Consumer complaint received 2025-08-01 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:
Dear CFPB Investigator, I am filing this complaint to formally report ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by credit reporting agencies and data furnishers. My credit file contains numerous inaccurate addresses, unauthorized hard inquiries, and several accounts with incorrect information such as charge-offs, late payments, and balances. These errors are not only unjustified but are also severely harming my credit profile and financial opportunities. I have previously attempted to dispute these items directly with the credit bureaus, but they continue to be reported without proper investigation or verification. 
Below I have documented each item being disputed, along with related legal violations and the harm caused : WRONG ADDRESSES XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Not my address Law : FCRA 609 and 611 Story : I have never lived or received mail at this location. It appears due to credit file contamination or identity error. Please remove this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Issue : Incorrect address reported Law : FCRA 605 ( b ) Story : I have never conducted any activity from this address. The listing may be due to third-party data errors and needs immediate deletion. 
DISPUTED ACCOUNTS XXXX XXXX | High Balance : {$8800.00} | Date Opened : XX/XX/XXXX Issue : Charge off reported without cause Law : FCRA 623 Story : This account was closed after a hardship agreement. Charge off never communicated or validated. I request deletion. 
XXXX XXXX XXXX | High Balance : {$4600.00} | Date Opened : XX/XX/XXXX Issue : Late payments not accurate Law : FCRA 607 Story : I had an automatic payment setup, and delays happened due to internal system issues, not consumer fault. 
XXXX XXXX XXXXXXXX XXXX | High Balance : {$5000.00} | Date Opened : XX/XX/XXXX Issue : Late reported despite partial payment plan Law : FCRA 611 Story : I reached out for assistance during financial hardship but was still penalized unfairly. 
XXXX XXXX | High Balance : {$600.00} | Date Opened : XX/XX/XXXX Issue : Payment history error Law : FCRA 609 Story : I requested documents to verify these claims and received none. The reporting is unverifiable and must be removed. 
XXXX XXXX | High Balance : {$2100.00} | Date Opened : XX/XX/XXXX Issue : False late payment Law : FCRA 623 Story : I made on-time payments ; system glitch reported me as late, affecting my credit unjustly. 
XXXX XXXX | High Balance : {$2600.00} | Date Opened : XX/XX/XXXX Issue : Payment incorrectly marked Law : FCRA 611 Story : This account shows late due to a processing issue with the bank, not my fault. No notice was issued. 
XXXX XXXX | High Balance : {$3900.00} | Date Opened : XX/XX/XXXX Issue : Charge off inaccurate Law : Fair Credit Billing Act Story : I was in a hardship period and tried to resolve the issue. This entry is damaging and does not reflect my effort. 
XXXX XXXX XXXX | High Balance : {$2300.00} | Date Opened : XX/XX/XXXX Issue : Late reporting unfair Law : FCRA 623 Story : I was not delinquent, but payments were flagged late after system lag. I demand correction or removal. 
XXXX XXXX | High Balance : {$3900.00} | Date Opened : XX/XX/XXXX Issue : Inaccurate payment status Law : FCRA 611 Story : XXXX failed to correct the record after multiple disputes. Payment was made within grace period. 
XXXX XXXX XXXX | High Balance : {$14000.00} | Date Opened : XX/XX/XXXX Issue : Incorrect late payment Law : FCRA 607 Story : I contacted customer service and showed proof of on-time payment. No action taken to fix error. 
XXXX XXXX XXXX | High Balance : {$6600.00} | Date Opened : XX/XX/XXXX Issue : Unjustified charge off Law : FCRA 611 Story : I never defaulted on this card. No communication about a charge-off was provided. 
XXXX XXXX | High Balance : {$7400.00} | Date Opened : XX/XX/XXXX Issue : Charge off wrongly added Law : FCRA 623 Story : The account was closed during a repayment discussion. The charge-off is improper. 
XXXX XXXX | High Balance : {$7500.00} | Date Opened : XX/XX/XXXX Issue : Late payment wrongly reported Law : FCRA 611 Story : I disputed this before and received no response. Reporting has caused long-term damage. 
XXXX XXXX | High Balance : {$2100.00} | Date Opened : XX/XX/XXXX Issue : False reporting of late payment Law : FCRA 623 Story : Payment made 2 days before due date. System error likely caused this mistake. 
XXXX XXXX XXXX | High Balance : {$3600.00} | Date Opened : XX/XX/XXXX Issue : Late status with no notice Law : FCRA 609 Story : I received no notice or documentation for this late payment. I request validation or deletion. 
XXXX XXXX | High Balance : {$36000.00} | Date Opened : XX/XX/XXXX Issue : Charge off wrongfully applied Law : FCRA 623 Story : Agreement was in place to settle. Reporting charge off is unfair and harmful. 
XXXX XXXX XXXX | High Balance : {$50000.00} | Date Opened : XX/XX/XXXX Issue : Charged off in error Law : FCRA 611 Story : No legal notice, no fair debt process followed. I dispute this strongly. 
XXXX XXXX | High Balance : {$40000.00} | Date Opened : XX/XX/XXXX Issue : Late reported unjustly Law : FCRA 611 Story : I was in military duty status ; SCRA should apply. This late reporting is illegal under federal protections. 
XXXX XXXX | High Balance : {$3500.00} | Date Opened : XX/XX/XXXX Issue : Federal loan reporting error Law : FCRA + Higher Education Act Story : My loan was in deferment. No payment was due. The delinquency entry is wrong. 
XXXX XXXX XXXX | High Balance : {$35000.00} | Date Opened : XX/XX/XXXX Issue : Late without basis Law : FCRA 607 Story : Payments were made timely through dealer agreement. XXXX failed to update credit correctly. 
XXXX XXXX ( 3 more entries ) Issue : Multiple charge offs & lates listed Law : FCRA 623 Story : Same account is showing multiple charge offs with different balances and dates duplicate reporting is unlawful and must be deleted. 
XXXX XXXX | High Balance : {$0.00} | Date Opened : XX/XX/XXXX Issue : Charge off reported despite {$0.00} Law : FCRA 623 Story : Account never used or activated. Still marked charged off highly suspicious and inaccurate. 
UNAUTHORIZED HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Inquiries made without consent Law : FCRA 604 Story : I never applied for credit with these institutions at these times. These inquiries were made without permissible purpose and must be removed immediately to protect my credit score and consumer rights.

Requested Relief : 1. Immediate investigation into each of the listed inaccurate addresses, accounts, and hard inquiries.

2. Full deletion of all unverifiable, duplicate, or unauthorized entries from my credit report.

3. Enforcement actions against credit bureaus and data furnishers who failed to comply with FCRA and FDCPA.

4. Written confirmation of completed investigations and deletions.

I respectfully request the CFPBs assistance in enforcing my rights and holding the responsible parties accountable. All documentation supporting my disputes can be provided upon request.

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