Consumer complaint received 2025-12-25 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:
I am submitting this complaint regarding multiple inaccurate and unverifiable items appearing on my consumer credit reports. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused financial harm, credit denials, and ongoing distress. Despite my right to accurate reporting, these items remain uncorrected. 

Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have no knowledge of this address, and it has never been associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address is not mine, and I have no connection to it. 
Applicable Law : FCRA 609 ( a ) ( 1 ) Right to dispute personal information FCRA 611 ( a ) ( 1 ) ( A ) Mandatory reinvestigation FCRA 607 ( b ) Maximum possible accuracy Demand : Please delete both addresses immediately as they are inaccurate and unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXigh Balance : {$150000.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute the accuracy and completeness of the late payment history reported on this account. The information lacks sufficient verification and XXXX be inaccurately reported. 
Applicable Law : FCRA XXXX ( a ) ( XXXX ) ( A ) Inaccurate reporting prohibited FCRA XXXX ( a ) ( XXXX ) Duty to correct and update FCRA XXXX ( a ) ( XXXX ) Reasonable reinvestigation Demand : If the late payment history can not be fully verified, it must be corrected or updated. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$180000.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute the reported late payments as inaccurate and misleading. Continued reporting without proper verification violates the FCRA. 
Applicable Law : FCRA XXXX ( b ) Accuracy requirement FCRA XXXX ( a ) ( XXXX ) ( B ) Prohibition of misleading information FCRA XXXX ( a ) ( XXXX ) ( A ) Reinvestigation requirement Demand : Please correct any inaccurate late payment information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXigh Balance : {$660.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute the late payment reporting as incomplete and unsupported by proper documentation. 
Applicable Law : FCRA XXXX ( a ) ( XXXX ) ( A ) Accuracy of information FCRA XXXX ( a ) ( XXXX ) Duty to promptly correct FCRA XXXX ( a ) Verification obligation Demand : Any late payment not fully verified must be corrected or updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$6500.00} Date Opened : XX/XX/XXXX Issue : Charge-Off I have no knowledge of this account, and I do not recognize it as belonging to me. Experian has failed to provide competent verification proving this account is mine. 
Applicable Law : FCRA XXXX ( a ) ( XXXX ) Right to documentation FCRA XXXX ( a ) ( XXXX ) Reinvestigation requirement FCRA XXXX ( a ) ( XXXX ) ( A ) Prohibition on reporting inaccurate information Demand : This account must be DELETED IMMEDIATELY due to lack of verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$11000.00} Date Opened : XX/XX/XXXX Issue : Charge-Off I have no knowledge of this account. Continued reporting without verified proof of ownership violates federal law. 
Applicable Law : FCRA XXXX ( b ) Maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) Reasonable reinvestigation FCRA XXXX ( a ) ( XXXX ) ( A ) Inaccurate information prohibition Demand : Please delete this charge-off account immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$32000.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute the accuracy of the late payment history. The reporting appears inconsistent and not properly substantiated. 
Applicable Law : FCRA XXXX ( b ) Accuracy FCRA XXXX ( a ) ( XXXX ) Duty to update and correct FCRA XXXX ( a ) ( XXXX ) Verification requirement Demand : Correct any inaccurate late payment information or update unverifiable entries. 

XXXX XXXX XXXX Date : XX/XX/XXXX I have no knowledge of this inquiry and did not authorize XXXX to access my credit file. 
Applicable Law : FCRA XXXX ( a ) Permissible purpose required FCRA XXXX ( a ) ( XXXX ) Reinvestigation of disputed items FCRA XXXX ( a ) Lawful access requirement Demand : If no permissible purpose can be proven, this inquiry must be deleted immediately. 

I request immediate deletion or correction of all inaccurate and unverifiable information, removal of the unauthorized inquiry, and full compliance with the FCRA. If unresolved, I reserve the right to pursue further legal remedies.

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