Consumer complaint received 2025-09-13 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 formal complaint regarding multiple inaccurate, incomplete, and unverified items being reported on my consumer credit file. These accounts and addresses are causing significant harm to my creditworthiness and financial well-being. I am requesting the Bureaus assistance in compelling the furnishers and credit reporting agencies to investigate, correct, or delete the following information in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), where applicable. 

Wrong Addresses Reported The following addresses are not associated with me and are being inaccurately reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are erroneous and misleading, and their continued reporting creates confusion and the false appearance of identity discrepancies. Under the FCRA, credit bureaus are required to maintain accurate information, and these addresses must be removed. 

Accounts with Inaccurate or Unverified Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$2900.00} | Date Opened : XX/XX/XXXX | Reported Late Payment I dispute the accuracy and verification of the reported late payment. No proper validation has been provided. This violates FCRA 1681i, which requires reinvestigation when a consumer disputes. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00}, opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$9100.00}, opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$600.00}, opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00}, opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$6000.00}, opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$9900.00}, opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$6200.00}, opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$12000.00}, opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$20000.00}, opened XX/XX/XXXX Late Payment ) These student loan accounts are reporting multiple late payments without proper evidence of accuracy or lawful verification. According to FCRA 1681e ( b ), furnishers must ensure maximum possible accuracy. Without proper proof of delinquency, these negative reports must be removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$30000.00} | Date Opened : XX/XX/XXXX | Charge Off This account is reporting as a charge-off, yet no proper validation of the alleged debt or proof of lawful collection activity has been provided. Continued reporting without evidence violates both the FCRA and FDCPA. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$4400.00} | Date Opened : XX/XX/XXXX | Collection XXXX XXXX is reporting a collection account that is unverified. Debt collectors must provide complete validation under FDCPA 809. To date, no such validation has been provided, making this reporting unlawful. 

XXXX XXXX XXXX XXXX  ( XX/XX/XXXX XXXX ) An unauthorized inquiry is being reported without my consent. Under FCRA 604, a permissible purpose must exist for a credit inquiry. No such authorization was provided, making this inquiry unlawful.

Requested Relief I respectfully request that the CFPB : Require the credit reporting agencies to delete the wrong addresses. 

Compel the furnishers to provide verifiable proof of accuracy for the accounts listed, or remove the inaccurate entries. 

Ensure that unauthorized inquiries are removed. 

Hold the furnishers and reporting agencies accountable for failing to comply with FCRA and FDCPA requirements.

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