Consumer complaint received 2025-11-11 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:
Dear CFPB Investigator, I am submitting this formal complaint against several creditors, debt collectors, and credit reporting agencies ( Experian, XXXX, and XXXX ) for reporting inaccurate, unverifiable, and misleading information on my credit report. Despite my good financial standing and compliance, the following items are being misreported, and they continue to damage my creditworthiness and financial stability. 
Under FCRA XXXX ( a ), the accuracy of credit reporting is fundamental to maintaining fairness and transparency. Under FCRA XXXX, I have the right to dispute and request reinvestigation of any inaccurate information. I am requesting CFPBs assistance to investigate and ensure full compliance from the parties involved. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address This address does not belong to me and has never been associated with my personal residence or employment. Reporting such an address is a violation of FCRA XXXX ( b ), which requires the credit reporting agency to maintain maximum possible accuracy in consumer files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address I have no connection to this address. Including it in my credit file creates confusion and may associate me with accounts or activities that are not mine. Please delete this address immediately to ensure compliance with FCRA XXXX ( a ) ( XXXX ) ( A ). 
XXXX BANK XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2600.00} | Late Payment I am disputing the late payment status reported for this account. I have never made any late payments to XXXX Bank XXXX XXXX. The reporting of a late payment is inaccurate and damaging to my credit profile. According to FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers of information are prohibited from reporting information they know or should know to be inaccurate. I request a thorough reinvestigation and correction of the payment history to reflect accurate information. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$5000.00} | Late Payment The reported late payments on this account are false. I have consistently maintained my account in good standing and never defaulted or delayed payments. I request validation and documentation supporting the alleged late payment. If verification can not be provided, this entry must be corrected immediately in compliance with FCRA XXXX ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$900.00} | Late Payment * * This account is inaccurately reported as late. I have never been delinquent on this account. The creditors reporting is damaging and misleading. Under FCRA XXXX ( a ) and XXXX ( b ), only verifiable and accurate information should appear in my report. Please correct the record to show a perfect payment history. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$730.00} | Charge Off I have no knowledge of this alleged charge-off account. This account was never opened or authorized by me. Under FCRA XXXX and FDCPA XXXX ( b ), I request full validation, including the original signed agreement and payment history. If the creditor can not verify this accounts legitimacy, it must be deleted immediately from my credit report. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX | Balance Owed : {$0.00} | Late Payment This account has been paid in full, yet it is inaccurately reporting a late payment. Reporting a delinquency on a paid account is misleading and in direct violation of FCRA XXXX ( a ) ( XXXX ) ( A ). I am requesting an immediate reinvestigation and correction. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | Balance Owed : {$3500.00} | Charge Off I have no record or recollection of this account. This appears to be a case of mistaken identity or inaccurate reporting. Under FCRA XXXX ( a ) ( XXXX ) ( A ), I am entitled to receive documentation verifying this accounts authenticity. Please provide validation or delete this unverifiable charge-off immediately. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX | Balance Owed : {$2300.00} | Collection This collection account is not recognized by me. I never received any notice of debt validation from this collector, which violates FDCPA XXXX ( a ). The account is therefore invalid and must be deleted immediately from my credit file under FCRA XXXX and XXXX ( b ). 
HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were conducted without my explicit consent. Unauthorized inquiries are a violation of FCRA XXXX ( a ) ( XXXX ) which allows access to a consumers credit file only with a permissible purpose. I request that all the above unauthorized inquiries be immediately removed from my credit report to restore my credit integrity. 
These inaccuracies are severely affecting my creditworthiness, employment opportunities, and overall financial stability. The credit bureaus and furnishers have failed to comply with FCRA XXXX ( a ) ( duty to reinvestigate ), XXXX ( b ) ( duty of furnishers to investigate ), and FDCPA XXXX ( false or misleading representation ). 
I am respectfully requesting the CFPB to conduct a full investigation into these violations and to compel all involved parties creditors, collectors, and credit bureaus to correct, delete, or verify the disputed information immediately. 
Please provide me with a written confirmation of your findings and the corrective actions taken by the involved entities.

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