Consumer complaint received 2025-08-11 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 with the Consumer Financial Protection Bureau ( CFPB ) because my credit report contains multiple false addresses, inaccurate account reporting, and unauthorized credit inquiries. These serious violations have caused significant damage to my credit profile, hindered my ability to obtain credit, and harmed my financial reputation. The reporting parties and credit bureaus have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) by failing to ensure maximum possible accuracy, by continuing to report unverified and disputed information, and by allowing unauthorized access to my credit file. I am demanding that the CFPB take immediate enforcement action to investigate, compel compliance, and ensure permanent removal of all inaccurate and unauthorized information from my credit report. 
ADDRESSES Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Law : FCRA 607 ( b ), 611 You must assure maximum possible accuracy and remove unverifiable addresses. 
Issue : This address is not mine and is causing incorrect association with accounts. 
Story : I have never resided at this location, signed a lease here, or received mail here. I have no family, friends, or employment history connected to this property. Seeing it appear on my credit report is alarming because it suggests my information may have been mixed with someone elses file. This can cause lenders to deny me based on debts or histories that belong to another person. I request removal unless you can provide an original lease agreement or government-issued ID tying me to this location.

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Law : FCRA 607 ( b ), 611 You must assure maximum possible accuracy and remove unverifiable addresses. 
Issue : This address is inaccurate and unrelated to my history. 
Story : I have never lived at this address, visited this property, or used it for any financial purpose. This is clearly a case of incorrect file merging. I have lived in only a few verified residences during the time this address supposedly applied, all of which I can document. Its presence is misleading to lenders and can link me to debts or public records that have nothing to do with me. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff Law : FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) Issue : Reporting as a charge-off with {$0.00} balance is misleading and unverifiable. 
Story : If this account truly has a {$0.00} balance, there is no logical reason to continue reporting it as a charge-off. This is a contradictory and harmful reporting error that creates the false impression I failed to pay a debt that I already settled or never owed. Without providing a signed contract, proof of default, and a full accounting from the original creditor, you must delete it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$700.00} Chargeoff Law : FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) Issue : Amount and reporting date are questionable. 
Story : This accounts reporting conflicts with my own records. I have never been provided the original agreement or a statement proving the exact amount owed at the time of charge-off. Without verification directly from XXXX XXXX XXXX, there is no legal basis for you to continue reporting this derogatory item. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$330.00} Late Payment Law : FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) Issue : Late payment can not be confirmed. 
Story : I have never seen a late payment notice from this creditor, and my records indicate all payments were made on time. If a payment was marked late, it could have been due to the creditors internal posting delay rather than my actual payment date. This makes it inaccurate to penalize my report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$170.00} Chargeoff Law : FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) Issue : Status and balance conflict with my records. 
Story : I do not believe this balance or charge-off status is correct. If this debt was paid, settled, or sold, it should no longer appear in this form. Unless you have a signed original account application and proof of balance calculation, delete it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00} Chargeoff Law : Same as above. 
Issue : This debt is unverified and potentially obsolete. 
Story : This is more than a decade old and may be past the legal reporting limit. Continuing to list it harms my credit without providing any benefit to lenders, especially when no current documentation exists to verify it.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$77.00} Late Payment Law : Same as above. 
Issue : No proof of this late payment. 
Story : I have never missed or delayed a payment on this account. If you can not provide a statement showing the date payment was due and when it was actually received, you must remove it. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00} Late Payment Law : Same as above. 
Issue : Alleged late payment is unproven. 
Story : I dispute this entry entirely. The claimed late payment is inconsistent with my own bank transaction history, and without official billing and payment records, it is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$690.00} Chargeoff Law : Same as above. 
Issue : Inaccurate and unverifiable. 
Story : I have not been shown how this amount was calculated or when the account officially defaulted. Any reporting without clear, documented evidence is unlawful. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} Collection Law : Same as above. 
Issue : No proof provided. 
Story : This collection appears without any original account data or signed agreement. 

XXXXXXXX XXXX XXXX  Law : Same as above. 
Issue : Unauthorized inquiry. 
Story : I never applied for financing from this company. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Law : Same as above. 
Issue : Unauthorized inquiry. 
Story : This was not initiated by me and must be deleted. 

I am requesting that the CFPB exercise its authority to enforce the provisions of the FCRA and hold the credit reporting agencies and furnishers accountable for these ongoing violations. The reporting of inaccurate addresses, unverified charge-off accounts, and unauthorized inquiries is a direct breach of my consumer rights. These actions have caused measurable harm to my creditworthiness and personal integrity. I demand that the CFPB require immediate deletion of all disputed and unverified items, removal of unauthorized inquiries, and provide me with written confirmation of all corrections within 30 days. Failure to address these violations will leave me no choice but to pursue all available 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