Consumer complaint received 2025-09-18 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 filing this formal complaint because the credit reporting agencies and furnishers have continuously reported inaccurate, unverifiable, and harmful information on my consumer credit reports. These violations are in direct conflict with my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. I am demanding immediate investigation, deletion of inaccurate items, and corrective action. Below, XXXX detail each account and inquiry that is being disputed and causing damage to my creditworthiness, reputation, and financial opportunities. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is completely inaccurate. I have never lived there and have no relation to the residents or property owners. Keeping this false data makes it possible for lenders or debt collectors to mistakenly associate me with unrelated negative accounts. Such inaccuracies harm my creditworthiness and my ability to secure fair financial opportunities. This must be deleted under the FCRA and FDCPA provisions immediately. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address I dispute this address as I have never lived or conducted business here. Reporting this false information damages me because it could potentially link me to fraudulent activity in areas where I have no presence. It creates confusion, impacts my financial trustworthiness, and is an invasion of my personal and financial rights. This is a violation of FCRA 609 ( a ) ( 1 ) since the reporting lacks proof of accuracy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$330.00} Date Opened XX/XX/XXXX Chargeoff * * This account is inaccurately reported as a charge-off. I dispute the validity of this account as reported. No original signed contract or billing statements have been provided to me to prove ownership, balance, or payment history. The reporting of a charge-off without verification is highly damaging to my credit score and financial reputation. It falsely paints me as a high-risk borrower. Under FCRA 15 U.S.C. 1681s-2, furnishers of information are strictly prohibited from reporting false or unverifiable information. This item must be investigated and deleted if not fully validated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$310.00} Date Opened XX/XX/XXXX XXXX * * This charge-off is inaccurate and unverifiable. I have never received proof of this account from the creditor, and without full validation, it should not be reported. Negative reporting without sufficient evidence is not only unfair but also unlawful. This item lowers my credit score, increases the cost of borrowing, and impacts my financial opportunities in employment, housing, and insurance. Under FCRA 611 [ 15 U.S.C. 1681i ], this information must be reinvestigated, and if unverifiable, permanently removed. 
XXXX XXXX XXXX * High Balance {$590.00} Date Opened XX/XX/XXXX Chargeoff XXXX XXXX  This account is reported as a charge-off, but the reporting is misleading, damaging, and inaccurate. The creditor must supply complete documentation such as original applications, billing statements, and payment records to prove its accuracy. Without proper proof, reporting this account is a violation of FDCPA 15 U.S.C. 1692e, which prohibits false representation of debts. The existence of this negative item unfairly reduces my creditworthiness and can cause me long-term harm in financial dealings. 
XXXX XXXX XXXX High Balance {$2600.00} Date Opened XX/XX/XXXX Late Payment * * This account is showing late payments that I strongly dispute. The late payment reporting is inaccurate and harmful, and without complete and verifiable payment records, these lates can not legally be reported. Negative marks like this damage my credit score and prevent me from accessing fair financial opportunities. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate. If this item can not be fully validated with proper records, it must be immediately corrected or deleted. 
XXXX XXXX XXXX XXXXXXXX High Balance {$530.00} Date Opened XX/XX/XXXX Late Payment * * This account shows late payments that I strongly dispute. Without full payment history documentation and original records, this reporting is incomplete and unreliable. Late payments drastically reduce my credit score and affect my ability to obtain fair lending opportunities. Reporting late payments without proper proof is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. If you can not confirm this with valid records, these lates must be corrected or deleted immediately. 
XXXX XXXX * High Balance {$300.00} Date Opened XX/XX/XXXX Chargeoff * * This charge-off is inaccurate, unverifiable, and misleading. I have not been provided any proof of ownership or records validating this account. Keeping unverifiable charge-offs on my credit file unfairly lowers my score and causes financial harm, including credit denials and increased costs for borrowing. Under FCRA 611 [ 15 U.S.C. 1681i ], this account must be reinvestigated, and if the furnisher can not validate, the account must be removed immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance {$500.00} Date Opened XX/XX/XXXX Chargeoff XXXX XXXX This account is reported as a charge-off without validation. I dispute its accuracy and demand full investigation. Without original application, signed agreements, and complete payment history, this reporting is unlawful. Such false reporting negatively impacts my creditworthiness and violates FDCPA 807 [ 15 U.S.C. 1692e ] which prohibits false representations of debts. This item must be deleted if not proven with verifiable documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$24000.00} Date Opened XX/XX/XXXX Chargeoff XXXX XXXX  This account is inaccurately listed as a charge-off. I dispute the accuracy of the reporting as no complete documentation has been provided. Charge-offs of this nature have extreme negative impacts on my credit, affecting my housing, employment, and lending opportunities. Reporting this account without proper validation is misleading and constitutes willful noncompliance under FCRA 623 ( a ) ( 1 ) and 1681n. Unless original documents and records are provided, this account must be deleted immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX High Balance {$35000.00} Date Opened XX/XX/XXXX Chargeoff * * This account is reported as a charge-off, but the reporting is incomplete, misleading, and harmful. I dispute its validity as no verifiable proof has been provided. Without complete evidence, continuing to report this item is a violation of FCRA 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. This false derogatory mark has significant damaging effects on my financial life and must be removed if not fully validated. 
