Consumer complaint received 2025-10-06 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 the Consumer Financial Protection Bureau regarding multiple inaccuracies and violations on my credit report. Despite my previous efforts to correct these issues directly with the reporting agencies, the errors persist, causing significant harm to my creditworthiness, financial stability, and access to essential financial services. I request CFPB intervention to ensure the full and accurate reporting of my credit information in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection laws. 

Address : XXXX XXXX XXXX XXXX, SC XXXX Wrong Address This address is inaccurately reported on my credit file. FCRA 611 requires reinvestigation of disputed items and correction of inaccuracies. I have never resided or authorized reporting to this address. Maintaining this address misleads lenders and affects my credit risk assessment. The bureau must verify with documented proof or delete the address. Prior investigations did not provide verification, constituting a violation of my rights under FCRA 609 ( a ), 611 ( a ). My creditworthiness and personal history are being misrepresented by this false address. Verification must include signed documentation from the creditor confirming residence. Failure to verify requires immediate deletion. This inaccurate reporting has caused tangible harm and potential denial of credit offers. Corrective action is necessary under FCRA obligations. All reporting agencies must comply fully. Deletion and written confirmation of removal are required. The failure to correct this repeated misinformation demonstrates negligence and disregard for my statutory rights. I demand immediate and permanent removal of this address from my credit file. This reporting constitutes a direct violation of FCRA that impacts credit decisions and may expose the bureaus to legal liability. 

Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX Wrong Address This address is falsely associated with my credit report. Under FCRA 607 ( b ), 611, inaccurate addresses must be corrected or removed upon dispute. I have never resided here, nor authorized reporting to this location. Prior dispute efforts failed to verify or remove it. The continued presence of this incorrect information harms my credit profile and misleads lenders. I demand proper investigation with proof of residence or deletion. Documentation from the reporting entity is required. Retention of this address without verification violates FCRA 609 ( a ) and 611 ( a ). Reporting of unverified addresses is a direct violation, affecting my ability to obtain credit fairly. Immediate corrective action is required, with written confirmation. Failure to remove false addresses undermines my legal rights and financial opportunities. I insist that this incorrect address be permanently deleted to prevent future reporting errors. The presence of false addresses is a serious breach of accuracy requirements under FCRA. Written confirmation of removal is mandatory. 

Account : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off This account is inaccurately reported as a charge-off. FCRA 611 requires that disputed accounts be verified with original creditor documentation. I have no obligation for this debt as reported ; prior disputes did not yield verification. Reporting unverified charge-offs misrepresents my creditworthiness and violates 607 ( b ), 611. I demand deletion unless proper proof is supplied. Maintaining this account as a charge-off without verification is unfair, misleading, and a violation of law. Verification must include signed account statements confirming debt responsibility. Inaccuracy continues to cause harm to my credit profile. Corrective deletion or proper verification documentation is required. Prior reinvestigation efforts failed to resolve this issue. Continued reporting violates my legal rights under FCRA and threatens my ability to secure fair financing. I demand the bureau provide full validation or remove this item immediately. I will pursue all remedies allowed under federal law if unverified items remain. Verification must include all statements, payment history, and debt agreement signed by an authorized officer. 

Account : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off FCRA 611 mandates reinvestigation of disputed accounts. This account is reported as a charge-off incorrectly. No verification has been provided. Continued reporting harms my credit and misleads lenders. Prior disputes did not result in proper documentation. Deletion or accurate reporting is required. Documentation confirming the debt and my responsibility must be provided. Unverified reporting violates 607 ( b ), 609, 611. Maintaining this item is inaccurate and prejudicial. I demand proper investigation and immediate corrective action. The bureau must comply with FCRA obligations fully. Written confirmation of correction or deletion is requested. Failure to act perpetuates misinformation and demonstrates noncompliance with federal law. Verification from the original creditor must be provided immediately. Failure to provide evidence requires deletion. 

Account : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is reported without proper verification, violating FCRA 611. Prior disputes did not provide evidence of accuracy. Retention of this item misrepresents my credit responsibility. Verification requires original creditor statements signed and dated. Failure to verify requires deletion. Reporting unverified charge-offs violates 607 ( b ), 609. Harm to my creditworthiness is ongoing. Bureau must comply with reinvestigation duties. Correction or deletion must be confirmed in writing. Reporting inaccurate charge-offs without proper verification constitutes a serious breach of FCRA. I demand immediate corrective action and written confirmation. If verification can not be provided, deletion is mandatory. Continued failure will result in further legal action. Full account history, payment records, and account opening documents must be verified. 

