Consumer complaint received 2025-10-22 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 ( CFPB ) to formally dispute multiple inaccurate and unauthorized entries on my credit report that are negatively affecting my financial standing. These inaccuracies include a wrong address and multiple charge-off accounts. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Reporting inaccurate data is a violation of my rights, and I demand a thorough investigation, correction, or deletion of these erroneous entries. 

Address : XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX This address is not associated with me. FCRA 1681c requires that identifying information on my report must be accurate. Reporting incorrect addresses creates confusion, risks fraudulent activity, and misrepresents my identity. I demand immediate deletion of this address to ensure accurate reporting. 

Accounts : XXXX XXXX Opened XX/XX/XXXX Balance {$4100.00} Charge-off This account is reported as a charge-off without any verified documentation linking me to the account. FCRA 1681e ( b ) requires credit bureaus to ensure maximum possible accuracy of all reported data. Reporting unverifiable information violates this law and misleads potential creditors. The continued presence of this inaccurate charge-off harms my credit score and financial reputation. Immediate deletion of this account is demanded. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Balance {$5600.00} Charge-off This account is listed as a charge-off, but I have not received any validation, contract, or proof of responsibility for this debt. Under FCRA 1681i ( a ), when a consumer disputes an account, the bureau must conduct a reasonable investigation and delete unverifiable information. Because no verification exists, this account must be removed immediately. Reporting unverifiable debts also violates my rights under 1681s-2 ( a ). 

XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$970.00} Charge-off This account is inaccurately listed as a charge-off. FCRA 1681b requires furnishers to provide accurate and complete information. The absence of validation renders this account unverifiable, and maintaining it on my report is a violation of federal law. Immediate deletion is necessary to prevent ongoing harm. 

XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$0.00} Late Payment This account reflects late payments that are inaccurate and unverifiable. FCRA 1681s-2 ( a ) mandates that furnishers report only accurate information. Reporting unverifiable late payments harms my creditworthiness and misrepresents my payment history. I demand immediate correction or deletion of these entries. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance {$24000.00} Charge-off This account is listed as a charge-off without supporting documentation. FCRA 1681e ( b ) requires maximum possible accuracy. Reporting unverifiable data misleads potential lenders and damages my credit reputation. Immediate deletion is required. 

XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$21000.00} Charge-off This account is inaccurately reported as a charge-off and remains unverified. FCRA 1681i ( a ) mandates removal of unverifiable accounts after a dispute. Maintaining this inaccurate entry continues to harm my credit score and financial opportunities. Deletion is requested immediately. 

XXXXXXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$7300.00} Collection This account is reported with a future open date, which is impossible and factually incorrect. FCRA 1681c ( a ) ( 5 ) prohibits the inclusion of false or misleading information. Keeping this account on my report demonstrates a lack of reasonable investigation and violates federal law. Immediate removal is demanded. 

XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$4300.00} Collection This account is inaccurately reported as a collection. I have not received validation or proof linking me to this debt. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), reporting unverifiable or false information is prohibited. Maintaining this entry without validation continues to misrepresent my credit profile. Immediate deletion is required. 

XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$1700.00} Collection This account is reported inaccurately. FCRA 1681e ( b ) requires maximum accuracy. Reporting unverifiable debts misleads lenders and harms my credit reputation. I demand immediate deletion of this account. 

XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$570.00} Collection This duplicate entry conflicts with the other XXXX  XXXX account, creating inconsistency and inaccuracy. FCRA 1681e ( b ) prohibits duplicate or conflicting reporting. Immediate deletion is requested to ensure accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$1200.00} Collection This account is reported inaccurately and unverifiably. FCRA 1681i ( a ) requires reinvestigation of disputed accounts. Lack of verification makes this account a violation of federal law. Immediate deletion is demanded. 

XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$1000.00} Collection This account is inaccurately reported and unverifiable. FCRA 1681e ( b ) requires all data to be accurate. Maintaining this account without proper verification harms my credit profile. Immediate removal is requested. 

XXXXXXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$580.00} Collection This duplicate entry is inconsistent with the previous XXXX  XXXX account. Reporting conflicting information violates FCRA 1681e ( b ) and misleads lenders. Immediate deletion is required.

These inaccurate entries on my credit report are severely damaging and violate federal law. Under FCRA 1681i and 1681s-2, I am entitled to a full reinvestigation and correction of any inaccurate information. I request that the CFPB intervene to ensure all inaccurate items, including the false address and charge-offs, are corrected or removed promptly to restore the accuracy of my credit report.

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