Consumer complaint received 2025-08-15 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, I am submitting this formal complaint to the Consumer Financial Protection Bureau against multiple furnishers and credit reporting agencies for the inaccurate, incomplete, duplicative, and unauthorized reporting of information on my credit profile in violation of the Fair Credit Reporting Act ( FCRA ), XXXX  U.S.C. XXXX XXXX XXXX., the Fair Debt Collection Practices Act ( FDCPA ), and all applicable state consumer protection statutes.

These items have caused substantial damage to my credit reputation, emotional distress, and denial of financial opportunities. Despite multiple disputes, the accounts and inquiries listed below remain unverifiable and continue to be reported without compliance with the law. I am requesting that the CFPB investigate and compel the removal of these violations. 
XXXX XXXX XXXX XXXX, TX  XXXX Wrong Address Issue : This address is inaccurate and has never been associated with my residence or place of business.

Law : Under FCRA XXXX  ( a ), credit reporting agencies must conduct a reasonable reinvestigation of disputed information, and under XXXX  ( b ) they must ensure maximum possible accuracy.

Story : Reporting an incorrect address creates the false impression of identity inconsistencies, suggesting possible fraud or misrepresentation. I have never resided at this location, nor has it ever been used in connection with any credit account. This error could mislead creditors into associating me with unrelated debts, directly harming my credit reputation and increasing the risk of identity theft. The law requires that any unverifiable address be deleted immediately. 
XXXX XXXX XXXX TX  XXXX Wrong Address Issue : This is not my residence and has never been tied to my credit accounts. 
Law : FCRA 1681c ( f ) prohibits inclusion of outdated or incorrect personal identifiers that misrepresent a consumers identity. 
Story : By falsely linking me to this address, the reporting agency is effectively publishing misleading personal data. Such errors can affect background checks, employment opportunities, and loan approvals. This is a clear violation of my right to accurate reporting, and the continued presence of this address without evidence is unlawful. 
XXXX XXXX XXXX High Balance : {$510.00} Date Opened : XX/XX/XXXX Charge Off Issue : This charge-off is inaccurate, unverifiable, and damaging to my credit score.

Law : FCRA XXXX ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. FCRA XXXX  ( a ) requires removal if not verified. 
Story : I have no record of receiving proper billing statements or validation of this debt. Without proper validation under the FDCPA XXXX  ( b ), this entry can not legally remain. Reporting this as a charge-off falsely implies that I abandoned repayment obligations, which severely harms my financial profile and credibility with lenders. 
XXXX XXXX High Balance : {$220.00} Date Opened : XX/XX/XXXX Late Payment Issue : This late payment is not supported by verifiable records. 
Law : FCRA XXXX  and XXXX  ( b ) require data furnishers to ensure accuracy and remove unverifiable negative marks.

Story : I have consistently maintained my obligations on accounts in good faith. The alleged late payment date conflicts with my own payment records, and no documentary proof has been provided. Misreporting payment history is highly damaging to my creditworthiness and constitutes willful negligence under the law. 
XXXX XXXX High Balance : {$11000.00} Date Opened : XX/XX/XXXX Charge Off Issue : Inaccurate balance and unverified charge-off status. 
Law : FCRA XXXX ( a ) and FDCPA XXXX  ( b ) apply here for accuracy and debt validation.

Story : No written notice of default or right to cure was provided before reporting the account as charged off. This is a procedural violation and creates an unjustly negative portrayal of my repayment habits. 
XXXX XXXX  XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Charge Off Issue : Unverified and outdated negative reporting.

Law : FCRA XXXX  ( a ) limits the reporting period for negative items and XXXX  requires deletion if unverifiable.

Story : I never received supporting documentation to justify this charge-off. Continued reporting without verification is a willful disregard of my rights. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment Issue : Reporting of a late payment that I dispute as inaccurate and unverifiable.

Law : FCRA XXXX ( a ) ( 1 ) ( A ) prohibits furnishing information known to be inaccurate ; FCRA XXXX  requires a proper reinvestigation ; FDCPA XXXX  prohibits false representation of a debt status.

Story : This account reflects a late payment that never occurred. Payments were made on time, and any alleged delay was due to a processing error by the creditor. I have not been provided with any written proof showing the date payment was received and applied. The current reporting is damaging my creditworthiness, impacting my ability to secure necessary financing, and causing unnecessary stress. 
XXXX XXXX  XXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Charge Off Issue : Reporting of a charge-off without full accounting or validation.

Law : FDCPA XXXX  ( b ) and FCRA XXXX  require debt validation and complete investigation before reporting.

Story : The alleged charge-off relates to tuition and fees that were disputed due to unfulfilled educational services. I requested documentation showing how the balance was calculated and proof that the debt is legally enforceable ; none has been provided. The continued reporting without verification is unlawful and damaging. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$2900.00} Date Opened : XX/XX/XXXX Collection Issue : Collection account reported without proper debt validation.

Law : FDCPA XXXX  ( b ) requires debt collectors to provide written validation before collection ; FCRA XXXX ( a ) prohibits furnishing unverified data. 
Story : XXXX XXXX XXXX has reported this collection without providing any original creditor information, signed agreements, or payment history. Without such validation, this entry can not remain on my credit report under federal law. 
XXXX XXXX XXXX XXXX High Balance : {$560.00} Date Opened : XX/XX/XXXX Collection Issue : Inaccurate collection reporting with missing documentation. 
Law : FDCPA 807 prohibits misleading representations ; FCRA XXXX  requires reinvestigation.

Story : This collection account appeared suddenly on my report with no prior notice or opportunity to dispute. I have never received validation, and this violates my right to due process under federal consumer protection statutes. 
Inquiries ( Unverified and Unauthorised ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Issue : Multiple hard inquiries without my authorization or permissible purpose.

Law : FCRA XXXX  outlines permissible purposes for credit pulls; unauthorized inquiries must be removed immediately.

Story : These inquiries were never authorized by me and have no legitimate business need connected to an application for credit, insurance, or employment. Their presence damages my credit score and misrepresents my credit-seeking behavior. I demand immediate removal unless verifiable proof of my consent is provided.

Resolution Requested : I request that the CFPB investigate these violations, require the furnishers and credit reporting agencies to provide full documentation proving accuracy and legality, and delete any item that can not be verified according to the FCRA and FDCPA. 
Failure to address these issues appropriately will leave me no choice but to pursue further legal remedies. My rights under federal law are clear, and I expect compliance.

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