Consumer complaint received 2025-09-26 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:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized items being reported on my credit file. These entries are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The presence of these false items has caused me harm, including damage to my credit reputation, denial of opportunities, and unnecessary XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address has never belonged to me, I have never lived at this property, nor have I ever used it for any financial purpose. Reporting this address is a violation of 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy. This misinformation creates the false impression of residency, identity confusion, and increases my risk of fraud and identity theft. The presence of this address is damaging to my credibility, and I demand its permanent deletion from my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX Charge Off * * Reported High Balance : -- | Date Opened : XX/XX/XXXX I have no knowledge of this alleged account, I have never signed for or received any credit product from XXXX XXXX XXXX, and I strongly deny owing any debt to them. Reporting this as a charge-off is fraudulent, inaccurate, and in violation of 15 U.S.C. 1681s-2. This account is clearly unverifiable and must be deleted immediately. Continuing to report a debt that can not be proven violates the FCRA and FDCPA, and I reserve my right to seek damages for this willful misconduct. 
XXXX XXXX XXXX XXXX Charge Off * * Reported High Balance : {$1400.00} | Date Opened : XX/XX/XXXX This account is being reported as a charge-off, which is completely false. I have never defaulted on this account, and I have no knowledge of any such charge-off being legitimate. This false report is destroying my creditworthiness and is a direct violation of my rights under the Fair Credit Reporting Act. If the creditor claims this account is mine, they must provide full documentation, including signed agreements and payment history. Without proof, the account is fraudulent and must be deleted at once. 
XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment * * Reported High Balance : {$590.00} | Date Opened : XX/XX/XXXX This account is being reported with late payments, which is completely inaccurate. I have never made late payments on this account, and the reporting is a false misrepresentation of my payment history. This is a direct violation of 15 U.S.C. 1681e ( b ), as the reporting agency failed to ensure accuracy before publishing damaging information. I demand the payment history be corrected to reflect on-time payments only. This false late payment reporting is reckless, damaging, and unlawful. 
XXXX XXXX XXXX  Late Payment * * Reported High Balance : {$320.00} | Date Opened : XX/XX/XXXX This account is incorrectly being reported with late payments. I have always maintained timely payments, and the current reporting is inaccurate, misleading, and harmful. False reporting of payment history violates federal law and directly damages my consumer reputation. I demand that all late payment notations be removed and the record updated to reflect accurate payment history. Failure to correct this will be treated as willful noncompliance under the law. 
XXXX XXXX XXXX XXXX  Late Payment * * Reported High Balance : {$20.00} | Date Opened : XX/XX/XXXX This account is being reported with late payments, which is absolutely wrong. The balance is extremely small, and I have always paid on time. This false reporting is a blatant violation of my rights and is evidence of negligence by the data furnisher and the reporting agencies. I demand that all inaccurate late payments be deleted from this account and the history corrected to show accurate reporting. 
XXXX XXXX XXXX XXXX XXXX Charge Off * Reported High Balance : -- | Date Opened : XX/XX/XXXX I have no knowledge of this alleged charge-off and strongly deny any responsibility for this account. I never signed for this credit, and the reporting of this account is fraudulent. Under 15 U.S.C. 1681i, I have the right to dispute and demand removal of unverifiable information, and since this account can not be validated, it must be deleted immediately. Reporting false charge-offs is damaging and unlawful, and I reserve my right to pursue legal remedies for this violation. 
XXXX XXXX XXXX XXXX XXXX Charge Off * * Reported High Balance : {$810.00} | Date Opened : XX/XX/XXXX This is another false charge-off being reported against me. I have no knowledge of this debt, nor have I ever been notified by XXXX XXXX XXXX XXXX of any delinquency. This information is inaccurate, unverifiable, and in violation of federal law. Without signed documentation proving this account belongs to me, it must be deleted immediately. Continued reporting is reckless disregard for the truth and subjects the data furnisher and bureaus to liability. 
XXXX XXXX XXXX XXXX * Charge Off * * Reported High Balance : {$100.00} | Date Opened : XX/XX/XXXX This charge-off is inaccurate and misleading. A {$100.00} account being reported as charged-off is suspicious and clearly unverifiable. I have no knowledge of ever opening or defaulting on this account. This information is damaging my consumer rights and directly violates 15 U.S.C. 1681s-2, which requires furnishers to report complete and accurate information. I demand this account be permanently deleted due to lack of proof and verification. 
XXXX XXXX XXXX XXXX XXXX XXXX Late Payment * * Reported High Balance : {$1000.00} | Date Opened : XX/XX/XXXX This account is being reported with late payments, which is completely false. I have never made any late payments on this account. This inaccurate reporting misrepresents my payment history and violates 15 U.S.C. 1681e ( b ). False reporting of payment performance causes financial harm, including denial of credit opportunities. I demand that the payment history be corrected immediately to reflect an accurate on-time record. 
XXXX XXXX XXXX XXXX Payment * * Reported High Balance : {$520.00} | Date Opened : XX/XX/XXXX This account has been falsely reported with late payments. I strongly dispute this notation as I always paid on time. This false history damages my consumer profile and creates a misleading credit picture for lenders. Under 15 U.S.C. 1681i, I am exercising my right to dispute and request correction of this reporting. The late payment entries must be deleted immediately and the account updated to reflect accurate reporting. 
XXXX XXXXXXXX XXXX  Late Payment * * Reported High Balance : {$710.00} | Date Opened : XX/XX/XXXX This account is being reported with late payments, which is entirely inaccurate. I have never been late on this account and deny these claims completely. The reporting of false late payments is reckless and unlawful. It paints me as an irresponsible borrower when in fact my payments were always on time. I am demanding an immediate correction of this account history to reflect accurate and lawful reporting only. 
XXXX XXXX XXXXXXXX XXXX Late Payment * * Reported High Balance : {$240.00} | Date Opened : XX/XX/XXXX This account has been inaccurately reported with late payments. I have no history of late activity with this account. Reporting a consumer as late when they have always been on time is a violation of the Fair Credit Reporting Act and directly damages creditworthiness. I demand that all late payment notations be permanently removed and the record updated to show accurate payment history. 
