Consumer complaint received 2025-08-13 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 filing this formal complaint against multiple furnishers and credit reporting agencies for their continued reporting of inaccurate, unverified, and misleading information on my consumer credit reports. Despite my previous disputes, these items remain, causing ongoing financial harm. The following accounts and inquiries are at issue : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : I have never resided at or been associated with this address. Reporting it is a direct violation of FCRA 1681e ( b ) which requires consumer reporting agencies to ensure maximum possible accuracy.

Law : Under FCRA 1681i, when a consumer disputes inaccurate information, the CRA must promptly investigate and delete unverifiable or false data.

Story : This address is entirely unrelated to my life history. I have never signed a lease, owned property, received mail, or conducted any financial transactions linked to this location. The presence of this wrong address suggests file contamination or mixed file error, which is a serious breach of your duty to maintain accurate consumer data. This not only misrepresents my identity but also increases my vulnerability to identity theft, fraud investigations, and wrongful debt collection. The fact that this information is being shared with lenders and other institutions without my consent has already led to embarrassing and humiliating rejections when applying for housing and credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : Completely unrelated to me.

Law : FCRA 1681c ( a ) ( 4 ) prohibits obsolete or false identifiers in consumer reports.

Story : This is an especially concerning error because it appears to be an active residential address, which increases the danger of my personal data being confused with another individual living there. Such errors can lead to cross-reporting of debts, criminal background data, and other personal information that has nothing to do with me. This is negligent data management and a breach of my consumer rights. 
XXXX XXXX High Balance : {$240.00} Date Opened : XX/XX/XXXX Late Payment Issue : This account contains inaccurate late payment history. 
Law : FCRA 1681s-2 ( a ) prohibits furnishers from reporting inaccurate information ; 1681i requires investigation. 
Story : I have maintained an on-time payment record with XXXX, yet this account is showing late payments that never occurred. My bank statements and payment confirmations prove timely payment, but XXXX and the credit bureaus have continued to report otherwise, damaging my credit score. This has resulted in me being offered higher interest rates on recent loan applications and being turned away for certain lines of credit. 
XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off Issue : False charge-off reporting. 
Law : FCRA 1681s-2 ( a ) ( 1 ) ( B ) prohibits reporting information that is known to be inaccurate.

Story : Reporting a charge-off with a {$0.00} balance is contradictory and misleading. If the balance is zero, there can not be a charge-off. This inaccurate derogatory remark is misleading creditors into believing I defaulted on this account, which I did not. I have been denied XXXX major credit cards in the last XXXX months due to this false notation. 
XXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Charge Off Issue : False charge-off. 
Law : Same as above. 
Story : XXXX  reporting is riddled with inconsistencies, including incorrect payment dates and amounts. Without producing the original signed agreement or proof of default, they are in violation of federal law by continuing to damage my credit file. 
XXXX XXXX XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payment incorrectly reported. 
Law : FCRA 1681i mandates prompt deletion if unverifiable.

Story : This late payment marker appears to be the result of a clerical error during a system update. The reporting has lowered my score by over XXXX points, impacting my ability to obtain a business loan for an expansion project, which has caused significant financial setbacks. 
XXXXXXXX XXXX  XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Charge Off Issue : False and harmful reporting. 
Law : FCRA + FDCPA violations for unverified charge-off. 
Story : XXXX XXXX has never provided me with any written notice or opportunity to cure the alleged default before reporting the charge-off, violating my due process rights. This has prevented me from securing affordable auto financing. 
XXXX  XXXX XXXX High Balance : {$54.00} Date Opened : XX/XX/XXXX Charge Off Issue : Illogical charge-off for such a small balance without proper due process.

Law : FCRA 1681e ( b ).

Story : This appears to be an automated system error. A {$54.00} balance does not warrant a charge-off within such a short time frame, yet this derogatory remark is present and harming my profile. 
XXXX  XXXX XXXX High Balance : {$190.00} Date Opened : XX/XX/XXXX Charge Off Issue : Same as above. 
Law : Same as above. 
Story : Without sending me any notice or statement, XXXX has wrongly reported this account as a charge-off. This is reckless and damaging. 
XXXXXXXX XXXX  XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Charge Off Issue : Inaccurate reporting. 
Law : FCRA 1681s-2 ( b ) obligates furnishers to correct inaccurate data after dispute. 
Story : Despite repeated disputes, XXXX XXXX continues to list this account as charged-off without providing any legitimate proof, demonstrating willful noncompliance. 
XXXX XXXX XXXX XXXX High Balance : {$450.00} Date Opened : XX/XX/XXXX Collection Issue : Unauthorized collection. 
Law : FDCPA 809 requires debt validation before collection reporting ; none was provided. 
Story : XXXX XXXX has a known history of purchasing old, unverified debts and reporting them as new collections. I have never received any validation letter or proof that this debt belongs to me, yet it is severely damaging my credit. 
XXXX XXXX XXXX XXXX High Balance : {$510.00} Date Opened : XX/XX/XXXX Collection Issue : No validation provided, debt possibly beyond statute of limitations, and account ownership unverified.

Law : FDCPA 807 ( 8 ) prohibits credit reporting of unverified debt ; FCRA 611 ( a ) mandates investigation and deletion if unverifiable. 
Story : XXXX has a known pattern of purchasing stale debts and reporting without proper documentation. This reporting is damaging and unlawful. 
XXXX XXXX XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Charge Off Issue : No evidence of creditor-consumer relationship. Account reporting as charge-off without proof of ownership or default terms.

Law : FCRA 609 ( a ) ( 1 ) entitles me to original contract ; FDCPA 807 prohibits misrepresentation.

Story : This charge-off is being reported without any supporting agreement, violating my rights and damaging my financial standing. 
XXXX XXXX XXXX High Balance : {$550.00} Date Opened : XX/XX/XXXX Collection Issue : No validation, possible re-aging, duplicate debt with different names.

Law : FDCPA 809 ( b ), FCRA 605 ( a ) & 623 ( a ) ( 5 ).

Story : This is a repeated pattern of inaccurate reporting by XXXX XXXX affiliates, harming my creditworthiness. 
XXXX XXXX XXXX High Balance : {$600.00} Date Opened : XX/XX/XXXX Collection Issue : No written validation received ; unclear chain of title.

Law : FDCPA 809 ( b ), FCRA 607 ( b ).

Story : The presence of multiple XXXX accounts suggests systemic reporting abuse. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$880.00} Date Opened : XX/XX/XXXX Collection Issue : No validation, reporting past statute of limitations.

Law : FCRA 605 ( a ), FDCPA 807, 809.

Story : This debt is stale and being reported unlawfully. 
INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized inquiry, no credit application submitted. 
Law : FCRA 604 ( a ).

Story : This appears to be a fishing inquiry without my consent. 
XXXX XXXX XXXX XX/XX/XXXX Issue : No permissible purpose.

Law : FCRA 604 ( a ).

Story : This inquiry reduced my score unfairly. 
XXXX XXXXXX/XX/XXXX Issue : Inquiry made without my consent or application.

Law : FCRA 604 ( a ). 
Story : Harmful and unauthorized credit pull. 
Relief Requested : I request that the CFPB investigate these furnishers and credit reporting agencies for willful violations of FCRA and FDCPA, order the immediate deletion of all unverifiable and duplicate accounts, and ensure removal of all unauthorized hard inquiries. 
These violations have caused significant harm to my creditworthiness, emotional distress, and financial opportunities. I request written confirmation of the actions taken within the statutory period.

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