Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
To Whom It May Concern I am submitting this complaint to formally dispute multiple inaccurate charge-off entries and unauthorized or erroneous credit inquiries on my credit report. These inaccuracies have caused extreme financial, emotional, and reputational harm, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including : 1681e ( b ) obligation of credit reporting agencies to ensure maximum possible accuracy ; 1681i ( a ) obligation to investigate and correct disputed items promptly ; 1681s-2 ( a ) obligation of furnishers to provide accurate information ; 1681b restrictions on credit reporting and unauthorized inquiries ; 1681c ( a ) rules regarding reporting outdated or inaccurate adverse information. 
The repeated false reporting of charge-offs and unauthorized inquiries has resulted in denied loans, higher interest rates, delayed financial plans, extreme emotional stress, reputational harm, and wasted time. I demand immediate investigation, correction, or removal of all inaccurate information. 
Wrong Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX This address has never been associated with me. Its presence on my credit report has caused multiple lenders to flag my file for potential fraud, delaying or denying credit applications. I have experienced direct financial consequences, including higher interest rates on loans that were approved and repeated requests from lenders for proof of residence. The inclusion of this address violates FCRA 1681i ( a ), which mandates accurate reporting of personal identifying information. The stress and time spent correcting this misinformation have been significant. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This property has never been my residence. Reporting it falsely implies I may have obligations or liabilities there. This has directly resulted in repeated denials of credit applications, additional verification requests, and unnecessary emotional distress. The repeated false reporting is a clear breach of FCRA 1681e ( b ), which requires maximum possible accuracy. The misreporting has caused reputational harm, identity confusion, and financial setbacks. 
Account Discrepancies : XXXX XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Late Payment * * The reported late payment on this account is false. I have consistently paid all amounts due on time. This false information has resulted in multiple loan application denials, forced me to pay higher interest rates, and delayed urgent financial plans. I have spent extensive time and resources disputing this incorrect record. FCRA 1681s-2 ( a ) obligates furnishers to provide accurate information, which has clearly been violated. The emotional stress caused by this inaccurate reporting has been considerable, affecting both personal and professional opportunities. 
XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off * * This account has been incorrectly reported as a charge-off despite timely payments. This false reporting has prevented me from securing mortgage approval, auto loans, and other critical financial services. I have lost opportunities for favorable loan terms, lower interest rates, and financial planning security. Under FCRA 1681e ( b ), credit reporting agencies must ensure accuracy. The ongoing misreporting demonstrates negligence and has caused significant financial harm, emotional distress, and reputational damage with lenders. 
XXXX XXXX XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$10000.00} | Issue : Charge Off * * The charge-off is entirely inaccurate. This false reporting has caused denial of competitive auto and personal loans, inflated insurance premiums, and unnecessary financial stress. Lenders have questioned my reliability due to this misinformation. I demand immediate investigation and removal under FCRA 1681i ( a ) ( 1 ) ( A ). The financial loss and stress resulting from this inaccurate reporting are extensive and ongoing. 
XXXX XXXX XXXXXXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off * * This account is falsely reported as charged-off. The impact has included multiple credit application denials, higher interest rates on approved loans, and additional verification requirements from lenders. Reporting inaccurate charge-offs violates FCRA 1681s-2 ( a ). The repeated errors have caused prolonged stress, wasted time, and financial setbacks, forcing me to expend resources to correct the record. 
XXXX XXXX XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off * * This account has been falsely labeled as a charge-off. The negative effect on my credit report has prevented me from accessing affordable loans, increased borrowing costs, and caused prolonged financial and emotional stress. The repeated reporting of this incorrect record violates FCRA 1681i ( a ) ( 5 ). Immediate correction or removal is essential to prevent further damage. 
XXXX XXXX XXXXXXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off * * This account has been falsely reported as charged-off despite my consistent on-time payments and responsible account management. Due to this misreporting, I was denied a personal loan of {$15000.00} needed for urgent medical expenses, forced to take a higher-interest alternative loan at 22 % APR, and incurred additional financial penalties. The repeated reporting caused emotional distress, sleepless nights, and continuous stress as I attempted to dispute the error with lenders and the credit bureau. This violates FCRA 1681i ( a ) and 1681s-2 ( a ), which mandate accurate reporting and prompt correction. 
XXXX XXXX XXXXXXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off This account has been falsely reported as charged-off. Due to this error, I was denied a personal loan of {$10000.00} needed for urgent home repairs, forcing me to take a high-interest alternative loan at 22 % APR. I incurred over {$1500.00} in unnecessary interest payments. The repeated reporting caused extreme emotional distress, sleepless nights, panic over my financial situation, and hours of wasted time disputing with lenders and the credit bureau. FCRA 1681i ( a ) and 1681s-2 ( a ) require prompt investigation and accurate reporting, which has not been done. 
XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off This account has been inaccurately reported. Because of this, I lost a favorable auto purchase opportunity, was forced to pay higher financing rates, and experienced repeated lender inquiries questioning my reliability. I spent over 10 hours gathering statements and documents, causing stress, XXXX, and frustration. This is a direct violation of FCRA 1681e ( b ) and 1681s-2 ( a ). 
XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off This account has been misreported. I was denied XXXX personal loans totaling {$20000.00} and had to borrow from high-interest sources. The misinformation caused months of financial uncertainty, reputational damage, and emotional stress, including sleepless nights worrying about my financial credibility. FCRA 1681i ( a ) requires prompt correction. 
XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off This false charge-off caused denial of a {$12000.00} auto loan, forced me to submit excessive documentation repeatedly, and required me to borrow at 18 % APR instead of 7 %, incurring unnecessary financial loss. Emotional stress, XXXX, and reputational damage with lenders have been substantial. 
XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off The misreporting of this account prevented me from accessing competitive loan offers, increased borrowing costs by thousands, and caused extreme emotional distress, including XXXX  attacks and prolonged worry. The repeated process of disputing this account wasted countless hours. FCRA 1681i ( a ) mandates a prompt investigation, which has not occurred. 
XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off This account has been falsely reported. I missed urgent financing opportunities, lost favorable interest rates on multiple loans, and suffered over {$5000.00} in unnecessary costs. The emotional toll has included stress, XXXX, and disrupted sleep. This is a direct violation of FCRA 1681s-2 ( a ) and 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off This account has been misreported as charged-off. The false reporting denied me a personal loan for essential expenses, forced me to borrow at high-interest rates, and resulted in emotional and mental stress, including daily worry and frustration. I had to spend over XXXX hours compiling documentation and communicating with lenders, which caused significant time and energy loss. 
XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off * * This account has been falsely reported as charged-off despite timely payments. Due to this error, I was denied a {$10000.00} personal loan for urgent home repairs on XX/XX/XXXX, forcing me to accept a high-interest alternative loan at 22 % APR, resulting in {$1600.00} in unnecessary interest payments. The repeated misreporting caused weeks of extreme stress, XXXX, sleepless nights, and multiple hours of wasted time disputing with lenders and the credit bureau, violating FCRA 1681i ( a ) and 1681s-2 ( a ). 
XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off * * This account was inaccurately reported as a charge-off. Consequently, I was denied a {$15000.00} auto loan on XX/XX/XXXX, forced to pay a higher interest rate of 18 % instead of 7 %, and lost access to a preferred vehicle purchase, causing both financial and reputational harm with lenders. Emotional distress included persistent XXXX, panic, and frustration. This violates FCRA 1681e ( b ) and 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Balance : {$0.00} | Issue : Charge Off * * The false reporting of this account caused denial of XXXX personal loans totaling {$25000.00} on XX/XX/XXXX and XX/XX/XXXX, increased borrowing costs, and months of financial uncertainty. I spent over XXXX hours compiling statements and communicating with lenders, resulting in severe emotional distress, XXXX, and reputational damage. FCRA 1681s-2 ( a ) requires accurate reporting and prompt correction. 
Unauthorized or Erroneous Credit Inquiries : The following inquiries appear on my credit report without consent or proper authorization, violating FCRA 1681b and 1681i ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries lowered my credit score, caused denial of multiple loans totaling over {$50000.00}, forced me to accept higher interest rates, and required numerous hours of dispute and documentation gathering. Emotional consequences included XXXX, stress, sleepless nights, panic attacks, and frustration over my financial credibility. 
Cumulative Impact : The combined inaccuracies of these accounts and inquiries have caused : Denied loans totaling over {$75000.00} Increased borrowing costs exceeding {$10000.00} due to high-interest alternatives Missed opportunities for urgent home repairs, auto purchases, and personal loans Severe emotional distress, XXXX, panic attacks, and reputational harm with lenders Over XXXX hours wasted disputing inaccurate reporting Repeated verification and documentation requirements, consuming personal and professional time These violations constitute direct breaches of FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( a ), 1681b, and 1681c ( a ). I have attached all supporting documentation and demand that each disputed item and inquiry be thoroughly investigated and corrected immediately. 
Please confirm receipt of this complaint and provide a written response detailing the actions taken to rectify these issues.

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