XXXX XXXX XXXX XXXX  Late Payment * * Reported High Balance : {$3000.00} | Date Opened : XX/XX/XXXX This account is showing late payments which are completely inaccurate. I have always made my payments on time and never failed to meet my obligations. Reporting me as late is reckless and false. This error damages my creditworthiness and is a violation of 15 U.S.C. 1681e ( b ), which requires the bureaus to ensure maximum accuracy. I demand the late payment notations be permanently removed and the history corrected to reflect on-time payments only. 
XXXX XXXXXXXX XXXX  Late Payment * * Reported High Balance : {$2700.00} | Date Opened : XX/XX/XXXX This account is incorrectly reporting late payments. I deny ever being late on this account, and the reporting is false and misleading. This damages my financial standing and directly violates my rights under the FCRA. I demand a reinvestigation and removal of all late payment entries from this account. 
XXXX XXXXXXXX XXXX Late Payment * * Reported High Balance : {$500.00} | Date Opened : XX/XX/XXXX This account is another example of false late payment reporting. I always paid on time, and there is no valid evidence that I was delinquent. The presence of late payments is inaccurate, harmful, and unlawful. I demand that the credit history be corrected to reflect accurate reporting. 
XXXX XXXX Late Payment * * Reported High Balance : {$3000.00} | Date Opened : XX/XX/XXXX This account is showing false late payments that are damaging my reputation as a borrower. I have no record of being late on this account, and the reporting is fabricated. Under 15 U.S.C. 1681i, I have the right to dispute and demand correction of inaccurate information. I require the immediate deletion of all late payment notations. 
XXXX XXXX Late Payment * * Reported High Balance : {$1700.00} | Date Opened : XX/XX/XXXX This account is reported with late payments which are untrue and unlawful. I dispute the accuracy of this reporting and demand correction. False late payment entries create an inaccurate picture of my payment behavior, which is a violation of my rights under the FCRA. I demand that this be corrected immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Collection * * Reported High Balance : {$1200.00} | Date Opened : XX/XX/XXXX I have no knowledge of this alleged account or debt, and I deny any responsibility for it. Reporting this as a collection is fraudulent, harmful, and in direct violation of 15 U.S.C. 1681i, as the item is unverifiable. I have never received any documentation, contract, or billing that proves this debt belongs to me. Therefore, it must be permanently deleted. Continued reporting without proof constitutes willful noncompliance and subjects the furnisher and reporting agency to liability. 
XXXX XXXX XXXX XXXX XXXX Collection * * Reported High Balance : {$2100.00} | Date Opened : XX/XX/XXXX This is another false collection account being reported against me. I have no knowledge of this alleged debt, and I never entered into any agreement with XXXX XXXX and Associates. Reporting this account is harmful, fraudulent, and in violation of my rights under federal law. Without valid proof, such as signed agreements or detailed billing, this account must be permanently deleted from my file. 
XXXX XXXX XXXX XXXXXXXX Collection * * Reported High Balance : {$2700.00} | Date Opened : XX/XX/XXXX I have no knowledge of this alleged debt and never entered into any agreement with XXXX XXXXXXXX XXXX. This collection is fraudulent, damaging, and unverifiable. Under 15 U.S.C. 1681i, the reporting of this account without proof of ownership is unlawful. Since no documentation exists to verify this debt, it must be permanently deleted. 
XXXX XXXX XXXX XXXX Collection * Reported High Balance : {$230.00} | Date Opened : XX/XX/XXXX This collection account is completely false. I do not recognize this debt, nor have I ever received billing or contracts from XXXX XXXX XXXX. Reporting unverifiable collections violates the FCRA and FDCPA. I dispute this account and demand deletion immediately, as it is fraudulent and harmful to my consumer rights. 
XXXX XXXX XXXX XXXX Collection * * Reported High Balance : {$670.00} | Date Opened : XX/XX/XXXX This account is being reported as a collection, which is false and damaging. I have no relationship with XXXX XXXX XXXX regarding this debt, and I never signed any agreement or received any official billing for it. This reporting is inaccurate, unverifiable, and in violation of 15 U.S.C. 1681s-2. It must be permanently deleted. 
XXXX XXXX XXXX XXXX XXXX Collection * * Reported High Balance : {$2200.00} | Date Opened : XX/XX/XXXX This collection account is completely false and has no connection to me. I never opened or authorized any account with XXXX XXXX XXXX. Reporting this as a collection is fraudulent, inaccurate, and harmful. Without proper verification and supporting documents, this account must be deleted under federal law. 
XXXX XXXX XXXX XXXX Collection * Reported High Balance : {$1100.00} | Date Opened : XX/XX/XXXX This is another false collection being reported by XXXX XXXX XXXX. I strongly deny any responsibility for this account, and I never authorized such an account to exist. This reporting is a direct violation of 15 U.S.C. 1681e ( b ), which requires maximum accuracy in reporting. I demand deletion of this unverifiable account immediately. 
XXXXXXXX XXXX XXXX Collection * * Reported High Balance : {$1300.00} | Date Opened : XX/XX/XXXX This account is completely false and reported without my consent or knowledge. I have no relationship with XXXX XXXX, nor have I received any documentation supporting this alleged debt. The reporting of this collection is fraudulent and violates both the FCRA and FDCPA. It must be deleted immediately. 
XXXX XXXX XXXX Charge Off * * Reported High Balance : {$1800.00} | Date Opened : XX/XX/XXXX This account is inaccurately reported as a charge-off. I have no knowledge of ever defaulting on this account, and I deny any claim of nonpayment. Reporting a charge-off without proof of delinquency is a violation of the FCRA and directly damages my creditworthiness. I demand deletion of this false charge-off immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX Charge Off * * Reported High Balance : {$740.00} | Date Opened : XX/XX/XXXX This account is being falsely reported as a charge-off. I have no record of default, nor did I ever receive official notices of such action. This is inaccurate, misleading, and unlawful under 15 U.S.C. 1681. I demand verification with full documentation, and if such can not be provided, this account must be permanently deleted from my file. 
XXXX XXXX XXXX XXXX Charge Off This account is being reported as a charge-off with a balance of {$0.00}. I have no knowledge of ever having an account with XXXX XXXX, and I was never notified of any delinquency. Reporting a charge-off with no valid balance and without proof of contractual obligation is misleading and a direct violation of FCRA 602 ( A ) and 607 ( B ). This reporting must be deleted. 
XXXX XXXX XXXX XXXX XXXX  Charge Off * This charge-off is being reported inaccurately. I have no knowledge of this account, no contract, and no agreement with this creditor. No validation has been provided, and reporting it without evidence violates FCRA 609 ( a ) and 611 ( a ). This account must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment * * This account is reporting late payments. I dispute these as inaccurate because I have never missed any payments. Reporting false late payments damages my payment history and creditworthiness. This violates FCRA 607 ( B ), which requires maximum accuracy. The account history must be corrected immediately to reflect on-time payments. 
XXXX XXXX XXXX XXXX XXXX Charge Off * * This charge-off is not mine. I have no relationship with XXXX XXXX XXXX, no contract, and no verification has been provided. Reporting a charge-off without validation is a violation of FCRA 611 ( a ). This account must be deleted as unverifiable.

