Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16123141

Complaint Overview

Complaint ID: 16123141

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Texas

ZIP Code: 777XX

Date Received: 2025-09-20T12:00:00-05:00

Date Sent to Company: 2025-09-20T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am filing this complaint because multiple inaccurate, unverifiable, and unauthorized items are being reported on my credit file. These entries violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and they are causing significant damage to my credit reputation, denial of credit opportunities, and emotional distress. XXXX XXXX XXXX, TX XXXX Wrong Address This address is also completely inaccurate and never associated with me. Allowing such addresses to remain on my file is negligent and misleading. According to FCRA Section 609 ( a ), I have the right to know what information is being reported, and this clearly shows a violation of Section 611, which requires reinvestigation and removal of inaccurate data. XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is reported with a formatting error ( too many digits in ZIP code ) and is not associated with me. Such false information is highly damaging and misleading. By reporting wrong addresses, the credit bureaus are not ensuring accuracy as required by FCRA Section 602 and 607. This wrong reporting has created confusion and resulted in lenders questioning my identity. XXXX XXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX This account is being falsely reported as a charge-off with XXXX balance. A charge-off with XXXX balance is contradictory and misleading. If the balance is XXXX, then the account is either settled or closed, and reporting it as a charge-off is inaccurate. Under FCRA Section XXXX, I dispute this item and demand its deletion unless verified with complete account-level documentation. Continuing to report such false data is reckless and damaging. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00} Date Opened : XX/XX/XXXX Chargeoff This account is reported as a charge-off despite being relatively new and without proper validation. I dispute this entry under FCRA Section 609 and 611. The creditor and reporting agencies must provide complete documentation to prove this charge-off status. If no such proof exists, the account must be removed. Reporting premature or false charge-offs not only damages my credit but also violates my rights under the law. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$1200.00} Date Opened : XX/XX/XXXX Chargeoff This account is inaccurately reported as a charge-off. The balance is not properly validated, and the charge-off status is misleading. Under FCRA Section 607 ( b ), reporting agencies must ensure maximum possible accuracy. A charge-off on such a recent account without validation raises serious concerns. I dispute this item and demand full account-level documentation as per FCRA Section 609 ( a ) and 611. Without proof, this charge-off must be deleted immediately as it has caused me direct harm, including credit denials and higher loan interest rates. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$360.00} Date Opened : XX/XX/XXXX Collection This account is reported as a collection without providing me with proper validation. Under FDCPA Section 809, a debt collector must provide verification of the debt before reporting it to credit bureaus. No such verification has been provided. Reporting a collection without proof is a violation of my rights under FDCPA and FCRA Section 611. This false reporting has damaged my credit reputation and created financial obstacles. I demand immediate deletion unless verified with complete evidence. XXXX XXXX XXXXXXXX XXXX XXXX XXXX * Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX Chargeoff This account is reported as a charge-off, but I dispute its accuracy. The balance is incorrect and the charge-off status is misleading. Under FCRA Section 607 ( b ) and 609 ( a ), I have the right to accurate reporting and access to documentation. This account has already caused me to be denied credit opportunities. If the furnisher can not provide complete validation of this debt, it must be removed immediately. False charge-off reporting is materially harmful and unlawful. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Chargeoff This account is highly inaccurate because it shows a XXXX balance yet is still reported as a charge-off. A XXXX balance indicates the account is paid or closed, so continuing to list it as a charge-off is misleading. Under FCRA Section 611, this must be corrected or deleted. This contradiction damages my credit profile and is not in compliance with the requirement for maximum accuracy under Section 607 ( b ). XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$19000.00} Date Opened : XX/XX/XXXX Chargeoff This large balance account is reported as a charge-off without sufficient documentation. I dispute this entry because it has not been validated and the reporting is misleading. Under FCRA Section 609 and 611, I have the right to demand original account-level proof. Without such proof, reporting this as a charge-off is unlawful and materially harmful. The false status has already led to financial losses and credit denials. XXXX XXXX XXXXXXXX Balance Owed : {$630.00} Date Opened : XX/XX/XXXX Collection This account is reported as a collection, but no validation of debt has been provided to me. Under FDCPA Section 809 and FCRA Section 611, the furnisher and credit bureaus are obligated to validate before reporting. This collection entry is inaccurate, misleading, and damaging. Without proof of ownership and validation of the debt, this collection must be deleted immediately. Reporting unverifiable debts is a violation of both FCRA and FDCPA. XXXX XXXX XXXX XXXX Balance Owed : {$250.00} Date Opened : XX/XX/XXXX Collection This is reported as a collection but has not been validated. I never received proper debt verification. Under FCRA Section 609 ( a ) and FDCPA Section 809, I am entitled to validation before such reporting. Without documentation, this is an unlawful and misleading collection entry that must be removed. Continuing to report this harms my credit profile and reputation. XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$460.00} Date Opened : XX/XX/XXXX Collection This is a duplicate reporting of the same alleged debt already reported under another Portfolio account. Duplicate reporting is misleading and materially inaccurate under FCRA Section 607 ( b ). It inflates my debt and creates confusion for lenders. This must be deleted immediately. XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry appears to be duplicate and unauthorized. It violates FCRA permissible purpose requirements. Reporting unauthorized or duplicate inquiries is materially inaccurate and unlawful. This must be removed. XXXX XXXX XXXX XX/XX/XXXX Inquiry This is a duplicate inquiry tied to XXXX XXXX XXXX and it is unauthorized. Multiple inquiries without consent are damaging and unlawful. This must be removed as it violates FCRA accuracy standards. XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry This is another duplicate and unauthorized inquiry. Such duplicate reporting is misleading and unlawful under FCRA Section 607 ( b ). I demand removal immediately. XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was made without my authorization. It has harmed my credit score and reputation. Under FCRA Section 604, this is not a permissible inquiry. It must be deleted. These inaccurate and unauthorized entries demonstrate a pattern of non-compliance with federal law. I demand a full reinvestigation of each disputed account and inquiry under FCRA Section 611. If these can not be validated with original account-level documentation and proof of permissible purpose, they must be removed immediately. Failure to comply will be considered willful violation of FCRA Sections 602, 607, 609, and 611, as well as FDCPA Section 809, and I reserve the right to pursue further legal remedies.

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