Account : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge-off inaccurately. FCRA 611 requires validation upon dispute. No verification has been provided. Reporting false charge-offs violates 607 ( b ), 611, misleading lenders. Prior investigations failed. Immediate deletion or proper verification is required. Documentation must confirm debt responsibility. Continued reporting harms credit. Verification must include complete account statements and signed evidence from the original creditor. Deletion is required if verification is unavailable. The bureau has a legal obligation to maintain accurate reporting under FCRA. Failure to comply will result in legal remedies. Full documentation, including contract and payment history, must be verified. Written confirmation of action is required. 

Account : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX Charge Off FCRA 611 mandates reinvestigation. No validation provided for this charge-off. Prior disputes were ignored or improperly investigated. Continued reporting harms creditworthiness. Verification from the original creditor is required. If unverifiable, deletion is required. Reporting false charge-offs violates 607 ( b ), 609. The ongoing presence of this item is illegal and prejudicial. I demand immediate correction or removal. Written confirmation of removal or proper verification is mandatory. Failure to act demonstrates negligence and disregard for federal law. Documentation proving account accuracy must be provided immediately. 

Account : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$160.00} Date Opened : XX/XX/XXXX Charge Off This account is falsely reported. FCRA 607 ( b ), 611 require verification. Prior disputes provided no results. Reporting unverified charge-offs harms credit. Verification or deletion required. Written confirmation must be provided. Failure to verify constitutes violation of FCRA. Continued inaccurate reporting misleads lenders and negatively impacts my financial standing. All documentation must be produced or the item deleted. The bureau has statutory duty to investigate thoroughly. I demand deletion if verification is not possible. Prior disputes demonstrate ongoing negligence. Legal action will be pursued if this item is not corrected. 

Account : XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$780.00} Date Opened : XX/XX/XXXX Charge Off Inaccurate reporting violates FCRA 611. Prior disputes ignored verification requirements. Retention harms credit. Verification or deletion required. 607 ( b ), 609 apply. Written confirmation must follow. Prior reinvestigation failed to provide validation. Continued reporting misleads lenders and affects credit applications. I demand immediate removal if verification is not provided. All supporting documentation must be verified. Failure to act constitutes ongoing violation of FCRA. Written confirmation of action is required. 

Account : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment This late payment is falsely reported. FCRA 611 requires verification. No proof provided. Prior disputes failed. Retention misleads lenders. Verification or deletion required. 607 ( b ), 609 violated. Harmful to credit. Written confirmation requested. Verification must include signed payment history from creditor. Failure to correct violates FCRA. Documentation proving accurate reporting must be supplied. Immediate deletion or correction required. Prior reinvestigation attempts were inadequate. Failure to comply will result in further legal action. 

Account : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} Date Opened : XX/XX/XXXX Late Payment FCRA 611 requires reinvestigation. No verification. Prior disputes inadequate. Reporting is inaccurate. Verification or deletion required. 607 ( b ), 609 violated. Written confirmation requested. Account statements and creditor verification must be provided. Failure to provide verification requires deletion. Misreporting negatively impacts creditworthiness. Prior reinvestigation failed. Immediate corrective action is required. Written confirmation of deletion or correction is mandatory. 

Account : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} Date Opened : XX/XX/XXXX Late Payment Reported falsely. FCRA 611 mandates verification. No proof supplied. Prior disputes failed. Reporting harms credit. Verification or deletion required. 607 ( b ), 609 violated. Written confirmation required. Full creditor documentation must be produced. Failure to correct constitutes ongoing violation. Prior reinvestigation inadequate. Immediate deletion or correction required. Written confirmation of action is mandatory. 

Account : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$610.00} Date Opened : XX/XX/XXXX Late Payment FCRA 611 mandates validation. No verification. Prior disputes ignored. Misleading reporting harms credit. Verification or deletion required. 607 ( b ), 609 violated. Written confirmation requested. Original creditor records must be verified. Failure to act constitutes FCRA violation. Immediate correction required. Written confirmation mandatory. Prior reinvestigation attempts were inadequate. Failure to comply exposes bureaus to liability. 

Account : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$490.00} Date Opened : XX/XX/XXXX Late Payment FCRA 611 requires reinvestigation. No validation. Prior disputes failed. Reporting harms credit. Verification or deletion required. 607 ( b ), 609 violated. Written confirmation requested. Verification from creditor must be provided. Failure to provide documentation requires deletion. Misreporting negatively impacts creditworthiness. Prior reinvestigation attempts insufficient. Immediate corrective action required. Written confirmation mandatory. Failure to act constitutes legal violation. 

