Consumer complaint received 2025-09-05 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:
I am formally notifying the Consumer Financial Protection Bureau of multiple erroneous items on my credit report, including a wrong address and fraudulent accounts. These inaccuracies violate FCRA Sections 1681i, 1681e ( b ), 1681s-2, 609 ( a ), 611, and 623 ( a ) ( 1 ), which require accurate and verifiable reporting. The false reporting has resulted in harm to my financial standing, denial of credit opportunities, and emotional stress. I request the CFPBs intervention to ensure thorough reinvestigation, verification, and removal of unverifiable items. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address has been incorrectly listed on my credit report and has never been my residence. I have no association with this property, and its inclusion is factually inaccurate. Reporting this false information misleads potential creditors and harms my credit profile. Under FCRA 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy in reporting all data. I request full verification of this address with official documents from the creditor or property records. Without such verification, this inaccurate address must be permanently deleted. Continuing to report this address without proof violates my consumer rights and could lead to regulatory action. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX This address has been reported as my residence, but I have never lived at this location. Its appearance on my credit report is false and misleading. According to FCRA 1681e ( b ), credit bureaus are required to maintain maximum accuracy in all reported information. I request full documentation verifying my residence at this property. If verification can not be provided, this address must be deleted permanently. Reporting unverified addresses violates my rights and negatively impacts my creditworthiness. I demand a thorough reinvestigation to correct this material inaccuracy and prevent future reporting errors. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Opened XX/XX/ Balance {$0.00} XXXX XXXX This account is inaccurately reported as a charge-off. I have no balance owed that would justify a charge-off, and I dispute the validity of this entry. Under FCRA 1681i ( a ), credit bureaus are required to conduct a full and reasonable reinvestigation of disputed information. I demand documented evidence from the original creditor proving that I incurred a balance resulting in this charge-off. Reporting this without verification constitutes a material inaccuracy and violates FCRA 1681e ( b ), which requires maximum possible accuracy. The presence of this false charge-off harms my creditworthiness and misleads potential lenders. I request that this item be deleted unless substantiated by official documentation. Failure to correct this misreporting would continue to violate my consumer rights and may lead to regulatory complaints. 

XXXX XXXX XXXX XXXXXXXX Late Payment Opened XX/XX/XXXX  Balance {$0.00} This account is being reported with late payments that I did not incur. I have always made timely payments, and these alleged late payments are inaccurate. Under FCRA 1681i ( a ), I have the right to a thorough reinvestigation of all disputed entries. The credit bureau must obtain verification from the original creditor, including detailed payment history. If the bureau can not provide sufficient proof, these late payment entries must be removed immediately. Reporting unverified late payments violates FCRA 1681e ( b ) and causes reputational harm and credit score damage. I demand that this account be corrected to reflect accurate payment information. Maintaining false negative information constitutes a continued violation of my legal rights under FCRA. I expect a detailed response and full documentation to support any reporting that remains. 

I respectfully request the CFPB to ensure that all reporting agencies and creditors comply with the FCRA, verifying all disputed items or deleting them if unverifiable. The false reporting has caused financial damage, stress, and harm to my reputation. I expect confirmation in writing once all inaccuracies have been fully addressed.

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