Unauthorized Hard Inquiries Under FCRA 604 ( a ), a consumer reporting agency may only furnish a report when there is a permissible purpose and with my authorization. The following inquiries were made without my knowledge or consent : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX L XX/XX/XXXX XXXX XX/XX/XXXX I never authorized these companies to access my credit file. These inquiries are damaging my credit and are clear violations of the FCRA. I request their immediate removal from all of my credit reports. 
Consumer Harm and Legal Grounds Because of these inaccurate charge-offs, false late payments, and unauthorized inquiries, I have suffered the following : Denial of credit opportunities Higher interest rates Emotional distress and reputational harm The reporting agencies and furnishers are in violation of : FCRA 607 ( b ) : Duty to maintain accuracy of information FCRA 609 ( a ) : Right to disclosure of information FCRA 611 ( a ) : Right to dispute and reinvestigation FCRA 604 ( a ) : Limitations on permissible purpose for inquiries Relief Requested I respectfully request the CFPB to enforce my rights under the FCRA and require : 1. Permanent deletion of the above-listed charge-off and late payment accounts from all credit reports, unless full validation is provided.

2. Immediate removal of all unauthorized inquiries from my credit reports.

3. Written confirmation of the corrective actions taken.

Failure to act would leave me with no choice but to pursue further remedies under the FCRA, FDCPA, and other applicable consumer protection laws.

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