Consumer complaint received 2025-08-05 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:
To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692. I am writing to dispute multiple inaccurate and unauthorized items reported on my credit file. These errors have severely impacted my life, denied me access to fair credit, and caused emotional distress and financial hardship. I am requesting immediate investigation and permanent deletion of the following items. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : This address does not belong to me or any member of my household. 
Law : Under the FCRA, its the duty of the bureaus to report only accurate and verifiable information.

Story : The presence of an unverified address is affecting my trust in the credit reporting process, and it may be linked to fraudulent activity. I demand an immediate reinvestigation and corrective action to protect my interests. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrongful reporting of address on my credit report.

Law : FCRA ensures that every consumer 's report must be accurate and contain only relevant information. 
Story : Due to this error, I have faced obstacles in obtaining new credit and have suffered unnecessary anxiety. Kindly delete this misinformation without any further delay. 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$630.00} Date Opened : XX/XX/XXXX Issue : Marked as Charge Off which is not communicated properly and contains errors regarding payment history.

Law : FCRA Section 609 and Section 611 entitle a consumer to a full disclosure and the right to dispute such derogatory marks.

Story : This accounts status is incorrectly listed as Charge Off, which does not represent the real history of my account nor any correspondence received. This has caused me significant damage as potential lenders are denying my credit applications. I request reinvestigation and necessary rectification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Late Payment mentioned while records do not reflect notified default or valid communication. 
Law : Per FCRA Section 611 and Equal Credit Opportunity Act, I must not be discriminated against for reporting errors. 
Story : On reviewing my records, I never received any proper late payment notification and this false reporting is damaging my score. Kindly provide documented evidence or remove this from my report. 

XXXX XXXX XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Issue : Charge Off status disputed and requires documentation.

Law : Under FCRA, every negative listing must be investigated and removed if not proven with valid documentation.

Story : This is possibly a case of mistaken identity or improper update. I never authorized this accounts charge off. Please investigate and remove this negative entry immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Issue : Alleged Collection status is false or not duly notified to me.

Law : Under FCRA, any collection entry must be notified and verified before being included in my credit report. 
Story : I have no record of this account, and its listing as collection is possibly fraud or administrative error. Please remove this immediately and safeguard my consumer rights. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$620.00} Date Opened : XX/XX/XXXX Issue : Improper Collection status, not supported with valid documentation.

Law : The FCRA requires all collection data to be validated upon consumer request.

Story : I have requested validation of this account, which has not been provided. This is unfairly damaging my reputation and should be deleted at once. 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$1200.00} Date Opened : XX/XX/XXXX Issue : Duplicate/Incorrect Collection reporting. 
Law : Each derogatory entry must be unique, justified and verified under FCRA.

Story : This may be a duplicate entry or an error. Unnecessary duplication is reducing my credit rating and must be resolved immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry appears unrecognized and unapproved by me. 
Law : Consumers must be informed of every hard inquiry as per FCRA. 
Story : No application for credit was made around this date, so this enquiry should be considered unauthorized and deleted from my profile. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Inquiry recorded without prior authorization. 
Law : FCRA ensures consumers right to dispute and delete unapproved inquiries. 
Story : I have not requested any credit evaluation by XXXX XXXX XXXX and this is leading to unnecessary erosion of my credit score. Immediate removal requested. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unrecognized credit inquiry. 
Law : Hard inquiries without consumer permission breach the FCRA. 
Story : Since I have not initiated or authorized this inquiry, it should rightfully be removed. 

In light of the issues above, I request that you urgently review, investigate, and correct all the disputed entries. I expect these items to be properly investigated and removed if they can not be verified with concrete, written documentation as required by law. 

I respectfully demand the deletion or correction of all the above items within 30 days as required by law. Failure to comply will result in filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and possibly seeking legal remedies for willful noncompliance.

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