Consumer complaint received 2025-08-06 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To Whom It May Concern I am submitting this formal complaint regarding inaccurate, outdated, and unlawfully reported information across multiple accounts reflected on my consumer credit reports These accounts have caused me significant emotional and financial distress and have negatively impacted my ability to access basic credit services employment opportunities and housing These accounts are either being reported inaccurately contain wrong balances dates or statuses or have been reported without proper validation and in violation of federal consumer protection laws including the Fair Credit Reporting Act ( XXXX  ) XXXX USC XXXX XXXX XXXX and the Fair Debt Collection Practices Act ( XXXX  ) XXXX USC XXXX et seq Despite my previous disputes and direct efforts to resolve these matters with the data furnishers and credit reporting agencies the following accounts remain incorrectly reported or unresolved and must be investigated and removed from my file immediately, XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Story : The address listed above is incorrect and never associated with my personal or financial records. According to the Fair Credit Reporting Act ( XXXX  ) section XXXX ( a ), any inaccurate, incomplete, or unverifiable information must be investigated and removed from my credit profile. I formally dispute this address inclusion and request immediate correction as this is adversely affecting my credit standing and putting me at risk of potential fraud or identity theft. 

XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$1800.00} Issue : Late Payment Law : According to FCRA section XXXX ( c ) and Equal Credit Opportunity Act ( XXXX  ), every consumer has the right to challenge and demand evidence of reported delinquencies. 
Story : My account suffered delays in payment due to unforeseen medical emergencies and temporary income loss beyond my control. Despite sincere attempts to communicate and resolve, the late payment was reported without accommodating my situation. This record unfairly penalizes me, and based on the law, I request review and rectification. 

XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$5400.00} Issue : Charge Off Law : In line with FCRA, unverified or outdated charge-offs must not remain on the credit report. 
Story : The account was closed following a dispute regarding unauthorized transactions. The charge-off status is unjust and places unnecessary burden on my profile. I have provided documentation before and hereby formally challenge this derogatory mark for urgent removal. 

XXXX XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$850.00} Issue : Charge Off Law : The FCRA empowers consumers to request documentation of debt validity and mandates removal if not provided. 
Story : This account was never validated with me, and I believe the balance and dates are being misrepresented. I did not receive prior notice or opportunity for resolution, and this is an egregious breach of consumer protection. I request a full investigation per the law. 

XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$2100.00} Issue : Collection Law : Collection accounts, according to the FDCPA and FCRA, should only report verifiable, notified debts. 
Story : This collection was placed without proper notification or documentation. I dispute the validity and accuracy of the amount, as no substantiating information was provided. As legally entitled, I request its immediate removal from my records. 

THE BUREAUS XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$4700.00} Issue : Collection Law : The FCRA stipulates deletion of unverifiable or erroneously reported collections. 
Story : This collection arose from a billing error and failing to notify me of the outstanding balance. I have documentation proving timely payments. This collection is unjustified and the law protects me against such harmful misreporting. 

XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Charge Off Law : The FDCPA and FCRA both require creditors to provide supporting evidence for all negative marks or else erase them. 
Story : This charged-off account reflects an incorrect status as my records show it was paid in full prior to listing. This erroneous entry is damaging my financial reputation and must be immediately rectified with official documentation as proof. 

XXXX XXXX TX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$7600.00} Issue : Charge Off Law : The FCRA prohibits incorrect or unverifiable charge-offs from damaging a consumers rating. 
Story : The charge-off occurred while I was undergoing bankruptcy proceedings which should have protected me from such reporting. Creditors failed to reflect the reality of the situation, thus I challenge this information for investigation and correction. 

XXXX XXXX TX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Charge Off Law : Bankruptcy and hardship protection laws require accurate reporting consistent with legal records. 
Story : My genuine attempts to resolve this account were ignored by the creditor due to systemic barriers. Despite proving financial hardship and requesting revised payment plans, the charge-off negatively impacted my report, violating my rights. 

XXXX XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$10000.00} Issue : Charge Off Law : No creditor may report false, incomplete, or unverified charge-offs as per FCRA section XXXX. 
Story : The account status is in dispute as transactions and outstanding balances were never accurately reconciled despite numerous communications with the lender. I am entitled to a reinvestigation and the removal of the adverse entry if my concerns are not fully addressed. 

I demand that a full investigation be conducted into all of these accounts and that each furnisher be required to provide proper documentation and validation within the timeline allowed by law If they are unable to do so these accounts must be permanently deleted from my credit reports per FCRA and FDCPA guidelines I am requesting full accountability and compliance with federal law as my rights under the FCRA and FDCPA have been continuously violated by these furnishers and the consumer reporting agencies responsible for reporting them

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