Consumer complaint received 2025-09-23 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 to report inaccurate, misleading, and potentially unlawful reporting on my credit file. The following accounts and inquiry are reported incorrectly and are negatively affecting my credit standing. I request a full investigation, correction, or deletion of these items pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and relevant state laws. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address has been reported erroneously. I never resided here. FCRA 1681i ( a ) allows me to dispute unverified items. The presence of this incorrect address misrepresents my residence. I request documentation linking me to this location. Failure to provide proof necessitates deletion. Misreporting residence violates FCRA 1681e ( b ). This affects my creditworthiness and potential financial opportunities. I require immediate action to correct this inaccuracy. The continued presence of this address is a clear error. 

XXXX XXXX XXXX XXXX XXXX  TX XXXX I have no connection to this address. FCRA 1681i ( a ) obligates a credit bureau to reinvestigate disputed items. Reporting incorrect addresses violates FCRA 1681e ( b ). No supporting evidence exists that I lived or maintained any activity at this location. Its inclusion negatively impacts my credit report accuracy. Verification is required. If unverifiable, delete immediately. Misreporting addresses can cause identity confusion. Accurate credit reporting is my right. Immediate correction or removal is demanded. 

Accounts : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX  This account is incorrectly reported as having late payments. I have never missed a payment on this account. Under FCRA 1681i ( a ), I have the right to dispute any inaccurate information. Reporting false late payments constitutes a violation of my rights. There is no supporting documentation from the creditor confirming the late payments. The account has always been current and properly maintained. Misreporting affects my creditworthiness. I request verification of all reported payment history. If unverifiable, this account must be corrected or removed. Inaccurate reporting can lead to denial of credit and financial harm. FCRA 1681e ( b ) mandates maximum possible accuracy. Inclusion of this false information is misleading. The reporting agency must reinvestigate promptly. Any failure to correct this violates federal law. I demand immediate action to rectify the record. Continued misreporting is unacceptable. Accuracy in reporting is required to protect my financial rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$220.00} XXXX XXXX Late payments reported are inaccurate. I have never been late on this account. FCRA 1681i ( a ) guarantees the right to dispute unverified information. There is no supporting documentation verifying these late payments. Misreporting this account harms my credit profile. I request verification of payment history from the creditor. If no verification is provided, this information must be removed. FCRA 1681e ( b ) obligates accurate reporting. Inclusion of false late payments is misleading. The credit bureau must reinvestigate promptly. Reporting errors impact my ability to obtain new credit. I demand full correction under federal law. Continued misreporting is a violation of consumer protection rights. Any adverse impact from false information is unacceptable. I insist on immediate correction or deletion. Accurate reporting ensures my financial integrity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$56.00} XXXX XXXX This account is incorrectly reported as a charge-off. I have fully paid or settled this account. FCRA 1681i ( a ) gives me the right to dispute inaccurate or unverified reporting. The charge-off is misleading and causes harm to my creditworthiness. There is no documentation proving this status. FDCPA 1692e prohibits false or misleading reporting by creditors or collectors. I request verification with proper evidence. If unverifiable, delete this charge-off. Misreporting damages my ability to obtain loans. Accurate reporting is required under FCRA 1681e ( b ). Inclusion of false charge-offs misrepresents my financial behavior. I insist on full reinvestigation. The bureau must act promptly. Failure to correct violates federal consumer protection laws. Immediate correction or deletion is necessary. Accurate reporting protects my financial rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX Charge-off is reported incorrectly. I never had this account charged off. FCRA 1681i ( a ) allows me to dispute unverified items. Reporting this as a charge-off misrepresents my credit history. There is no supporting proof from the creditor. Misreporting harms my creditworthiness. I demand verification or immediate removal. FCRA 1681e ( b ) requires accurate reporting procedures. False information negatively impacts my financial opportunities. The credit bureau must reinvestigate promptly. Inclusion of this error violates federal law. Adverse effects caused by this error are unacceptable. I insist the bureau take immediate action. Maintaining inaccurate charge-off information is a violation. Corrective action is required to protect my credit integrity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} XXXX XXXX This account is inaccurately marked as charged off. I have maintained payments or resolved the account properly. FCRA 1681i ( a ) allows for dispute of unverified reporting. There is no documented proof of charge-off status. Reporting this error damages my credit profile. Verification must be provided ; if unverifiable, deletion is required. FCRA 1681e ( b ) mandates accurate reporting. Misreporting may cause denial of credit and other financial harm. I request full reinvestigation. The inclusion of false charge-offs is misleading and illegal. Continued reporting of this inaccuracy violates federal law. Any negative impact from this error is unacceptable. I insist the bureau act immediately. Accuracy in reporting is required to maintain financial integrity. Full removal is necessary if verification fails. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$710.00} XXXX XXXX Collection status is reported inaccurately. I have disputed this debt with the creditor. FCRA 1681i ( a ) mandates reinvestigation of disputed items. There is no supporting documentation validating this collection. Misreporting damages my creditworthiness. Verification must be supplied ; if unverifiable, delete immediately. FCRA 1681e ( b ) requires accurate reporting procedures. Inclusion of false collections misrepresents my financial obligations. The bureau must act promptly. This reporting could cause denial of credit. Continued misreporting is a violation of federal law. Adverse effects from inaccurate reporting are unacceptable. I insist on immediate correction. Accurate reporting protects consumer rights. Full reinvestigation and correction are demanded. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} XXXX This collection account is inaccurately reported. I have never defaulted on this account. FCRA 1681i ( a ) guarantees dispute rights. There is no proof supporting the reported collection. Misreporting damages my credit report and financial opportunities. Verification is required ; unverifiable items must be removed. FCRA 1681e ( b ) obligates maximum possible accuracy. Inclusion of false information is misleading. The credit bureau must reinvestigate promptly. Reporting errors negatively affect creditworthiness. I insist on correction or removal. Continued misreporting violates federal law. Any adverse impact from false reporting is unacceptable. Immediate action is required to maintain accurate records. Accurate reporting protects my financial integrity. 

I am reporting these items to CFPB for review and action. Each of these accounts and the inquiry either lack proper verification, are inaccurately reported, or were conducted without authorization. Under FCRA and FDCPA, I am entitled to accurate credit reporting, verification of debts, and removal of unverified or unauthorized items. I demand that these items be fully investigated, corrected, or deleted immediately. CFPB intervention is requested to ensure compliance and protect my consumer rights.

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