Consumer complaint received 2025-11-10 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 complaint is being submitted for the violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to inaccurate reporting, failure to ensure accuracy, and failure to obtain permissible purpose before conducting an inquiry. The listed address, accounts, and inquiries are being disputed as they are either inaccurately reported, outdated, or obtained without authorization. I am requesting immediate investigation, deletion of inaccurate items, and enforcement of compliance by all parties involved under the laws stated below. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX This address has been wrongfully reported. It does not match any verified credit application or legal documentation tied to my identity. Maintaining false identifying information violates FCRA 607 ( B ) and 611 ( a ) ( 1 ) ( A ), as it fails to ensure maximum possible accuracy and causes confusion in my consumer profile. 

XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX This address was never used or verified through any valid source. Reporting unverified addresses indicates failure to maintain reasonable procedures to assure accuracy as required under FCRA 607 ( B ). This incorrect listing should be permanently removed as it creates a misleading record of residence history. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Charge Off * * This account was reported as a charge-off without valid evidence from the original creditor. No original signed contract, billing history, or proof of default has been provided. Reporting this item as charged off without substantiation violates FCRA 623 ( a ) ( 1 ) ( B ) and FDCPA 807 ( 8 ). The data is inaccurate, incomplete, and misleading, creating false representation of my financial responsibility. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1600.00} Late Payment * * The alleged late payments under this federal loan are inaccurate. The servicer failed to validate these entries with any documentation proving delinquency. Continued reporting without verification after dispute violates FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 3 ). Reporting unsubstantiated student loan data misrepresents my payment history and violates the duty to maintain accuracy. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$22000.00} Late Payment * * This account shows a large balance and claims late payments without any validation or record of default. The creditors failure to provide evidence during the first dispute reflects violation of FCRA 611 ( a ) and 607 ( B ), which require documented reinvestigation. Such negligence in verification demonstrates reckless disregard for the law. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$39000.00} Charge Off * * This charge-off claim is unverifiable and unsubstantiated by the original lender. No valid documentation of default or proper charge-off procedure was presented. This reporting violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 2 ) ( A ) by misrepresenting debt status and falsely suggesting loss. The continued appearance of this account after dispute demonstrates failure to reasonably investigate. 

XXXX  XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Charge Off * The creditor has failed to validate this charge-off with any proof of debt ownership or account authenticity. Reporting unverifiable information violates FCRA 611 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ). The accounts presence is misleading, inaccurate, and noncompliant with federal law. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Late Payment * * This entry lists an alleged late payment without verification from the Department of Education . Continued reporting without proper evidence violates FCRA 611 ( a ) ( 5 ) ( B ) and 607 ( B ). Furnishers are required to correct or delete inaccurate data once notified, yet this has not been done. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4700.00} Late Payment * * The servicer has not provided validation of any delinquency or documentation proving the legitimacy of this record. Reporting unverifiable data breaches FCRA 623 ( a ) ( 3 ) and 611 ( a ), which require furnishers and bureaus to investigate disputes thoroughly. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5300.00} Late Payment * * This account remains falsely reported with late payments and no evidence to confirm delinquency. FCRA 611 ( a ) ( 5 ) ( A ) and 623 ( a ) ( 1 ) ( B ) are violated by the failure to substantiate the information. The continued inaccuracy after dispute shows willful disregard for compliance obligations. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Late Payment * * This entry is unverifiable. The servicer did not provide any record confirming late payment or default. Continued inaccurate reporting violates FCRA 607 ( B ) and 611 ( a ). Such behavior undermines the integrity of consumer reporting systems. 

XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$780.00} Collection * * XXXX XXXX  has failed to produce documentation verifying debt ownership, balance accuracy, or original creditor information. Reporting this unverifiable collection violates FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( C ), and FDCPA 807 ( 8 ). The account remains legally unverified and must be deleted immediately. 

XXXX XXXX XXXX Account No : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$230.00} Collection * * This collector has not validated ownership of the debt or provided any supporting evidence linking me to this obligation. Continued reporting after dispute violates FDCPA 809 ( b ) and FCRA 611 ( a ). It is illegal to maintain collection data without proof of assignment or authorization. 

XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Collection * * This account reflects a XXXX balance yet remains listed as an active collection. Such reporting is false, misleading, and unlawful under FCRA 607 ( B ) and 623 ( a ) ( 2 ). The furnishers failure to correct inaccurate status after dispute demonstrates negligent compliance procedures. 

XXXX XXXX Date : XX/XX/XXXX This inquiry was unauthorized and not initiated by me. Reporting unauthorized inquiries violates FCRA 604 ( a ) ( 2 ) and 607 ( A ). Any inquiry without permissible purpose must be deleted immediately as it unlawfully impacts my credit profile. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry was made without my consent or application for credit. Reporting unauthorized access to my credit file violates FCRA 604 ( a ) ( 2 ) and 615 ( b ). This must be removed for noncompliance with permissible purpose requirements. 

In conclusion, these violations demonstrate negligence and disregard for consumer rights. I am requesting immediate action to delete or correct the inaccurate information and remove any unauthorized inquiries from my credit report. Please hold the responsible furnishers and bureaus accountable under federal law. If these errors are not corrected, I reserve the right to seek further legal remedies for damages caused by inaccurate reporting, unauthorized inquiry, and violations of the FCRA and FDCPA.

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