Consumer complaint received 2025-08-05 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:
XXXX  Whom It May ConcernXXXX  am submitting this formal complaint to the Consumer Financial Protection Bureau under the rights granted to me by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). My credit report currently contains multiple inaccuracies, unverifiable debts, and unauthorized inquiries that are severely affecting my financial life and peace of mind. Despite repeated disputes, these errors remain unresolved, and I am now escalating this matter for your urgent attention.XXXX Reported as XXXX XXXX XXXX XXXX XXXX XXXX  This address is incorrectly listed under my profile. I have never resided or conducted any financial activity connected with this location. This erroneous information compromises the accuracy of my credit profile and may mislead lenders regarding my residency stability and creditworthiness.XXXX Aspect: Under the Fair Credit Reporting Act (FCRA), I have the right to dispute any information that is incomplete or inaccurate. Reporting incorrect addresses is a violation of Section 611, which requires credit bureaus to ensure maximum possible accuracy.XXXX  My credit report reflects this as a current or previous address, which has caused confusion with lenders and potential denial of credit. I request immediate verification and removal of this incorrect address to prevent further harm to my credit identityXXXX XXXX XXXX XXXX XXXX XXXX XXXX Address is reported incorrectly with a wrong ZIP code and lacks any connection with my personal or financial history.XXXX Aspect: Under the Fair Debt Collection Practices Act (FDCPA) and FCRA, reporting false or inaccurate information is unlawful and can be considered negligent or willful misreportingXXXX This incorrect information has caused significant confusion across multiple credit inquiries, raising red flags that do not pertain to me. Removing this erroneous data is essential to restore accuracy and fairness.XXXX Issues and Legal XXXX XXXX XXXX XXXX XXXX  Date Opened: XXXX Account is reported as Charge Off incorrectly; I have made arrangements with the creditor which are not reflectedXXXX  Aspect: Charge-offs must be validated and communicated according to FDCPA. Failure to account for payments or arrangements constitutes misreportingXXXX Creditor confirmed payment plans and no default. The classification as charge off is misleading and harmful, warranting immediate correctionXXXX XXXX XXXX XXXX Date Opened: XXXX: Charge off reported inaccurately; dispute has been submittedXXXX  Aspect: Credit reporting agencies must remove unverifiable information following investigation as per FCRA Section 611XXXX Loan payments were current up to last account update dated; this charge off listing is erroneous and needs immediate removalXXXX XXXX XXXX XXXX  Date Opened: XXXX Late payments reported without documentationXXXX  Aspect: FCRA guarantees removal of inaccurate negative entries and requires complete proof of reported delinquenciesXXXX  Payment history does not align with this data; hence correction and expungement are necessary.XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened: XXXX Charge off notation that contradicts payment recordsXXXX  Aspect: FCRA mandates validation of charge off procedures upon dispute, ensuring fair treatmentXXXX Payments duly made; no defaults occurred. I request verification and removal of this wrongful charge off.XXXX XXXX XXXX XXXX Date Opened: XXXX Charge off listed inaccurately; account status disputedXXXX Aspect: Misreporting impacts consumer's creditworthiness negatively and must be corrected as per FCRA dispute provisionsXXXX  Account was current to last communication. Erroneous charge off status unfairly affects credit profileXXXX XXXX XXXX XXXX XXXX Date Opened: XXXX Collection report is inaccurate or unverifiableXXXX Aspect: Reporting agencies must validate collections upon dispute to ensure fair reportingXXXX Dispute filed previously; no response received. Request full investigation and correctionXXXX XXXX XXXX XXXX XXXX XXXX XXXX Premature collection or reporting errorXXXX  Aspect: Premature or inaccurate reporting undermines consumer rights under FCRA.XXXX Account status does not justify collection; requires reevaluation and correction.XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX  Collection account balance disputed and unverifiedXXXX Aspect: Validation of debt required before collection reporting under FDCPA.XXXX No verification provided. Request removal pending investigation.XXXX Inquiries and ConcernsXXXX XXXX  Unauthorized inquiry.\nLegal Aspect: Only authorized inquiries are permissible; unauthorized ones violate FCRA.\nStory: I did not authorize this inquiry. Request removalXXXX XXXX Unauthorized inquiryXXXX Aspect: Removal demanded under FCRAXXXX Unauthorized, remove immediately.XXXX XXXX XXXX XXXX XXXX  Unauthorized access.\nLegal Aspect: Removal necessary if no consent providedXXXX  No authorization givenXXXX XXXX errors have caused me repeated emotional distress, financial loss, and embarrassment. Despite contacting the furnishers and credit bureaus, no resolution has occurred. I respectfully request XXXX  intervention toXXXX investigate all inaccurate accounts, addresses, and inquiriesXXXX the furnishers to provide documented proof or delete the items.XXXX all entities comply with the FCRA and FDCPAXXXX a written resolution within the legal timeframeXXXXThank you for your time and support in helping protect my consumer rights."

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