Consumer complaint received 2025-10-16 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:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against the credit reporting agencies and furnishers listed below for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit report contains numerous inaccurate, unverifiable, and unauthorized entries that have caused significant harm to my credit reputation, financial opportunities, and peace of mind. Despite my attempts to dispute these items directly with the credit bureaus, they have failed to correct or delete the false information.

Below are the specific accounts and inquiries in question that I am disputing and requesting CFPB assistance with : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address These addresses are not now, nor have they ever been, associated with me. Reporting inaccurate personal information violates FCRA 1681e ( b ), which mandates consumer reporting agencies to ensure maximum possible accuracy. Having these wrong addresses listed is damaging because it links me to unrelated accounts, increases the risk of identity confusion, and misrepresents my credit profile. I request these addresses be permanently removed. 
In addition to these personal information errors, my credit file contains several false account statuses which are being incorrectly reported as late payments or charge-offs. I have never made any late payments on these accounts, and I have no knowledge or recollection of ever defaulting on any obligation. These errors are serious violations of FCRA 1681s-2 ( a ) and 1681i ( a ), which require furnishers and CRAs to report accurate and verifiable data only.

XXXX  XXXX XXXX XXXX XXXX Reported as late payment. This is incorrect and defamatory. I have never made any late payments on this account. I demand a full investigation and correction of the payment history to reflect accurate reporting. 
DEPTEDXXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$6600.00} Reported as late payment. I have never been late on this account, and such inaccurate reporting is harming my credit score and violating my consumer rights. 
DEPTEDXXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$10000.00} Reported as late payment. This is incorrect and unverified. I request that you contact the furnisher and verify each reported late payment. If it can not be proven, it must be deleted under FCRA 1681i ( a ). 
XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} Reported as late payment. There is no valid reason for a {$0.00} balance account to show late payments. This suggests misreporting or file mixing. I demand deletion of the inaccurate remarks. 
DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX, Balance Owed : {$9500.00} Reported as late payment. I have never been late, and this entry is false. Please verify directly with the original creditor or remove it immediately. 
DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$6600.00} Reported as late payment. Again, this is inaccurate, and I am requesting correction or deletion based on FCRA XXXX. 
XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} Reported as late payment. This information is clearly wrong, and I never made late payments. Reporting a {$0.00} account as delinquent violates accuracy standards. 
XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} Reported as late payment. Duplicate errors of this kind show negligence and poor data handling. I request immediate correction. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$8100.00} Reported as Late Payment. I have never made late payments on this account. The reported delinquency is false and unverified. I request that the bureau contact the furnisher directly to verify all payment records. If no documented proof is provided, the inaccurate status must be deleted immediately under FCRA 1681i ( a ). 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$14000.00} Reported as Late Payment. This account is being falsely reported as delinquent. There is no record or history that supports any late payments. This incorrect reporting is damaging my credit score and misrepresents my financial conduct. Please investigate and correct the record to show all payments as current. 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX, Balance Owed : {$19000.00} Reported as Late Payment. I have never defaulted on or made any late payment for this account. Reporting it as such is a serious violation of FCRA 1681e ( b ), which requires maximum possible accuracy. I demand that this incorrect entry be corrected or removed immediately. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$28000.00} Reported as Late Payment. This reporting is entirely inaccurate. My payment history has always been consistent, and no verified evidence of any missed payment exists. I request a full reinvestigation and removal of any false information. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$7200.00} Reported as Late Payment. This entry is incorrect, and I never made late payments. Reporting such false data harms my financial reputation and violates my rights under FCRA 1681s-2 ( a ). 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$4600.00} Reported as Late Payment. I am disputing this report as inaccurate. I have never failed to make payments as agreed, and therefore, the late payment status is false. Please verify directly with the original creditor and provide written documentation if this entry is to remain. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$10000.00} Reported as Late Payment. I have no late payments associated with this account. The current reporting is erroneous and must be corrected to accurately reflect my spotless payment history. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$12000.00} Reported as Late Payment. This is another false report connected to the same servicer. Such duplications and inconsistencies demonstrate poor data handling and violation of FCRA 1681e ( b ). I demand immediate correction. 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX, Balance Owed : {$24000.00} Reported as Late Payment. This entry is completely untrue. I have never missed any payments on this account. Continued reporting of false data shows negligence and lack of verification from the furnisher. Please delete or correct. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$5700.00} Reported as Late Payment. This entry is false. I am requesting a full investigation and deletion of any unverified information that can not be supported by original creditor records. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$0.00} Reported as Charge Off. I have no knowledge or recollection of ever having this account. This entry appears to be either identity theft or a mixed credit file error. Under FCRA 1681c-2, I am demanding immediate deletion of this unverifiable account from my credit report. 
DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX, Balance Owed : {$1200.00} Reported as Late Payment. I have never been late on this account, and this information is incorrect. I request verification directly from the furnisher ; if they can not provide original records proving a valid delinquency, it must be deleted immediately. 
XXXX XXXXXXXX Date Opened : XX/XX/XXXX, Balance Owed : {$10000.00} Reported as Late Payment. This entry is also incorrect. I have always made payments on time, and there is no documented evidence of any missed or delayed payment. I am requesting a full reinvestigation and deletion of this inaccurate status under FCRA 1681i ( a ) if it can not be verified with documented records. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX, Balance Owed : {$1700.00} Reported as Collection. I have no knowledge or recollection of this account. It appears to be an error, possible identity theft, or a case of mixed credit file reporting. Since this debt can not be verified as belonging to me, I am demanding immediate deletion under FCRA 1681c-2. Reporting a collection that does not belong to me is a serious violation and constitutes defamation of credit.

The following hard inquiries are also being reported inaccurately or without my authorization. Under FCRA 1681b, a company may only access a consumer report with a permissible purpose, and I have not granted such permission to the following : XXXX  Dated : XX/XX/XXXX Unauthorized Inquiry. I never applied for credit or authorized this company to access my report. This inquiry was made without my consent and must be removed immediately. 
XXXX XXXX XXXX Dated : XX/XX/XXXX Unauthorized Inquiry. I did not give this entity permission to perform a credit inquiry. Such actions without consumer consent violate FCRA 1681b ( f ) and must be deleted. 
I have repeatedly disputed these items with the credit bureaus, but they continue to verify inaccurate data without proper documentation or reinvestigation, in direct violation of FCRA 1681i ( a ). I am therefore requesting the CFPB to : XXXX. Conduct a full investigation into the handling of my disputes by the credit bureaus ( Experian, XXXX, and XXXX  ). 
XXXX. Require the furnishers ( XXXX, XXXX XXXX  XXXX, and the listed creditors ) to provide proof of any alleged late payments, debt ownership, or inquiry authorization. 
XXXX. Enforce correction or deletion of any unverifiable or inaccurate entries from my credit report. 
XXXX. Hold the reporting agencies accountable for negligence and noncompliance with federal law. 
These repeated inaccuracies and unauthorized actions have caused me emotional distress, denial of credit opportunities, and reputational harm. I am attaching copies of my previous dispute letters, credit report excerpts showing the false entries, and correspondence with the bureaus for your review. 
I respectfully request the CFPBs intervention to ensure these violations are corrected and that I receive a complete and accurate credit file, as guaranteed under the Fair Credit Reporting Act. 
Thank you for your time and attention to this matter. I look forward to your prompt response and resolution.

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