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:
b'I am filing this complaint because my credit report is being inaccurately reported with false late payments and unauthorized inquiries. These errors are harming my credit, creating financial hardship, and violating my rights under the Fair Credit Reporting Act (FCRA) and related consumer protection laws. I am requesting a full investigation and immediate correctionXXXX XXXX XXXX XXXX TX XXXX Wrong Address This address is being reported on my credit file even though I have no association, residency, or financial connection with this location The presence of such a false address violates FCRA 607(b) which requires consumer reporting agencies to assure maximum possible accuracy of information The reporting of this address creates the false impression that I have lived or been linked to this property, which is entirely untrue and defamatory I am demanding permanent deletion of this address\XXXX XXXX XXXX XXXX XXXX TX XXXX Wrong Address This reported address is inaccurate and misleading I have never lived there, never applied for credit with this location, nor have I given permission for this data to appear on my credit history The FCRA prohibits reporting of inaccurate information and requires credit bureaus to promptly remove unverifiable data Continuing to report this address after dispute would be a willful violation subject to damages under FCRA 616 and 617 Therefore, I require immediate deletion\XXXX XXXX  High Balance XXXX  Date Opened XXXX Charge Off This account is being reported as a charge off even though I have no knowledge, agreement, or contract with this alleged creditor I have never authorized nor confirmed this debt and therefore it is a violation of FCRA 609(a) for a credit bureau to report such unverified information Additionally, under FDCPA 809(b), debt collectors must provide validation of debts which has not been done The reporting of this account is reckless and damaging and I demand immediate deletion of this account from all bureausXXXX XXXX  High Balance XXXX Date Opened XXXX  Charge Off This charge off account is completely false and unverified I have no relationship with this account and no contract exists proving my liability Reporting it without validation is a violation of FCRA accuracy requirements and FDCPA validation rules Continuing to report it after notice of dispute would be an intentional violation exposing the bureau to liability under FCRA 616 and 617 I am requesting deletion immediately as this account is fraudulent and damaging\XXXX XXXX XXXX  High Balance XXXX  Date Opened XXXX Charge Off This reported charge off is inaccurate and misleading I do not acknowledge owing this alleged debt and no proper documentation has ever been provided to validate it Reporting it in my credit file without proof is unlawful under FCRA 609(a) and FDCPA 809(b) The account is harming my creditworthiness and is reported with false balance and status that I do not accept I demand deletion as it cannot be verified lawfullyXXXX XXXX XXXX High Balance XXXX Date Opened XXXX Late Payment This account is inaccurately reporting late payments I have never been late and have always complied with my financial obligations The credit bureau is responsible under FCRA 607(b) to maintain maximum accuracy and under 611 must reinvestigate disputed information Reporting late payments without proof is defamation and reckless negligence I demand immediate correction of this account to reflect accurate payment history with all late payments removed\XXXX XXXX  High Balance XXXX Date Opened XXXX Charge Off This account is being reported as a charge off even though I have no knowledge or record of such an account I have never received validation or original documentation to prove its accuracy This violates my rights under FDCPA 809(b) and FCRA 609(a) Without legal proof, no bureau is permitted to report this information Continuing to report this false account after dispute will constitute willful noncompliance and subject the bureau to liability under FCRA 616 and 617 I demand permanent deletion immediatelyXXXX XXXX High Balance XXXX Date Opened XXXX Late Payment This account is falsely reporting late payments which are completely inaccurate I have never failed to make timely payments and there is no verified documentation proving any delinquency The reporting of late payments without factual evidence is a violation of FCRA 607(b) which requires maximum possible accuracy and FCRA 611 which requires proper reinvestigation upon dispute The negative status is defamatory, misleading, and damaging to my creditworthiness I demand immediate correction of this account to reflect accurate payment history with all late payments removed\XXXX XXXX  High Balance XXXX Date Opened XXXX Late Payment This account is inaccurately reporting late payments which I dispute as false No valid evidence or billing records confirm these alleged late payments The continued reporting of such inaccuracies violates FCRA 609(a) which gives me the right to obtain verification of the information being reported and requires the bureau to ensure its accuracy Without proper validation, this negative reporting is unlawful and constitutes negligence I require immediate correction and removal of all late payment notations from this account\XXXX XXXX High Balance XXXX Date Opened XXXX Late Payment This account is also showing false late payments that I never made The reporting bureau has failed to provide verification proving any delinquency which is required under the law Reporting unverified and false information is reckless disregard of accuracy requirements under FCRA 607(b) and continued reporting after notice of dispute can be considered willful violation under FCRA 616 and 617 I demand that this account be updated to show a perfect on-time payment history and all false late notations deleted\XXXX XXXX XXXX High Balance XXXX  Date Opened XXXX  Late Payment This account is inaccurately reported with late payments that never occurred I have maintained timely payments and never authorized such negative reporting The presence of these late payments without proof is a violation of my consumer rights under FCRA and creates significant harm to my ability to obtain credit, employment, and housing It is required that this account be corrected immediately with all inaccurate late payments removed and the history updated to reflect accuracy\nXXXX XXXX XXXX Inquiry This inquiry is being reported without my authorization or knowledge I did not grant permission for this creditor to access my credit file Reporting unauthorized inquiries is a violation of FCRA 604 which governs permissible purpose for pulling a consumers credit Unauthorized access is an invasion of privacy and damages my credit profile I demand immediate removal of this inquiry from my report\nSummary of Harm:\nThe false late payments and unauthorized inquiries listed above are creating severe damage to my credit score, financial reputation, and ability to access credit, housing, and employment. These actions are unlawful under the FCRA and must be corrected immediately.\nRequested Resolution:\n\tPermanent removal of all false late payment notations from XXXX and XXXX XXXX  accounts.\n\tPermanent deletion of all unauthorized inquiries (XXXX XXXX and both XXXX XXXX inquiries).\n\tConfirmation in writing that these corrections have been made.'

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