Consumer complaint received 2025-08-12 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 the credit reporting agencies and the listed furnishers for multiple and severe violations of the Fair Credit Reporting Act ( FCRA ) including but not limited to 602A, 604A, 605B, 609, 611, and 623. My consumer report contains wrong addresses, duplicate entries, inaccurate late payments, charge-offs, collections, and accounts that do not belong to me. These inaccuracies have damaged my creditworthiness, denied me access to fair credit opportunities, and caused emotional and financial harm. 
I am demanding an immediate investigation, deletion of all inaccurate information, and full compliance with federal law. Below are the disputed items : Under FCRA 602, 607 ( b ), and 611, you are required to maintain maximum accuracy and conduct a reasonable reinvestigation within 30 days. A " reasonable investigation '' requires you to obtain original source documentation ( not just data from an automated system ) directly from the original creditor. If you can not produce such verification, the disputed entry must be deleted immediately. 

Below are all disputed items, with details of the Issue, applicable Law, and the expanded Story about how each item is inaccurate and harmful : XXXX XXXX XXXX XXXX, XXXX  XXXX Issue : Not my mailing address. 
Law : FCRA 605B.

Story : I have never used this P.O. box for any financial or personal correspondence. The presence of this address may indicate that an account belonging to another person has been attached to my file, which increases the risk of identity theft and makes my credit report unreliable to legitimate lenders. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Issue : Inaccurate address.

Law : FCRA 609 ( a ) ( 1 ).

Story : No accounts of mine have ever been linked to this mailing address. False addresses in my file may prevent me from proving my legitimate residence history when applying for housing, credit, or government services. 

XXXX XXXX XXXX Balance {$270000.00} Opened XX/XX/XXXX Issue : Late payment inaccurately reported.

Law : FCRA 607 ( b ), 611 ( a ).

Story : My payment receipts contradict the late payment details on file. Incorrect payment history on a high-balance mortgage seriously impacts my creditworthiness, raises mortgage rates, and can even affect insurance premiums. The bureau must obtain signed, date-stamped billing records directly from the lender or delete this entry. 

XXXX XXXX Balance {$2000.00} Opened XX/XX/XXXX Issue : Charge-off unverifiable. 
Law : FCRA 611 ( a ), FDCPA 807. 
Story : Without an original signed contract and complete payment history from the creditor, this charge-off is unverified. An unverifiable negative account harms my credit score while depriving me of the opportunity to obtain fair credit terms. 

XXXX XXXX XXXX Balance {$300.00} Opened XX/XX/XXXX Issue : Late payment inaccurate.

Law : FCRA 607 ( b ).

Story : My bank statements show payments were made within agreed timelines. Mislabeling them as late creates a false narrative of financial irresponsibility, which is particularly harmful for future credit approvals. 

XXXX XXXX Balance {$0.00} Opened XX/XX/XXXX Issue : Late payment wrongly reported with zero balance.

Law : FCRA 611 ( a ).

Story : It is logically and legally inconsistent to report late payments for an account that carries no balance. This could mislead underwriters into thinking I am habitually late on payments, when in fact no such delinquency exists. 

XXXX XXXX XXXX  XXXX Balance {$2100.00} Opened XX/XX/XXXX Issue : Duplicate late payment entries. 
Law : FCRA 607 ( b ). 
Story : Reporting the same account multiple times inflates the perception of my debt load and payment issues. This misrepresentation can drop my credit score by several points unjustly, creating barriers to lending. 

XXXX XXXX  XXXX XXXX Balance {$840.00} Opened XX/XX/XXXX Issue : Charge-off inaccurate.

Law : FCRA 611, FDCPA 807.

Story : This account included payment arrangements that were not reflected in the reporting. Failure to update status while reporting a charge-off is misleading to potential lenders and a violation of your obligation to report accurate, complete data. 

XXXX XXXX Balance {$1100.00} Opened XX/XX/XXXX Issue : Unverified charge-off. 
Law : FCRA 611 ( a ). 
Story : Without original creditor validation, this listing must be removed. Retaining unverifiable debt is a form of negligent reporting. 

XXXX  XXXX XXXX Balance {$330.00} Opened XX/XX/XXXX Issue : Charge-off inaccurate. 
Law : FCRA 607 ( b ).

Story : This supposed charge-off lacks any legitimate proof in my possession or from the creditor. It unjustly harms my ability to obtain revolving credit. 

XXXX XXXX Balance {$600.00} Opened XX/XX/XXXX Issue : Duplicate charge-off.

Law : FCRA 607 ( b ).

Story : Duplication creates an exaggerated picture of my financial obligations and artificially lowers my credit rating. 

XXXX  XXXX Balance {$9300.00} Opened XX/XX/XXXX Issue : Unverified charge-off.

Law : FCRA 611 ( a ).

Story : This entry has the largest unsecured balance in dispute. Without hard proof of default, keeping this on file implies a major debt I may not owe, which is damaging to loan applications and interest rates. 

XXXX XXXX XXXX Balance {$590.00} Opened XX/XX/XXXX Issue : Charge-off inaccurate.

Law : FCRA 611 ( a ).

Story : Incomplete or missing creditor evidence makes this record unreliable. All negative information must be verifiable from the original lender. 

XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX Issue : Duplicate charge-off.

Law : FCRA 607 ( b ). 
Story : Multiple listings for the same creditor violate accuracy rules and mislead creditors. 

XXXX XXXX XXXX Balance {$3800.00} Opened XX/XX/XXXX Issue : Charge-off unsubstantiated.

Law : FCRA 611 ( a ). 
Story : Without documentation that includes original agreements, billing records, and payment histories, this charge-off status is unverifiable. 

