Consumer complaint received 2025-10-07 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 writing to formally dispute and complain about numerous inaccurate items on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies maintain accurate information. I have discovered multiple errors including charge-offs, late payments, collections, wrong addresses, and unauthorized inquiries that I have no knowledge of. These inaccuracies have caused financial harm, stress, and potential damage to my reputation. I demand a full investigation, correction, and deletion where appropriate. The following items are inaccurate and require immediate action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Wrong Address : I have no connection to this property and never authorized any financial activity here. The listing of this address has created complications in validating my current residence and has affected my ability to apply for legitimate credit in a timely manner. The repeated misreporting of this address is a clear failure of due diligence by the reporting agency. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX - Wrong Address : I have never lived, worked, or had any financial account linked to this address. The inclusion of this location has caused confusion among creditors and has led to wrongful inquiries. Misreporting this address is a direct violation of FCRA accuracy requirements and has negatively impacted my credit profile. 
XXXX XXXX * High Balance : {$75.00} Date Opened : XX/XX/XXXX * * - Charge Off : I have no knowledge of this account, never opened it, and did not authorize it. This charge-off has harmed my credit score and caused lenders to question my creditworthiness. The inclusion of fraudulent or erroneous accounts without verification is a direct violation of FCRA 1681i. I request immediate verification and deletion if the account can not be validated. 
XXXX XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX * * - Late Payment : I have never missed payments on this account. The reporting of late payments is inaccurate, misleading, and negatively affects my credit history. This false report has complicated attempts to secure financing, created higher interest rates, and is a clear violation under FCRA 1681i and 1681s-2 ( b ) regarding accurate reporting and dispute handling. 
XXXX XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX * * - Late Payment : Duplicate reporting of the same late payment is incorrect. It exaggerates negative credit information and misrepresents my payment history. This inaccuracy has caused lenders to misjudge my reliability and constitutes harm under FCRA guidelines. 
XXXX XXXX High Balance : {$520.00} Date Opened : XX/XX/XXXX * * - Late Payment : I have never been late on payments for this account. The false late payment listing has caused difficulty in obtaining loans, increased borrowing costs, and undue stress. This inaccurate reporting harms my financial reputation and must be corrected to accurately reflect my payment history. 
XXXX XXXX XXXXXXXX * * High Balance : {$3300.00} Date Opened : XX/XX/XXXX * * - Charge Off : I do not recognize this account and never opened or authorized it. Reporting it as a charge-off has harmed my credit score, caused denials for legitimate credit applications, and created stress. This is a clear violation of FCRA 1681i, which mandates verification of disputed accounts. 
XXXX XXXX XXXXXXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX * * - Charge Off : I have never opened or authorized this account. Its inclusion has negatively impacted my credit score and credibility with financial institutions. Continued reporting without verification is unlawful under FCRA 1681i. 
XXXX  XXXX XXXX XXXX * High Balance : {$300.00} Date Opened : XX/XX/XXXX * * - Charge Off : I have never opened or authorized this account. Its reporting as a charge-off has negatively impacted my credit score and caused undue stress. This error has led to challenges when applying for credit and has unfairly influenced lenders perception of my financial reliability. Misreporting this account violates FCRA 1681i, which requires verification of disputed items. 
XXXX XXXX XXXXXXXX High Balance : {$450.00} Date Opened : XX/XX/XXXX * * - Collection : I have never interacted with this creditor. This collection accounts reporting has caused me to experience undue stress, delays in financial transactions, and wrongful assumptions about my responsibility as a borrower. It misrepresents my financial history and violates FCRA 1681s-2 ( b ) for accuracy. 
XXXX XXXX XXXX XXXXXXXX * High Balance : {$440.00} Date Opened : XX/XX/XXXX * * - Collection : I have no knowledge of this account. Its reporting has led to incorrect judgments by lenders and created unnecessary stress and confusion. This unauthorized inclusion is harmful to my financial reputation and violates FCRA 1681i. 
XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : This hard inquiry was not authorized by me. Its reporting falsely suggests I am seeking new credit, causing lenders to perceive higher risk and impacting my ability to access favorable credit. Immediate removal is necessary. 
XXXX XXXX XXXX XXXX XX/XX/XXXX - Inquiry : I did not request or authorize this inquiry. Unauthorized reporting harms my credit score, misleads lenders, and violates FCRA protections. Immediate investigation and deletion are required. 
XXXX XXXX XX/XX/XXXX XXXX XXXX : This inquiry was not authorized by me. Its reporting misrepresents my financial activity and has caused unnecessary difficulties in credit applications. Removal is required to correct the record. 
XXXX XXXX XX/XX/XXXX - Inquiry : I have no knowledge of this inquiry and did not authorize it. Reporting unauthorized inquiries is harmful, misleading, and must be corrected to maintain accurate credit history. 
XXXX XXXX XXXX XX/XX/XXXX - Inquiry : This inquiry was not authorized by me and falsely implies additional credit risk. Its reporting is harmful and must be removed to restore accuracy. 
XXXX XXXX XX/XX/XXXX - XXXX : Unauthorized inquiry. Its inclusion misrepresents my financial behavior, harms my creditworthiness, and is a violation of FCRA 1681b. Immediate correction is requested. 
XXXX XXXX XX/XX/XXXX - Inquiry : This inquiry was not authorized by me. Reporting unauthorized inquiries damages my credit reputation, creates obstacles in legitimate financial transactions, and violates FCRA regulations. Immediate removal is necessary.

I demand that all disputed items, unauthorized inquiries, incorrect late payments, collections, charge-offs, and wrong addresses be investigated thoroughly, verified with valid documentation, and corrected or deleted as required by law. Continued reporting of false information will compel me to escalate this matter, including filing complaints with the Federal Trade Commission ( FTC ) and pursuing legal action for damages caused by inaccurate reporting. This letter serves as my formal notice to all involved credit reporting agencies and creditors to comply fully with FCRA regulations.

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