Account : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} Date Opened : XX/XX/XXXX Late Payment Reported falsely. FCRA 611 mandates verification. No proof. Prior disputes inadequate. Verification or deletion required. 607 ( b ), 609 violated. Written confirmation requested. Creditor documentation must be produced. Failure to verify requires deletion. Misreporting harms credit. Prior reinvestigation inadequate. Immediate corrective action required. Written confirmation mandatory. Failure to comply violates FCRA. 

Account : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} Date Opened : XX/XX/XXXX Late Payment FCRA 611 requires verification. Reported inaccurately. Prior disputes ineffective. Retention harms creditworthiness. Verification or deletion required. 607 ( b ), 609 violated. Written confirmation required. Full account history and creditor statements must be verified. Failure to correct constitutes violation. Immediate deletion or correction required. Written confirmation mandatory. Misreporting negatively affects my credit applications. Prior reinvestigation insufficient. 

Inquiry : XXXX XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ) prohibits reporting without permissible purpose. I did not authorize. Removal required. Prior disputes ignored. Written confirmation of deletion required. Unauthorized inquiry harms credit and violates federal law. Documentation of authorization must be produced or deletion required. Continued reporting constitutes a violation. Written confirmation of removal is mandatory. Failure to correct may result in legal action. 

Inquiry : XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ) violated. No authorization. Deletion required. Written confirmation requested. Harm to credit continues without correction. Bureau must comply with FCRA. Prior disputes ignored. Immediate corrective action required. Written confirmation mandatory. Failure to act constitutes legal violation. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ) violation. No permissible purpose. Removal required. Written confirmation needed. Unauthorized reporting harms creditworthiness. Bureau has statutory duty. Prior disputes failed. Immediate corrective action required. Written confirmation mandatory. Failure exposes bureaus to liability. 

Inquiry : XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry FCRA XXXX ( a ) ( XXXX ). No authorization. Removal required. Written confirmation needed. Unauthorized reporting misleads lenders. Prior reinvestigation insufficient. Corrective action required. Written confirmation mandatory. Failure violates federal law. 

Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Removal required. Written confirmation requested. Continued reporting violates federal law. Immediate correction required. Written confirmation mandatory. Prior disputes inadequate. 

Inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Removal required. Written confirmation requested. Unauthorized inquiry harms credit. Bureau must comply. Prior disputes failed. Immediate deletion required. Written confirmation mandatory. Failure violates FCRA. 

Inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Removal required. Written confirmation requested. Harmful reporting continues. Bureau must act. Prior disputes failed. Immediate corrective action required. Written confirmation mandatory. 

Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Deletion required. Written confirmation requested. Unauthorized reporting harms credit. Bureau must verify authorization or delete. Prior disputes insufficient. Immediate action required. Written confirmation mandatory. 

Inquiry : XXXX XXXX XXXX XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Removal required. Written confirmation requested. Harmful to credit. Bureau must act. Prior disputes failed. Immediate corrective action required. Written confirmation mandatory. 

Inquiry : XXXX XXXX  XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Deletion required. Written confirmation requested. Unauthorized reporting affects credit. Bureau must comply. Prior disputes insufficient. Immediate action required. Written confirmation mandatory. 

Inquiry : XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Removal required. Written confirmation requested. Harmful reporting continues. Bureau must act. Prior disputes failed. Immediate correction required. Written confirmation mandatory. 

Inquiry : XXXXXXXX XXXX XXXX  XX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Deletion required. Written confirmation requested. Unauthorized reporting harms credit. Bureau must comply. Prior disputes failed. Immediate deletion required. Written confirmation mandatory. 

Inquiry : XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Inquiry FCRA 604 ( a ) ( 3 ). No authorization. Removal required. Written confirmation requested. Unauthorized reporting negatively impacts credit. Bureau must act. Prior disputes failed. Immediate corrective action required. Written confirmation mandatory.

These issues collectively demonstrate failures in the credit reporting process and ongoing violations of the Fair Credit Reporting Act. I request that CFPB ensure my credit report reflects accurate and verified information for all listed accounts and addresses, with immediate deletion or correction of inaccurate, unauthorized, or unverifiable items. Enforcement of the FCRA and investigation of the reporting agencies procedures are essential to restore the accuracy and integrity of my credit profile. I am requesting CFPB intervention to compel the reporting agencies to fully comply with federal law, correct all errors, and provide written confirmation of the actions 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