XXXX XXXX XXXX XXXXXXXX Balance {$32000.00} Opened XX/XX/XXXX Issue : Late payment inaccurate.

Law : FCRA 607 ( b ).

Story : With timely mortgage-style payment history documented by bank transfers, showing late payments here is a false and damaging statement. 

XXXX  XXXX XXXX Balance {$380.00} Opened XX/XX/XXXX Charge-off Issue : Unverified charge-off.

Law : FCRA 611 ( a ).

Story : There is no evidence in my possession or provided by you showing a signed loan agreement, repayment schedule, or delinquency notices justifying this adverse status. Affirms internal record-keeping alone is not legally sufficient under the FCRA. Reporting this unsubstantiated claim damages my ability to obtain financing and misleads potential creditors about my payment conduct. 

XXXX XXXX XXXX Balance {$620.00} Opened XX/XX/XXXX Charge-off Issue : Inaccurate and unverified utility-related charge-off.

Law : FCRA 607 ( b ), 611 ( a ).

Story : Utility debts require precise meter readings, consumption data, billing cycles, and proof of unpaid balances. None of this documentation has been provided. Basing a serious derogatory mark on incomplete info is a violation of your duty for maximum accuracy, and has an undue negative impact on my credit standing. 

XXXX XXXX XXXX Balance {$5000.00} Opened XX/XX/XXXX Charge-off Issue : Unverified high-balance charge-off.

Law : FCRA 611 ( a ).

Story : This substantial amount wrongly suggests I defaulted on a major loan. As required, you must retrieve the original promissory note, itemized payment history, and delinquency notice sent to me. Absent this, the claim is unverifiable and unlawfully damaging to my credit profile. 

XXXX  XXXX XXXX Balance {$1100.00} Opened XX/XX/XXXX Charge-off Issue : Duplicate/unverified charge-off. 
Law : FCRA 607 ( b ).

Story : This appears to be a duplicate of other XXXX accounts, inflating my perceived default ratio and unfairly lowering my credit score. No independent proof or original documentation has been provided for this specific entry. 

XXXX  XXXX Balance {$30000.00} Opened XX/XX/XXXX Late Payment Issue : Late payment inaccurately reported.

Law : FCRA 607 ( b ), 611 ( a ).

Story : My own documented bank transfer records reflect timely payments, so portraying this as late paints a false picture. Since this is a large loan, the penalty on my credit profile is severe, affecting mortgage terms and overall credit ratings. 

XXXX  XXXX XXXX Balance {$260.00} Opened XX/XX/XXXX Charge-off Issue : Small-balance charge-off without verification.

Law : FCRA 611 ( a ).

Story : Regardless of balance size, each derogatory mark materially affects my score. Without written proof from XXXX such as signed application and billing history this status must be deleted. 

XXXX XXXX XXXX XXXX Balance {$490.00} Opened XX/XX/XXXX Collection Issue : Debt buyer collection no original proof.

Law : FCRA 611 ( a ), FDCPA 809. 
Story : Debt buyers like XXXX must show full chain of title from original creditor, along with contracts and full history. Without it, the account is unverifiable and misleading. 

XXXX XXXX XXXX XXXX Balance {$5500.00} Opened XX/XX/XXXX Charge-off Issue : Unverified debt-purchaser account.

Law : FCRA 611 ( a ).

Story : The absence of notarized sale/assignment documentation renders this entry unverifiable. Continuing to list it violates accuracy standards and subjects you to liability for negligent reporting. 

XXXX XXXX XXXX XXXX Balance {$1100.00} Opened XX/XX/XXXX Collection Issue : Duplicate listing.

Law : FCRA 607 ( b ).

Story : This appears identical to other XXXX entries with the same balance. Multiplying a single debt into multiple tradelines creates an inaccurate picture of my financial responsibility. 

XXXX XXXX XXXX XXXX Balance {$1600.00} Opened XX/XX/XXXX Collection Issue : Unverified collection.

Law : FCRA 611 ( a ).

Story : No proof has been provided showing I ever agreed to or owed this balance. Without a contract, payment history, and assignment documents from original creditor, it must be removed. 

XXXX XXXX Balance {$1100.00} Opened XX/XX/XXXX Charge-off Issue : Unverified buy now, pay later debt.

Law : FCRA 611 ( a ).

Story : No transaction log, installment history, or signed agreement has been produced. Without exact proof, this entry is unverified and misleading. 

XXXX XXXX XXXX Balance {$500.00} Opened XX/XX/XXXX Collection Issue : Duplicate entry.

Law : FCRA 607 ( b ).

Story : Reports the same obligation as # 13 ; duplicated derogatories artificially diminish my creditworthiness. 

XXXX XXXX XXXX Balance {$630.00} Opened XX/XX/XXXX Collection Issue : Duplicate of # 12. 
Law : FCRA 607 ( b ).

Story : Multiple appearances of the same debt across tradelines is misleading and must be corrected. 

XXXX XXXX XXXX Balance {$740.00} Opened XX/XX/XXXX Collection Issue : No proof of debt.

Law : FCRA 611 ( a ).

Story : Without evidence from original creditor showing contractual agreement and default, this must be deleted under federal accuracy requirements. 

XXXX XXXX XXXX Balance {$540.00} Opened XX/XX/XXXX Collection Issue : No verifiable documentation.

Law : FCRA 611 ( a ).

Story : Debt collection reporting is only permissible with proof directly from original creditor showing the debt was validly assigned to XXXX XXXX and remains due. This has not been provided. 

RELIEF REQUESTED : 1. Immediate deletion of all inaccurate addresses.

2. Permanent removal or correction of all disputed accounts.

3. Written confirmation from all CRAs and furnishers of compliance.

4. Compensation for damages caused by negligent and willful reporting violations under FCRA 616 and 617.

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