Consumer complaint received 2025-09-25 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 regarding multiple inaccuracies on my credit report. Each of the items listed below is materially inaccurate, misrepresents my financial history, and violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ) and 1681e ( b ). These inaccuracies have caused significant stress, emotional harm, and financial obstacles. I request that each item be fully investigated, verified, corrected, or deleted immediately. 
WRONG ADDRESSES INACCURATE PERSONAL INFORMATION XXXX XXXX, XXXX, TX XXXX I have no connection to this property. Reporting this address falsely represents my personal history, exposes me to identity confusion, and creates barriers when creditors attempt to verify my information. Its continued presence on my credit report is misleading and harmful, causing unnecessary stress and administrative obstacles in my financial life. Immediate correction is required. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have never resided at this location. Its appearance on my credit report is not only false but materially misrepresents my residency history. This error could negatively affect potential lenders perception of my reliability, my ability to secure credit, and other essential financial transactions. This address must be removed and my record corrected. 
ACCOUNT ISSUES CHARGEOFF AND LATE PAYMENTS XXXX XXXX XXXX Account XXXX High Balance {$2900.00} Date Opened XX/XX/XXXX Reported as XXXX This account is being reported as charged off inaccurately. I have never defaulted on this account, and its false reporting has caused me emotional distress, reduced my access to credit, and harmed my reputation with lenders. Reporting a chargeoff without proper validation violates FCRA 1681i ( a ) and 1681e ( b ). I request immediate verification of this account, and if verification can not be provided, the account must be deleted. 
XXXX XXXX Account XXXXXXXX XXXX High Balance {$1600.00} Date Opened XX/XX/XXXX Reported as XXXX  I dispute this chargeoff entirely. I have maintained my obligations and have never defaulted. The reporting of this inaccurate chargeoff is harmful, misleading, and diminishes my ability to secure loans or housing. It is critical that this account be corrected immediately to reflect the true status of my obligations. 
XXXX Account XXXX High Balance {$480.00} Date Opened XX/XX/XXXX Reported as XXXX  This reporting is false. I have met my obligations on this account, and the chargeoff notation is completely inaccurate. This misinformation has negatively affected my XXXX XXXX, created unnecessary stress, and misrepresented my financial responsibility. I demand proper verification or removal of this account in accordance with FCRA XXXX ( a ). 
XXXX Account XXXXXXXX XXXX High Balance {$900.00} Date Opened XX/XX/XXXX Reported as XXXX  I dispute this account in its entirety. The chargeoff status is false and has caused real financial and emotional harm. The continued misreporting misleads lenders, affects my ability to obtain credit, and violates my rights under FCRA 1681s-2 ( b ). Immediate investigation and correction are required. 
XXXX XXXX Account XXXXXXXX XXXX XXXX  High Balance {$6000.00} Date Opened XX/XX/XXXX Reported as Late Payment I have never missed a payment on this account. The false reporting of late payments is harmful, misleading, and violates FCRA 1681s-2 ( b ) and 1681i ( a ). This inaccurate reporting is damaging my credit reputation and causing me undue stress. Each reported late payment must be verified with proper documentation, and if unverifiable, removed immediately. 
XXXX XXXX Account XXXXXXXX XXXX  High Balance {$3500.00} Date Opened XX/XX/XXXX Reported as Late Payment I have never missed payments on this account. The reporting of false late payments misrepresents my financial reliability, damages my creditworthiness, and creates obstacles in securing loans or housing. This false reporting violates FCRA 1681s-2 ( b ) and 1681i ( a ). Each reported late payment must be verified, and if unverifiable, it must be deleted immediately to restore accuracy. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX High Balance {$13000.00} Date Opened XX/XX/XXXX Reported as XXXX  I dispute this chargeoff entirely. I have fulfilled my obligations on this account, and reporting a false chargeoff is misleading and harmful. The inaccurate reporting has caused emotional stress, diminished my access to credit, and violates FCRA 1681i ( a ) and 1681e ( b ). Immediate investigation, verification, and correction or removal of this account are required. 
