Consumer complaint received 2025-09-17 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 under my rights granted by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) regarding the following account that is being reported inaccurately, without validation, and in violation of federal law. 
Wrong Address Reporting ( FCRA Violations ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Same issue as above. I have never resided here. This wrong address is a violation of FCRA XXXX because obsolete or incorrect identifying information must be removed to ensure accuracy. 
Account Disputes ( Unverified / Inaccurate / Fraudulent ) : XXXX XXXX XXXX High Balance : {$280000.00}, Date Opened : XX/XX/XXXX Charge Off This account is completely unverified and reported inaccurately. I never signed or agreed to this type of account with this lender. A balance of {$280000.00} is outrageous and damaging to my credit profile. Under FCRA 1681i, the furnisher must prove my liability with original signed contracts, full payment history, and validation of debt. Since this was never provided, continuing to report this is reckless, negligent, and unlawful. This account is also misleading lenders and has directly caused me to be denied for legitimate credit opportunities. 
XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$590.00}, Date Opened : XX/XX/XXXX Charge Off This account is being reported as a charge off despite serious inconsistencies. I have repeatedly requested validation and documentation, yet nothing has been provided. Under FDCPA 809 ( 15 U.S.C. 1692g ), debt collectors and furnishers are legally obligated to validate debts before reporting or continuing collection activity. Since no such proof has been given, this reporting must be deleted immediately. 
XXXX XXXX High Balance : {$600.00}, Date Opened : XX/XX/XXXX Charge Off This is another account that is inaccurately reported. I never entered into any agreement with WFC for this account. There are clear signs of identity theft and data mismatch. Reporting this is a direct violation of FCRA 1681s-2 ( a ), which prohibits furnishing inaccurate information. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$600.00}, Date Opened : XX/XX/XXXX Charge Off This account does not belong to me and was opened fraudulently. I have no knowledge of this account and never authorized it. Failure to remove this account is reckless disregard for accuracy under FCRA 1681e ( b ). 
Possible Financial XXXXXXXX XXXX XXXX  High Balance : {$600.00}, Date Opened : XX/XX/XXXX Charge Off This reporting is inaccurate and unverifiable. The balance, dates, and status do not match my records. Without proper validation, this account must be removed under FCRA 1681i ( a ) ( 5 ). 
XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$18000.00}, Date Opened : XX/XX/XXXX Charge Off This account is grossly inaccurate and highly damaging to my credit file. A balance of {$18000.00} reported as charged off is not only misleading but also unverified. I demand strict proof of my liability under FDCPA validation requirements. Without such proof, this account must be deleted immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$300.00}, Date Opened : XX/XX/XXXX Late Payment This account is being inaccurately reported with late payments. I have no record of ever missing a payment on this account, nor was I ever notified properly. This is damaging my payment history, which makes up 35 % of my credit score. Under FCRA 1681i, disputed information must be verified or deleted. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$1900.00}, Date Opened : XX/XX/XXXX Charge Off * * This account is reported as a charge off without any proper validation of debt. I never received original signed agreements, payment history, or account documentation. Under FDCPA 809 and FCRA 1681i, furnishers must provide proof of liability. Since no verification has been provided, reporting this item violates federal law and must be deleted immediately. 
XXXX XXXX XXXX Balance : {$19000.00}, Date Opened : XX/XX/XXXX Late Payment * * This student loan account is being reported with late payments that are inaccurate and damaging. I dispute the accuracy of the late payment history because I was not properly notified and there are inconsistencies in the reporting timeline. Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting inaccurate information. Since XXXX has failed to verify the accuracy of these entries, these late payments must be corrected or removed. 
XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$1000.00}, Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXXXXXX XXXX is a known debt buyer that frequently reports unverifiable and inaccurate accounts. I have never received validation of this alleged debt. Under FDCPA 809 and FCRA XXXX, they must provide original signed agreements and proof of ownership of the debt. Failure to validate while continuing to report is illegal. This account must be deleted. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$2300.00}, Date Opened : XX/XX/XXXX Collection * This account is inaccurate and unverifiable. I have no record of entering into an agreement with XXXX XXXX XXXX. Under FDCPA 809 and FCRA 1681i, they must validate with original signed documentation. Since no such validation has been provided, this account must be removed. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$850.00}, Date Opened : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX is reporting an account that I dispute as fraudulent and unverified. No contract or original account-level documentation has ever been provided. Reporting this account without validation is a violation of FCRA 1681e ( b ) and FDCPA 807 ( misrepresentation of debt ). 
XXXX XXXX XXXX  XXXX XXXX : {$810.00}, Date Opened : XX/XX/XXXX XXXX * * This account is being reported inaccurately and is unverifiable. I never authorized or opened this debt. Continuing to report without proof of liability is a violation of FCRA XXXX ( a ) and FDCPA XXXX. 
XXXX XXXXXXXX XXXX XXXX  High Balance : {$250.00}, Date Opened : XX/XX/XXXX Collection * * XXXX XXXX XXXX XXXX  High Balance : {$1000.00}, Date Opened : XX/XX/XXXX Collection * * XXXX XXXX  is reporting two collection accounts that are both inaccurate and unverifiable. I have no knowledge of these debts, and no signed agreements have ever been provided. Reporting duplicate or unverifiable debts is a violation of FCRA 1681c and FDCPA 807. Both of these accounts must be deleted immediately. 
XXXX XXXX XXXXXXXX High Balance : {$1400.00}, Date Opened : XX/XX/XXXX Collection * * This collection account is inaccurate and has never been validated. I dispute any liability for this debt. Under FCRA 1681i, disputed items must be verified or deleted. Since no proof has been provided, this account must be deleted.

Harm & Damages : This inaccurate account is severely damaging my creditworthiness, lowering my credit score, and causing me to be denied for legitimate credit opportunities. I am suffering financial hardship, higher interest rates, and emotional stress as a direct result of this unlawful reporting. 
Relief Requested : 1. Immediate deletion of the account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  from all credit reporting agencies. 
2. Written confirmation that this account will not be reinserted without full validation, per FCRA 1681i ( a ) ( 5 ) ( B ).

3. Compensation for damages caused by negligent and willful violations of the FCRA and FDCPA.

Conclusion : The continued reporting of this account without validation violates my consumer rights under federal law. I demand immediate corrective action and enforcement of my 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