Consumer complaint received 2025-09-10 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:
I am filing this complaint because my credit reports are showing multiple inaccurate, unverifiable, and harmful items that are violating my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. These errors have caused me financial hardship, emotional stress, and denials of credit opportunities. I am asking for the CFPB to investigate and require the credit bureaus and furnishers to correct or delete these false items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I have never lived at this address, never applied for credit using this address, and I have no legal, financial, or personal connection to it. Reporting this false address is reckless and creates a high risk of identity theft and file-mixing. Having this wrong address associated with my name has already caused me embarrassment and fear because it suggests fraudulent activity. This is a clear violation of FCRA XXXX ( b ), which requires credit bureaus to use reasonable procedures to ensure maximum possible accuracy, and XXXX Identity Theft Red Flags Rule, which requires agencies to prevent identity confusion. Keeping this false address on my report is negligent and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This is another false address being reported. I never resided there and never used this location in connection with any credit application. The presence of this address indicates either file contamination or negligence by the credit bureaus. Wrong addresses directly affect my creditworthiness and cause lenders to doubt my stability. This violates FCRA 609 ( a ) ( 1 ) which requires accurate disclosure of information and ECOA 701 which prohibits inaccurate information from being used to judge a consumers creditworthiness. I demand deletion immediately to protect me from further harm. 
XXXX XXXX XXXX * High Balance : {$390.00} Date Opened : XX/XX/XXXX Late Payment * * This account is reporting false late payments. I have consistently made payments, and any claimed late is due to reporting errors or system delays outside of my control. Reporting me as late is damaging my credit history and reputation. FCRA XXXX ( b ) requires furnishers to report accurately, and FCRA 623 ( a ) ( 1 ) prohibits reporting information that is known to be inaccurate. The false reporting of lateness violates these provisions and has already led to me being denied fair access to housing and auto financing. 
XXXX XXXX XXXX * * High Balance : {$300.00} Date Opened : XX/XX/XXXX Late Payment * * The late payment reported on this account is false, and no proof has been provided despite disputes. This shows clear noncompliance with FCRA 611 ( a ) ( 1 ) ( A ), which requires a reinvestigation of disputed items. Failure to provide documentation means this account is unverifiable, and under FCRA 611 ( a ) ( 5 ), unverifiable information must be deleted. These false late payments are unjustly lowering my credit score, affecting my ability to obtain credit, and causing severe emotional and financial stress. 
XXXX XXXX XXXX * High Balance : {$880.00} Date Opened : XX/XX/XXXX Late Payment * * This account shows inaccurate late payments which are not valid. This violates FDCPA 807, which prohibits false and misleading representations, and FCRA 602 which requires fair and accurate reporting. Reporting such false delinquencies makes it appear that I am financially irresponsible when in reality I am the victim of poor record-keeping and negligence. These false marks are preventing me from obtaining credit cards and personal loans, causing great hardship. 
XXXX XXXX XXXX * * * * High Balance : {$130.00} Date Opened : XX/XX/XXXX Charge Off * * This charge-off is completely inaccurate. No creditor has provided proof that the debt was valid or that it was charged-off in compliance with regulations. Reporting unverifiable charge-offs violates FCRA 609 ( c ) ( 1 ) ( B ) which requires disclosure of the nature and status of debts, and FCRA 611 requires immediate deletion if unverifiable. This false charge-off is hurting my employment opportunities because employers check credit reports. I demand deletion of this item under FCRA 616 and 617 which provide for civil liability for willful and negligent noncompliance. 
XXXX XXXX * High Balance : {$340.00} Date Opened : XX/XX/XXXX Charge Off * * This account is being falsely reported as charged off. No evidence has been presented to validate this claim. FCRA 611 requires removal of unverifiable information. Continued false reporting after notice of dispute is reckless and shows willful noncompliance. This false reporting has already caused me to be denied a small business loan, which is devastating to me and my family. Under FCRA 602 ( a ) and FDCPA 807 ( 8 ), this information must be corrected or deleted immediately. 
XXXX XXXX * * High Balance : {$600.00} Date Opened : XX/XX/XXXX Charge Off * * This account is also inaccurately reported as a charge-off. No valid documents have been provided, which means the item is unverifiable and must be deleted under FCRA 611 ( a ) ( 5 ). This false charge-off is damaging my credit score and has resulted in higher interest rates on essential services. This violates both FCRA and the Equal Credit Opportunity Act by creating unfair barriers to credit access. Keeping this false charge-off is reckless disregard for my rights under federal law. 
XXXX XXXX XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments that are inaccurate and unverifiable. I made payments consistently and any alleged delinquency is due to reporting errors or improper posting. Reporting false late payments violates FCRA 607 ( b ), which requires accuracy, and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information known to be inaccurate. These late marks are damaging my credit reputation and have already resulted in higher interest rates and denials. I demand immediate deletion. 
XXXX XXXX  XXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Charge Off This account is being reported as a charge-off without proper verification. No documentation has been provided to show this account was legally charged-off. Under FCRA XXXX and XXXX ( a ) ( XXXX ), unverifiable information must be deleted. Reporting unproven charge-offs also violates FDCPA XXXX ( XXXX ) ( A ), which prohibits false representation of the legal status of debts. This false reporting has caused me to be denied credit and suffer emotional distress. I demand deletion. 
XXXX FIN XXXX * * High Balance : {$22000.00} Date Opened : XX/XX/XXXX Charge Off * * This account is also being falsely reported as charged-off. No legal validation has been provided to support this status. Reporting a charge-off without proof violates FCRA 607 ( b ) and FACTA identity protection standards. This false item is lowering my credit score and has caused me to lose out on housing opportunities. I demand immediate removal of this account. 
XXXX XXXX XXXX XXXXXXXX * * High Balance : {$3500.00} Date Opened : XX/XX/XXXX Collection * * This is an alleged collection account that is unverifiable and inaccurate. No original contract, payment history, or validation of debt has been provided. Under FDCPA 809 ( a ), I have the right to request full validation, and until that is provided, the debt can not be legally reported. FCRA 611 requires removal of unverifiable collections. This false collection is hurting my creditworthiness and must be deleted. 
XXXX XXXX XX/XX/XXXX XXXX These two inquiries are unauthorized. I never gave permission for these inquiries, and under FCRA 604 ( a ) ( 3 ), inquiries can only be made with permissible purpose. These inquiries are harming my credit score and must be removed immediately. 
XXXX XXXX XX/XX/XXXX XXXX These inquiries are also unauthorized and were conducted without my consent. This violates FCRA 604 and FACTA privacy protections. I did not apply for credit with these companies, and their inquiries have lowered my score. These must be deleted immediately. 
XXXX XXXX XX/XX/XXXX XXXX This inquiry is inaccurate and was done without my authorization. Any inquiry without a permissible purpose is illegal under FCRA 604 and must be deleted.

These false late payments, charge-offs, collections, and unauthorized inquiries are harming me in several ways : I have been denied credit cards and personal loans. 
I have faced higher interest rates on existing credit. 
My financial stability has been disrupted, and I am under severe emotional distress. 
My reputation and credibility are being unfairly damaged. 
I am requesting the CFPB to investigate these errors and ensure that the credit reporting agencies and furnishers comply with the law. If these items can not be fully verified with proper documentation, they must be deleted immediately.

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