Consumer complaint received 2025-08-23 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:
To Whom It May Concern I am writing to formally dispute multiple inaccurate entries on my credit report, including collections, charge-offs, and unauthorized inquiries. These inaccuracies have caused significant damage to my creditworthiness, financial opportunities, and personal peace of mind. I request immediate investigation and correction pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires that credit reporting agencies maintain maximum accuracy in consumer reports, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which governs fair and accurate debt collection practices. 
XXXX XXXX XXXX XXXX, TX XXXX Issue : Wrong Address Law : Under FCRA Section 611, I have the right to dispute any inaccurate personal information. 
Story : I have never lived at this address, nor do I have any association with it. Its presence on my credit report has caused repeated miscommunication from creditors and reporting agencies. Important letters and notices have gone astray due to this error. Every instance of misdirected correspondence has created unnecessary stress, delayed financial transactions, and unfairly influenced my credit evaluation. This inaccuracy is not a minor clerical errorit reflects negligence in verifying my personal data, and it is imperative that it be removed immediately to prevent further harm. 
XXXX XXXX XXXX CT XXXX, TX XXXX Issue : Wrong Address Law : FCRA Section 611 Story : I have never resided at this location, and its reporting is wholly erroneous. As a result, I have faced misdirected communications, unnecessary collection notices, and undue stress. Each day this incorrect information remains on my report affects my ability to obtain loans, services, and fair evaluation from creditors. This is a serious error that must be corrected immediately to restore accuracy and protect my rights. 
XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA Section 609, FDCPA Section 807 Story : This account has been reported as charged off incorrectly. I was never given proper notice of any delinquency. The false charge-off has caused significant harm to my XXXX XXXX, made it more difficult to obtain financing, and has created undue stress. This inaccurate reporting is a direct violation of my rights under FCRA and FDCPA. XXXX correction is necessary to prevent continued financial and emotional harm. 
XXXX XXXX XXXX High Balance : {$800.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA XXXX XXXX, FDCPA XXXX XXXX Story : This duplicate entry of a charge-off misrepresents my account history and further compounds the negative impact on my XXXX XXXX. The repeated false reporting demonstrates a failure to maintain accurate records and has caused additional stress and potential denial of services. Correction is required immediately. 
WORLD FIN XXXX High Balance : {$750.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA Section 611 Story : Reporting this account as charged off is completely false. I have no outstanding balance requiring such reporting, and the erroneous entry has harmed my creditworthiness. This misreporting has caused delays in financial approvals and unnecessary inquiries from creditors, demonstrating negligence in reporting practices. XXXX correction is necessary. 
XXXX XXXX High Balance : {$200.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA Section 611, FDCPA Section 809 Story : This account has been falsely reported as charged off. I have consistently maintained my obligations and have received no valid notice of delinquency. The presence of this false information negatively affects my credit profile, causing undue stress, missed financial opportunities, and potential legal exposure. Correcting this is mandatory under federal law. 
XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA Section 611 Story : Reporting this account as a charge-off is entirely inaccurate. I have no outstanding balance that warrants such reporting. The false entry has caused undue stress and misrepresentation of my financial responsibility. XXXX correction is required to restore accuracy and prevent further harm. 
XXXX XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA Section 611, FDCPA Section 807 Story : This charge-off is falsely reported. The reporting agency failed to verify the account before reporting, directly violating my rights. The incorrect reporting has harmed my ability to secure loans, impacted my XXXX XXXX, and caused severe financial stress. XXXX correction and removal are demanded. 
XXXX XXXX AUTO XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA Section 611 Story : Late payments reported are completely inaccurate. I have maintained timely payments, and this error has resulted in negative reporting affecting my XXXX XXXX and financial opportunities. The reporting agencys failure to verify this information constitutes a violation of my consumer rights. XXXX correction is required. 
XXXX XXXX XXXX XXXX * High Balance : {$960.00} Date Opened : XX/XX/XXXX Issue : Charge Off Law : FCRA XXXX XXXX, FDCPA XXXX XXXX Story : This account was charged off erroneously. Proper verification and notice were never provided. Reporting this account as a charge-off is misleading, damaging to my credit, and violates federal law. XXXX correction is required. 
XXXX XXXX XXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FCRA Section 611, FDCPA Section 809 Story : This account has been incorrectly reported as a collection. I dispute its validity and demand full verification. The false reporting has harmed my XXXX XXXX, caused undue stress, and affected my ability to access financial services. Removal of this inaccurate information is mandatory under federal law. 
XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Issue : Collection ( Duplicate ) Law : FCRA Section 611 Story : This duplicate entry misrepresents my financial history and unfairly exaggerates my alleged delinquency. Such repetitive and inaccurate reporting demonstrates negligence by the XXXX XXXX XXXX, resulting in reduced creditworthiness, undue stress, and a misleading impression of my financial responsibility. XXXX investigation and deletion of this duplicate entry are demanded. 
XXXX XXXX INT XXXX High Balance : {$9400.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FCRA Section 611, FDCPA Section 809 Story : This account is falsely reported as a collection. I have no obligation under this account, and its reporting has led to unwarranted inquiries from creditors, delayed financial approvals, and significant emotional distress. Continued reporting of this inaccuracy constitutes a violation of federal consumer protection laws and must be corrected without delay. 
XXXX XXXX XXXX High Balance : {$650.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FCRA XXXX XXXX, FDCPA Section 809 Story : This account has been reported as a collection incorrectly. I dispute the debts validity and demand full verification. The false reporting has damaged my XXXX XXXX, restricted access to financial opportunities, and caused undue stress. Federal law mandates removal of such inaccurate information, and I request immediate correction. 
XXXX XXXX XXXX CO XX/XX/XXXX Issue : Hard Inquiry Law : FCRA Section 604 ( a ) Story : I did not authorize this inquiry. Its presence on my credit report unfairly lowers my XXXX XXXX and implies activity that is not mine, resulting in financial harm and potential denial of credit. Removal is legally required. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Hard Inquiry Law : FCRA Section 604 ( a ) Story : This unauthorized inquiry misrepresents my credit activity and negatively impacts my XXXX XXXX. I dispute this inquiry and demand its immediate removal to restore accuracy to my credit report. 
XXXX XXXX XXXXXX/XX/XXXX Issue : Hard Inquiry Law : FCRA Section 604 ( a ) Story : I did not authorize this inquiry. Reporting of this hard inquiry is inaccurate and damaging to my financial reputation. XXXX correction is necessary under federal law. 

I request that all inaccuracies and unauthorized inquiries be investigated and removed immediately. Failure to correct these entries XXXX result in further legal action to enforce my rights under FCRA and FDCPA. I expect a written response and an updated credit report reflecting accurate information within the timeframe required by law.

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