Consumer complaint received 2025-09-13 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 submitting this complaint regarding multiple inaccurate, incomplete, and misleading items being reported on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). These errors have caused me financial and reputational harm, and I request immediate investigation and correction. 

First, my credit file is showing addresses that do not belong to me and have no connection to my personal history. Specifically : XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Reporting inaccurate addresses violates FCRA 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer information. These addresses are damaging and misleading, and I request their immediate deletion. 

Next, I dispute the following accounts that are either inaccurate, unverifiable, or reported in violation of federal law : XXXX XXXX XXXX High Balance {$550.00}, Date Opened : XX/XX/XXXX, marked with late payments. I dispute the accuracy of the late payment reporting. Under FCRA 1681i, furnishers must fully verify records. No valid documentation has been provided proving this derogatory status is accurate. 

XXXX XXXX XXXX High Balance {$2400.00}, Date Opened : XX/XX/XXXX, reported as a charge-off. I dispute this reporting as misleading. A charge-off is not a legal obligation to report indefinitely, and continued reporting without validation violates FDCPA 807 ( 8 ) ( false representation of the character or legal status of a debt ). 

XXXX XXXX  High Balance {$520.00}, Date Opened : XX/XX/XXXX, reported as charge-off. This account is inaccurate and unverifiable. Re-aging or continued negative reporting beyond allowable limits under FCRA 605 ( a ) is unlawful. 

XXXX XXXX High Balance {$3700.00}, Date Opened : XX/XX/XXXX, reported with late payments. I dispute the accuracy and demand strict proof of verification from the furnisher. Failure to maintain records and properly verify violates FCRA 623 ( a ) ( 1 ) ( A ). 

XXXXXXXX XXXX XXXX XXXX Bankruptcy reporting. If this is being reported inaccurately or beyond the statutory 10-year reporting limit, it is a violation of FCRA 605 ( a ) ( 1 ). I request verification of accuracy and necessity of this record. 

XXXX Bank XXXX XX/XX/XXXX Inquiry. This inquiry was not authorized by me. Reporting unauthorized inquiries violates FCRA 604 ( a ), which requires permissible purpose for any access to consumer reports. This inquiry should be removed immediately. 

Each of these issues represents either inaccurate, unverifiable, or unlawful reporting. The FCRA gives me the right to accurate reporting, and the FDCPA protects against false or misleading collection activity. Failure to investigate and correct these errors will subject the furnishers and reporting agencies to liability under FCRA 616617 and FDCPA 813.

I request that the CFPB take immediate action to ensure these inaccurate addresses, accounts, and inquiries are fully investigated and permanently deleted if they can not be verified with legally admissible documentation. I also request confirmation in writing that corrective action has been taken.

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