XXXX XXXX XXXX Account XXXXXXXX XXXX  High Balance {$350.00} Date Opened XX/XX/XXXX Reported as XXXX  I dispute this account and its collection status. I have met all obligations, and reporting it as a collection is inaccurate and damaging. The false information misrepresents my financial reliability and violates FCRA 1681s-2 ( b ). Immediate verification or deletion is required. 
XXXX XXXX XXXX Account XXXX High Balance {$450.00} Date Opened XX/XX/XXXX Reported as XXXX I dispute this account entirely. I have met all obligations, and the collection status is false. Reporting this account inaccurately damages my creditworthiness, misleads potential creditors, and causes undue stress. XXXX is required, and if unverifiable, deletion is demanded immediately under FCRA 1681i ( a ). 
XXXX Account XXXXXXXX XXXX  High Balance {$1300.00} Date Opened XX/XX/XXXX Reported as XXXX  I have never defaulted on this account. The false reporting of a chargeoff misrepresents my financial responsibility, has caused material harm, and violates FCRA 1681e ( b ) and 1681i ( a ). Immediate investigation and correction or removal are required. 
XXXX XXXX  Account XXXXXXXX XXXX  High Balance {$1200.00} Date Opened XX/XX/XXXX Reported as XXXX  This account has been inaccurately reported. I have never missed payments, and the collection notation is false. The reporting has harmed my credit profile, caused financial stress, and misrepresented my reliability. XXXX or deletion is required immediately. 
XXXX XXXX Account XXXX XXXX High Balance {$1200.00} Date Opened XX/XX/XXXX Reported as XXXX  I dispute this account entirely. The collection reporting is inaccurate and misleading. Its continued reporting creates obstacles in securing credit, harms my financial reputation, and violates FCRA 1681s-2 ( b ). Immediate verification or deletion is necessary. 
XXXX XXXX  Account XXXXXXXX XXXX  High Balance {$480.00} Date Opened XX/XX/XXXX Reported as XXXX  This account has been reported falsely as in collection. I have fulfilled all obligations, and the false reporting negatively affects my creditworthiness and financial opportunities. XXXX is required, and if unverifiable, deletion must occur immediately. 
XXXX XXXX Account XXXX High Balance {$2000.00} Date Opened XX/XX/XXXX Reported as XXXX  I dispute this collection entirely. I have never defaulted on this account. Its false reporting is materially harmful, misrepresents my financial reliability, and violates FCRA 1681i ( a ). Immediate correction or deletion is required. 
XXXX XXXX Account XXXX High Balance {$690.00} Date Opened XX/XX/XXXX Reported as XXXX  This account is inaccurately reported as a collection. I have fulfilled my obligations and have no delinquency. The false reporting has caused emotional and financial harm, misrepresented my credit history, and violates FCRA 1681s-2 ( b ). XXXX or removal is required immediately. 
XXXX XXXX Account XXXX High Balance {$560.00} Date Opened XX/XX/XXXX Reported as XXXX  I dispute this account entirely. I have met all obligations, and the collection reporting is inaccurate. The false reporting negatively affects my credit profile, misrepresents my financial responsibility, and violates FCRA 1681s-2 ( b ). Immediate correction or removal is required. 
INQUIRIES UNAUTHORIZED OR INACCURATE XXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry This inquiry is inaccurate and/or unauthorized. Its presence on my credit report falsely suggests that I applied for credit I did not request, misleading potential lenders about my financial activity. I request immediate verification of this inquiry, and if unverifiable, deletion is required under FCRA 1681b and 1681i ( a ). 
XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. Reporting it falsely suggests activity that did not occur and harms my credit profile. XXXX is required, and deletion is demanded if unverifiable. 
XXXX XX/XX/XXXX XXXX This inquiry was not authorized by me. Its reporting is misleading and harmful. XXXX is required, and if unverifiable, deletion must occur immediately. 
SUMMARY All items listed aboveincluding wrong addresses, chargeoffs, late payments, collections, and inquirieshave caused significant emotional stress, financial obstacles, and misrepresentation of my creditworthiness. I request a thorough investigation and written confirmation of all corrections. Any unverifiable entries must be removed immediately in accordance with FCRA. Failure to correct these inaccuracies constitutes a violation of federal law and may expose furnishers 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