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:
b'I am writing to formally dispute multiple inaccuracies and unlawful reporting practices on my credit report. These inaccuracies are causing significant harm to my creditworthiness and financial standing. I am requesting an immediate investigation and correction of all errors as required under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., including but not limited to Sections 1681i and 1681e(b).\nThe following items are being reported inaccurately on my credit report:\XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  Wrong Address\nThis address has never been associated with me. Its presence violates FCRA Section 611(a) requiring accuracy in reporting. The false listing led to repeated denials for credit cards and personal loans. Lenders questioned my residency, delaying my mortgage application for weeks. I have repeatedly contacted creditors to clarify this error, wasting countless hours and experiencing immense stress. The XXXX  caused by lenders questioning my identity has affected my sleep, work performance, and personal lifeXXXX XXXX  High Credit: XXXX Date Opened: XXXX  Late Payment\nThis account has been reported inaccurately. I have never missed payments, as documented in my bank statements. FCRA Section 623(a) mandates accurate reporting by furnishers. Misreporting a high-balance account has made lenders view me as high-risk. My attempts to clarify this with the creditor were ignored or dismissed. The stress of being labeled delinquent on a significant account has affected my daily life, creating fear and uncertainty in financial decisions and preventing me from securing loans for family emergencies.\XXXX XXXX XXXX  High Credit: XXXX.00 Date Opened: XXXX  Late Payment\nThis account has been falsely reported as late. The inaccurate reporting violates FCRA Section 623(a)(1). I have faced loan denials and delays in securing housing because of this erroneous reporting. I spent hours gathering payment confirmations and contacting both the creditor and credit bureaus. The mental toll of dealing with false reporting has caused ongoing XXXX  and stress, affecting my overall quality of life.XXXX XXXX  High Credit: XXXX Date Opened: XXXX  Chargeoff\nThis chargeoff is inaccurate and unverified. FCRA Section 611(a)(1)(A) requires verification of disputed accounts. The false chargeoff has severely damaged my credit profile, making it nearly impossible to secure loans or rent an apartment. I have faced rejection after rejection, causing embarrassment and financial instability. I have documented evidence that disputes this claim, yet it continues to be reported inaccurately, causing significant emotional distress and a constant sense of financial insecurity.XXXX XXXX XXXX XXXX  High Credit: XXXX  Date Opened: XXXX   Collection\nI dispute this collection. FDCPA Section 809(b) requires validation before reporting. This erroneous collection has resulted in multiple harassing phone calls and letters from debt collectors. The continuous stress has affected my work performance, emotional well-being, and personal life. I live in constant fear that this debt could lead to unjust legal action. The impact has been humiliating and financially damagingXXXX XXXX  High Credit: XXXX  Date Opened: XXXX   Chargeoff\nThis chargeoff is inaccurate and unverified. FCRA Section 611(a)(1)(A) requires validation of disputed accounts. I have repeatedly contacted the creditor, providing bank statements and payment confirmations showing my account was never delinquent. Despite my efforts, this false entry remains, damaging my credit score and preventing me from obtaining personal loans and housing. Each rejection has caused stress, sleepless nights, and fear about my financial future. The ongoing misreporting has disrupted my ability to plan for my familys needs and maintain financial stability.XXXX XXXX XXXX XXXX XXXX  Date Opened: XXXX   Collection\nI dispute this collection. FDCPA Section 809(b) requires validation, which was never provided. I received multiple collection letters and phone calls for a debt I do not owe, causing embarrassment and stress. These false reports have led to loan denials, higher interest rates, and repeated questioning from lenders about my financial responsibility. I have attempted to resolve this with the creditor and the reporting agency, yet the entry persists, creating ongoing emotional distress and financial obstacles.XXXX XXXX   Inquiry\nThis inquiry is also inaccurate and unauthorized. The presence of multiple erroneous inquiries makes my credit appear risky to lenders. I have had to provide proof to multiple creditors that these inquiries were not authorized by me, which has caused ongoing stress, frustration, and wasted time.XXXX XXXX  Inquiry\nThis hard inquiry was not authorized by me. FCRA Section 604 violations have caused a negative impact on my credit score. I have faced repeated credit denials, higher insurance premiums, and continuous stress due to the presence of this unauthorized inquiry. I have submitted evidence and disputes, yet it persists, creating XXXX  and difficulty in managing my finances.\nI demand immediate action to correct all inaccurate information, remove any unverifiable accounts, and ensure my credit report reflects only accurate, lawful, and verified information. Failure to investigate and correct these inaccuracies constitutes a willful violation of the FCRA and entitles me to pursue all legal remedies, including reporting to the Federal Trade Commission and initiating legal action if necessary.\nI request written confirmation of the corrections and the timeline for completion. I also request that any entities providing these inaccurate reports be held accountable for violating the FCRA.'

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