XXXX XXXX XXXX High Balance {$300.00} Date Opened XX/XX/XXXX Chargeoff * * This account is inaccurately reported as a charge-off. I dispute this reporting because I have never been provided validation of this debt, nor proof of ownership or accuracy. Utility accounts reported as charge-offs without proper records create false derogatory marks on my file. This violates FCRA 611 and FDCPA 807. Unless complete evidence is provided, this account must be deleted immediately. 
XXXX XXXX XXXX XXXXXXXX High Balance {$870.00} Date Opened XX/XX/XXXX Collection * I dispute this collection account in full. No validation of this debt has been provided. I have not received any original signed contract, proof of ownership, or account statements to prove the legitimacy of this debt. Reporting this without verification is a violation of FCRA 609 ( a ) ( 1 ) and FDCPA 807. This account is damaging my credit score and must be removed unless full proof is provided. 
XXXX XXXX XXXX XXXX {$4300.00} Date Opened XX/XX/XXXX XXXX * This collection is reported inaccurately and without proof. I dispute its validity. Without proper documentation including original creditor records and complete account details, you can not legally continue to report it. Reporting unverifiable collections is unlawful under FCRA 611 [ 15 U.S.C. 1681i ] and FDCPA 1692e. This account must be deleted if not fully validated. 
XXXX XXXX High Balance {$3600.00} Date Opened XX/XX/XXXX Collection * This account is listed as a collection, but I have no knowledge of this debt and no proof has been supplied. The reporting is harmful, inaccurate, and misleading. If the furnisher can not provide documentation proving this account belongs to me, it must be removed. Continuing to report unverifiable debts is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807. 
XXXX XXXXXXXX XXXX High Balance {$1700.00} Date Opened XX/XX/XXXX Collection * * This is being reported as a collection, but I strongly dispute it. I have never received proof of this debt, no validation letters, and no original contract. Without full verification, this account can not legally remain on my report. Reporting it damages my financial credibility, causes denial of credit, and violates FCRA 15 U.S.C. 1681e ( b ) which requires maximum accuracy. If you can not prove this debt, it must be permanently deleted. 
XXXX XXXX High Balance {$1300.00} Date Opened XX/XX/XXXX Collection XXXX XXXX  This account is inaccurate and unverifiable. I dispute its validity because I have never received any validation or documentation proving that this account belongs to me. Without full verification, reporting this account is unlawful and harmful. Under FCRA 609 ( a ) ( 1 ), you must provide complete records if you continue to report it. Otherwise, it must be deleted immediately to avoid continued violation of my rights under federal law. 
XXXX XXXX High Balance {$1700.00} Date Opened XX/XX/XXXX Collection XXXX XXXX I dispute this collection account in its entirety. No original contract, proof of debt, or proper validation has ever been provided to me. Without verification, reporting this account is inaccurate and damaging. It creates a false negative impression of my creditworthiness and violates FCRA 609 ( a ) ( 1 ) and FDCPA 807. Unless you provide full documentation proving its validity, this item must be deleted. 
XXXX XXXX XXXX XXXX XXXX High Balance {$66.00} Date Opened XX/XX/XXXX Collection * * This collection is inaccurate and unverifiable. I dispute this account because no validation has been provided. The small balance being reported is misleading and damaging, as it creates a false derogatory mark without any supporting evidence. Under FCRA 611 [ 15 U.S.C. 1681i ] and FDCPA 1692e, you can not legally report this without proof. This item must be deleted immediately if validation can not be provided. 
XXXX XX/XX/XXXX Inquiry Two separate inquiries are reported for the same creditor on the same date. This is duplicative, misleading, and harmful. Reporting duplicate inquiries unfairly lowers my credit score and gives the false impression of excessive credit-seeking behavior. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], you are required to maintain accuracy and fairness. At least one of these inquiries must be removed, and both must be investigated for validity. 
XXXX XXXX XX/XX/XXXX Inquiry I dispute this inquiry because I never granted permission for this creditor to access my credit file. Without proper authorization, this reporting is unlawful under FCRA 604 ( a ). This inquiry negatively impacts my score and must be removed unless verifiable proof of authorization is provided. 
XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me. Unauthorized or unverified credit pulls violate FCRA 604 and amount to an invasion of my privacy. Hard inquiries damage my credit profile and create a false image of high credit activity. If you can not provide proof of my explicit authorization, this inquiry must be deleted immediately.

Conclusion and Relief Requested The above items are causing me substantial injury and emotional distress. By reporting unverifiable collections and allowing unauthorized inquiries, the credit reporting agencies and furnishers are in clear violation of federal law. I demand : 1. Immediate deletion of all disputed collection accounts and inquiries listed above.

2. Written verification of compliance with FCRA and FDCPA.

3. Corrective measures to ensure such errors are not repeated.

4. Compensation for damages caused by these unlawful reporting practices. 
I trust the CFPB will take this complaint seriously, enforce compliance, and hold the responsible parties accountable.

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