Consumer complaint received 2025-10-03 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 submitting this complaint regarding multiple inaccuracies on my credit report. These inaccuracies are severely impacting my creditworthiness, and I demand immediate investigation and correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am entitled to accurate reporting of my accounts and the removal or correction of information that I do not recognize or that is incorrect. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I have never lived at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, nor have I authorized this address to be associated with my credit profile. The inclusion of this incorrect address misleads creditors and may indicate identity confusion or fraud. Reporting false addresses is a violation of 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy by credit reporting agencies. This inaccurate address could result in accounts being wrongly attributed to me or in the denial of credit applications, which is unjust and harmful. I demand immediate correction or deletion of this address from my credit history to ensure that my true residence information is accurately reflected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Wrong Address This address has never been associated with me in any capacity. The reporting of this location as one of my addresses is false, misleading, and damaging. Incorrect addresses compromise the accuracy of my credit report and can cause lenders to make decisions based on faulty data. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information. I request that this incorrect address be removed immediately, and that my current, accurate address be reflected in all credit files to prevent future errors. 
XXXX XXXX XXXX XXXX High Balance : {$20000.00} Date Opened : XX/XX/XXXX Charge Off I have no knowledge of this account and do not recognize it as mine. The reporting of a charge-off for an account that I never opened is highly damaging and could indicate fraudulent activity or an error in reporting. Under FCRA 15 U.S.C. 1681i ( a ), I have the right to dispute any information I do not recognize and to have it verified or deleted. Charge-offs are severe derogatory marks that can affect my ability to obtain loans, housing, and employment. I demand that XXXX and the credit reporting agencies investigate this account thoroughly, provide proof of its validity, and delete it immediately if it can not be verified as mine. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$40000.00} Date Opened : XX/XX/XXXX Late Payment This account is inaccurately reported with late payments. I have always made my payments on time, and reporting late payments is false, misleading, and damaging to my credit profile. Under FCRA 1681i and 1681s-2, all information reported must be accurate, and any inaccuracies must be corrected. Reporting false late payments harms my credit score and can result in higher interest rates or denial of credit. I demand that the payment history be corrected immediately to accurately reflect that I have never missed a payment on this account. 
XXXX XXXX XXXX XXXX High Balance : {$820.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this account. It is being reported without my authorization or validation. FDCPA 15 U.S.C. 1692 requires that any debt reported be validated, and FCRA mandates accurate reporting. The reporting of an unknown collection account is fraudulent, damaging, and unacceptable. It negatively affects my creditworthiness and financial reputation. I demand full investigation and deletion of this account if it can not be verified as mine. 
XXXX XXXX XXXX XXXX High Balance : {$6200.00} Date Opened : XX/XX/XXXX Collection I do not recognize this account. Its inclusion on my credit report is false and misleading. Collections for unknown debts are a direct violation of my rights under FCRA 1681i and FDCPA 1692. Reporting this collection account without verification or my knowledge harms my credit score, financial credibility, and opportunities for loans or housing. I demand that this account be thoroughly investigated, and if it can not be verified as mine, deleted immediately. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection I have no knowledge of this debt, nor have I authorized any account with Account Resolution Corp. Reporting this collection account without my knowledge or validation is a violation of FCRA 1681i and FDCPA 1692. This inaccurate reporting harms my credit score and financial reputation. I demand a full investigation and deletion if the account can not be verified as mine. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$520.00} Date Opened : XX/XX/XXXX Collection I do not recognize this account. Reporting it as a collection is false and damaging. FCRA 1681i requires credit reporting agencies to verify disputed information. The presence of this inaccurate collection account misrepresents my creditworthiness and can affect my ability to obtain credit. I demand immediate verification and deletion if unverified. 
XXXX XXXX XXXX High Balance : {$370.00} Date Opened : XX/XX/XXXX Late Payment This account is incorrectly reported as having late payments. I have never missed any payments on this account. FCRA 1681i and 1681s-2 require that credit reports be accurate. Reporting false late payments is misleading and harms my credit profile. I demand correction of the payment history to accurately reflect timely payments. 
XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charge Off I do not recognize this account. Reporting a charge-off for an account I never opened is a severe derogatory mark and may indicate fraudulent activity or misreporting. Under FCRA 1681i, I dispute this account and demand immediate deletion or validation. Failure to correct this is a violation of federal law and unjustly impacts my creditworthiness. 
INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not authorize many of these inquiries or have no recollection of requesting credit or loan applications associated with these inquiries. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose. I dispute these inquiries as potentially unauthorized or inaccurate. Unauthorized inquiries negatively affect my credit score and may indicate misuse of my personal information. I demand investigation and removal of any inquiries that can not be properly validated or were made without my authorization.

STORY AND CONTEXT I have consistently faced ongoing inaccuracies on my credit report, including multiple collection accounts I do not recognize, accounts with false late payment reporting, charge-offs for accounts I never opened, and unauthorized inquiries. These inaccuracies have caused significant financial and emotional harm, limited my ability to access credit, and may lead to higher interest rates on loans. Each inaccuracy is a violation of federal law, including FCRA 1681i and 1681e ( b ), as well as FDCPA 1692, which require credit reporting agencies and debt collectors to report only accurate and verified information. I demand that each disputed account and inquiry above be fully investigated, corrected, or deleted as required by law. I request all results and actions taken be communicated to me in writing. Failure to correct these errors constitutes willful non-compliance with federal law and exposes the reporting agencies and collectors to legal liability.

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