Consumer complaint received 2025-11-03 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:
Dear CFPB Representative, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) due to the ongoing inaccurate and unverified information being reported on my credit file. Despite multiple disputes, the following accounts and inquiries remain inaccurately reported and are causing damage to my creditworthiness. These furnishers have failed to comply with the legal requirements of proper investigation, verification, and reporting accuracy as required under federal law. 

ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is being reported incorrectly on my credit report and is not associated with me. Reporting an inaccurate address is a direct violation of FCRA 607 ( B ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information. This address must be deleted immediately from my file to avoid confusion and association with accounts not belonging to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$0.00XXXX XXXX XXXX  This account is outdated, unverified, and has been misreported. According to FCRA 609 ( A ) and 611 ( A ), the bureau must obtain verification directly from the original creditor. Reporting a {$0.00} balance charge-off as active damages my credit reputation and violates the standard of accurate reporting under 607 ( B ). The account should be deleted as no valid documentation exists verifying ownership. 

XXXX XXXX Charge Off Opened XX/XX/XXXX XXXX {$1400.00} XXXX This account was never authorized or validated by me. Under FCRA 611 ( A ) ( 1 ) ( A ), you are required to delete any information that can not be verified. The creditor has failed to provide an original signed agreement, billing statements, or proof of default. Continuing to report unverifiable data violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act ( FDCPA 807 ( 8 ) ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX  This account contains inaccuracies regarding the balance and payment history. FCRA 602 ( A ) ( 1 ) and 607 ( B ) make it clear that only complete and truthful information should be reported. The bank failed to validate the claimed amount or provide any written contract proving liability. Under 611 ( A ), this item must be reinvestigated and deleted if proper verification can not be produced. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened XXXX Balance {$2200.00} XXXX XXXX  This account appears to be re-aged and inaccurately reported. Under FCRA 623 ( A ) ( 5 ), furnishers must report correct dates of first delinquency. Reporting false or misleading information regarding the accounts status is illegal under 607 ( B ). This item must be removed immediately unless verifiable evidence is provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX  This charge-off exceeds the allowable reporting period under FCRA 605 ( A ). Any account older than seven years from the date of first delinquency can not be legally reported. This item violates both FCRA 623 and 605 ( A ) and must be deleted without delay. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$110.00} XXXX XXXX  This account reflects conflicting information between bureaus and appears unverified. FCRA 607 ( B ) and 611 ( A ) require immediate correction or deletion of unverifiable data. I demand validation directly from the furnisher per 611 ( A ) ( 2 ) ( B ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Reporting a zero-balance charge-off is inaccurate and misleading. FCRA 602 ( A ) and 607 ( B ) prohibit continued reporting of erroneous data. This record must be deleted as it damages my creditworthiness without valid cause. 

XXXX XXXX XXXX XXXX XXXX Late Payment Opened XX/XX/XXXX Balance {$970.00} XXXX XXXX The payment history reported is incorrect. Under FCRA 607 ( B ), all information must be accurate. Without evidence of late payment dates or consumer consent, this account violates 623 ( A ) ( 1 ) ( A ). Immediate reinvestigation and correction are required. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX This charge-off was reported in error without sufficient verification. FCRA 611 ( A ) gives me the right to request documentation proving accuracy. XXXX has failed to provide validation under 609 ( A ) ( 1 ). I request deletion due to unverifiable reporting. 

XXXX XXXX XXXX Late Payment Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  This account is being inaccurately reported with false late payments even after full closure. FCRA 607 ( B ) mandates accuracy, and 611 ( A ) enforces deletion of unverifiable data. This account should be removed immediately. 

XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$89.00} XXXX XXXX The account status and balance are incorrect. Reporting a small balance charge-off without validation violates FCRA 607 ( B ) and 611 ( A ). I request full verification or deletion. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$110.00} XXXX XXXX  The reporting furnisher has not provided proof of the original contract or balance verification. This is a violation under FCRA 609 ( A ) and 623 ( B ) ( 1 ). Delete this unverifiable account immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$2900.00} XXXX XXXX Duplicate XXXX accounts are being reported. FCRA 607 ( B ) prohibits duplication and false representation. This must be corrected immediately, as it is damaging and misleading. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$7300.00} XXXX XXXX This account shows false delinquencies that were never verified. FCRA 611 ( A ) requires reinvestigation and deletion of unverifiable data. The creditor must show concrete proof of delinquency ; otherwise, it must be deleted. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$3800.00} XXXX XXXX This account was never authorized. XXXX XXXX is a third-party debt collector, and under FDCPA 809 ( b ), they must provide written validation of the debt. Failure to do so makes this report unlawful under both FCRA 607 ( B ) and 611 ( A ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Opened XX/XX/XXXX Balance {$450.00XXXX XXXX XXXX XXXX XXXX is reporting this without proof of ownership or assignment. Under FDCPA 809 ( b ) and FCRA 623 ( A ) ( 1 ) ( A ), they must show written validation of the debt. Until they provide verifiable documentation, this must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  Reporting a {$0.00} balance charge-off is inaccurate. FCRA 607 ( B ) requires the bureau to ensure the integrity of reported data. This item should be deleted immediately. 

XXXX XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$250.00} XXXX XXXX This account has never been validated. Under FCRA 611 ( A ) and FDCPA 809 ( b ), unverifiable accounts must be removed. The creditor has failed to provide any lawful verification. 

XXXX XXXXXXXX XXXX XXXX XXXX Collection Opened XX/XX/XXXX XXXX {$1500.00} XXXX XXXX This account was sold to a collection agency with no verified proof of debt ownership. Reporting without validation violates FDCPA 807 ( 8 ) and FCRA 623 ( A ) ( 1 ). This entry must be deleted. 

XXXX XXXX XXXX XXXX Collection Opened XX/XX/XXXX Balance {$330.00} XXXX XXXX This is an unverified collection. The collector has not produced validation required under FDCPA 809 ( b ). Under FCRA 611 ( A ), unverifiable information must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX Collection Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX This item is inaccurately reported. Insurance-related debts require written authorization to report under FCRA 604 . This must be deleted for violation of 607 ( B ). 

XXXX XXXX XXXX Collection Opened XX/XX/XXXX Balance {$370.00} XXXX XXXX This account was added recently without my authorization or notice. This violates FCRA 605B and 611 ( A ). I demand immediate removal unless verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Opened XX/XX/XXXX Balance {$660.00} XXXX XXXX  This is an inaccurate duplicate account. FCRA 607 ( B ) and 611 ( A ) forbid reporting duplicate or unverifiable data. This must be removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Opened XX/XX/XXXX Balance {$650.00} XXXX XXXX  Duplicate reporting of the same account violates 607 ( B ) of the FCRA. I demand that one or both of these be deleted immediately. 

XXXX XXXX Inquiry XX/XX/XXXX This inquiry was unauthorized. Under FCRA 604 ( a ) ( 2 ), consumer consent is required before any hard inquiry. Delete immediately. 

XXXX XXXX Inquiry XX/XX/XXXX Unauthorized inquiry without permissible purpose. Violates FCRA 604 ( a ) ( 3 ). Must be removed immediately. 

XXXX XXXX Inquiry XX/XX/XXXX Duplicate unauthorized inquiry. Violates 604 ( a ) ( 2 ) and 607 ( B ). Must be deleted.

In conclusion, these accounts and inquiries are either inaccurately reported, unverified, or unauthorized. Each furnisher and bureau involved has failed to meet their obligations under the FCRA and FDCPA. I am requesting that the CFPB conduct a full investigation into these violations and compel the furnishers and credit reporting agencies to delete or correct the false data immediately. I also request a written confirmation of your findings and actions taken upon completion of this complaint.

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