Consumer complaint received 2025-08-23 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 to formally dispute multiple inaccuracies and violations on my credit report, which have caused me significant financial and emotional harm. Despite repeated attempts to resolve these issues directly with the reporting agencies and creditors, the inaccurate information persists. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., which mandates that all information reported to credit reporting agencies be accurate, complete, and verifiable. The failure to comply with these obligations has caused severe financial hardship, stress, and impeded my ability to access credit under fair terms. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Law : FCRA 1681i Story : This XXXX XXXX has never been associated with me. Its reporting falsely implies my association with financial activity that I never conducted. Because of this, I have faced challenges in obtaining credit approvals and have experienced unnecessary stress and confusion. The reporting agencies have failed to reinvestigate and remove this incorrect information despite my repeated disputes. This violates the FCRAs mandate for accurate and verifiable information and places me at unjust financial risk. I demand immediate removal and verification of the accuracy of my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Wrong Address Law : FCRA 1681e ( b ) Story : This address has never been associated with me. Its appearance on my credit report undermines my credibility with lenders and reflects gross negligence in the reporting process. Accurate reporting is critical for the protection of consumer rights, and this error violates my legal rights under the FCRA. I insist on immediate correction and verification of all personal information. 
XXXX XXXX XXXXXXXX High Balance : {$93000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( a ), 1681i Story : The reported late payments are false. I have documentation proving timely payment history. Reporting inaccurate late payments has caused a significant reduction in my credit score, affecting my ability to refinance or obtain new loans at fair interest rates. This false reporting is damaging, stressful, and violates the FCRAs requirement for accuracy. I request full investigation, correction, and removal of all inaccurate entries for this account. 
XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681i Story : This account was in good standing and has been incorrectly reported as a charge-off. I have evidence of proper account management, and the false reporting is harming my financial reputation, creditworthiness, and ability to access financial services. Immediate correction is required to prevent ongoing financial harm. 
XXXX XXXX XXXX High Balance : {$7700.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681i Story : The reported late payments are inaccurate. I have always paid on time. This false reporting is causing stress, financial inconvenience, and unjust damage to my creditworthiness. The continued reporting demonstrates negligence and a violation of federal law. 
XXXX XXXX XXXX XXXX High Balance : {$330.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( b ) Story : This account was not late, and reporting it as such misleads lenders and affects my credit score. The inaccurate report is harmful, unjust, and violates my consumer rights. Immediate correction is required. 
XXXX XXXX XXXX XXXX High Balance : {$24000.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681i Story : This account has been falsely reported as a charge-off. Accurate reporting is critical for fair access to credit. The false report has caused significant financial damage, unjustified stress, and misrepresentation of my credit reliability. Immediate correction is needed. 
XXXX XXXX XXXX XXXX High Balance : {$22000.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681i Story : Duplicate reporting of this charge-off is false and misleading. This has compounded the damage to my credit reputation and violates my rights under federal law. I request immediate removal. 
XXXX XXXX High Balance : {$8100.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681i Story : The reported late payments are incorrect. I have consistently made timely payments. The false reporting has caused harm to my creditworthiness, leading to higher interest rates and difficulty obtaining new financial products. Immediate reinvestigation and correction are required. 
XXXX XXXX XXXX XXXX High Balance : {$12000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( a ), 1681i Story : The reported late payment on this account is inaccurate. I have maintained timely payments as agreed upon with XXXX XXXX XXXX. The false reporting has negatively affected my credit score, making it difficult to access loans or refinance existing debt. The inaccurate reporting constitutes a violation of federal law and demonstrates negligence in credit reporting. I demand a full investigation and correction of this account to reflect the accurate payment history, ensuring that my creditworthiness is not unjustly compromised. 
XXXX XXXX XXXX XXXX High Balance : {$6900.00} Date Opened : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 ( a ), 1681i Story : This account has also been inaccurately reported as having late payments. I have consistently paid on time, and the reporting of false delinquencies has caused undue stress, financial harm, and potential denials of credit. Accurate reporting is required by law, and the failure to maintain correct information is a violation of my rights. I request immediate reinvestigation, removal of the false late payment entries, and confirmation that my credit report accurately reflects my payment history. 
XXXX XXXX XXXX XXXX High Balance : {$3200.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FCRA 1681i Story : This collection account is being reported inaccurately. I dispute the validity of the debt as it has not been verified, and I have not received proper notice in compliance with FCRA requirements. The reporting of this unverified collection has already caused stress, potential credit denial, and financial inconvenience. I demand immediate investigation, validation of the debt, and removal of any inaccurate collection entry from my credit file to prevent further harm. 
XXXX XXXX XXXX XXXX High Balance : {$330.00} Date Opened : XX/XX/XXXX Issue : Collection Law : FCRA 1681i Story : This account is being inaccurately reported as a collection. I dispute its validity, and its presence on my credit report misrepresents my credit history, damages my reputation with lenders, and creates financial obstacles. Accurate reporting is required, and I request immediate removal of this inaccurate collection entry after proper investigation. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Charge-off Law : FCRA 1681i Story : This account was closed in good standing. Reporting it as a charge-off is false and damaging. The inaccurate reporting misleads lenders, negatively impacts my credit score, and creates unnecessary financial barriers. I request immediate correction and removal of this charge-off from my credit report. 
XXXX XX/XX/XXXX Issue : Inquiry Law : FCRA 604 ( a ) Story : This inquiry was made without my knowledge or consent. The reporting of unauthorized inquiries negatively impacts my credit profile and creditworthiness. I request immediate investigation, removal of this inquiry, and assurance that only authorized inquiries appear on my credit report.

I request the CFPB to intervene and ensure that all inaccuracies are fully investigated, corrected, and removed from my credit report. Continued failure to address these issues constitutes willful violation of the FCRA and causes ongoing financial and emotional harm. Documentation supporting my accurate account history can be provided upon request.

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