law : FCRA 607 ( b ) Story : This reporting remains unproven. Without validation, this account can not lawfully remain on file. 
DEPT OF ED/XXXX XXXXXXXX High Balance {$3600.00} Opened XX/XX/XXXX Issue : Late Payment Law : FCRA 607 ( b ) Story : This is inaccurate reporting. It must be reinvestigated and corrected in compliance with federal law. 
XXXX XXXX XXXX XXXX High Balance {$1100.00} Opened XX/XX/XXXX Issue : Charge Off Law : FCRA 611 Story : This charge-off lacks proof and violates accuracy standards. Continuing to report this item without evidence is unlawful. 
XXXX XXXX XXXX XXXX High Balance {$1200.00} Opened XX/XX/XXXX Issue : Collection Law : FDCPA 809 ; FCRA 607 ( b ) Story : XXXX XXXX is a debt collector and must validate this debt. No validation has been provided. Reporting without proof violates both FDCPA and FCRA. 
XXXX XXXX XXXX XXXX High Balance {$1100.00} Opened XX/XX/XXXX Issue : Collection Law : FCRA 607 ( b ) Story : This is a duplicate entry from XXXX XXXX. Duplicate derogatories are not only misleading but also illegal under federal law. 
DEMAND FOR RELIEF I request that CFPB : 1. Investigate these violations and hold the CRAs and furnishers accountable.

2. Order immediate deletion of the wrong addresses and unverifiable accounts.

3. Ensure compliance with FCRA and FDCPA to prevent further harm.

4. Provide me with a written resolution of this complaint.

These errors are not only damaging my credit but also causing mental distress, loss of financial opportunities, and reputational injury. Continued failure to correct this inaccurate reporting constitutes willful noncompliance under FCRA 616, which allows for civil liability.

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