Consumer complaint received 2025-05-30 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: SC

Complaint narrative:
I am filing this complaint to report multiple inaccuracies and unauthorized activities on my credit report, which have caused significant harm to my financial well-being. Despite my efforts to rectify these issues, they persist, indicating potential violations of federal laws designed to protect consumers. 

Timeline of Events : XX/XX/XXXX : I discovered several unfamiliar addresses listed on my credit report, including : XXXX XXXX  XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX I have never resided at or been associated with these addresses. 

XX/XX/XXXX : I noticed several accounts on my credit report that I did not open or authorize, including : XXXX ( Account XXXX XXXX  XXXX ) : Balance of {$13000.00}, opened on XX/XX/XXXX, reported with late payments. 

XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) : Reported with late payments. 

XXXX ( Multiple Accounts ) : Account numbers XXXX through XXXX, all reported with late payments. 

XXXX ( Account XXXX XXXX XXXXXXXX ) : Reported with late payments. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXXXXXX ) : Reported as a collection account. 

XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX, Account XXXX XXXX XXXX ) : Reported as a collection account. 

XXXX ( Original Creditor : XXXX XXXX XXXX, Account XXXX XXXX XXXX ) : Reported as a collection account. 

XXXX XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) : Reported as a charge-off. 

XXXX XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) : Reported as a charge-off. 

XXXX  ( Account XXXX XXXX  XXXX ) : Reported with late payments. 

XXXX ( Account XXXX XXXX XXXX ) : Reported as a charge-off. 

XXXX XXXX ( Account XXXX XXXX XXXX ) : Reported as a collection account. 

XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) : Reported with late payments. 

XXXX XXXX  ( Account # : XXXX ) : Reported as a charge-off. 

XXXX XXXX ( Account XXXX XXXX XXXX ) : Reported as a charge-off. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX ) : Reported as a collection account. 

XXXX XXXX XXXX ( Original Creditors : XXXX XXXX, XXXX, XXXX ; Account XXXX XXXX  : XXXX, XXXX, XXXX ) : Reported as collection accounts. 

XXXX XXXX XXXX ( Original Creditors : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ; Account XXXX XXXX : XXXX, XXXX, XXXX ) : Reported as collection accounts. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Account XXXX  : XXXX ) : Reported as a collection account. 

XX/XX/XXXX : I began receiving notifications of hard inquiries on my credit report that I did not authorize, including : TXXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( twice ) XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquiries have negatively impacted my credit score and were made without my consent. 

Legal Violations : The continued reporting of inaccurate information and unauthorized inquiries on my credit report may constitute violations of the following federal laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 

FCRA, 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Requires furnishers to notify consumer reporting agencies of any disputes by consumers regarding the accuracy of information furnished.

FCRA, 15 U.S.C. 1681s-2 ( b ) : Mandates that furnishers investigate disputes and correct or delete inaccurate information after receiving notice from a consumer reporting agency. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) : Requires debt collectors to send a written notice containing specific information about the debt within XXXX days of the initial communication. 

FDCPA, 15 U.S.C. 1692g ( b ) : Obligates debt collectors to cease collection activities until they obtain verification of the debt if the consumer disputes the debt in writing within XXXX  days. 
The financial and emotional toll of this situation has been profound. Due to the false information appearing on my credit report, I have been denied essential services, including credit approvals and rental housing. One of the most devastating moments was being turned down for an apartment I desperately needed because a collection from a utility providerXXXX XXXX ( XXXX XXXX ) was falsely reported in my name. 

These inaccuracies have created daily stress, sleepless nights, and a constant fear that more fraudulent activity will continue to surface. I feel like a victim of financial sabotage that I can not escape, no matter how many dispute letters I send or fraud reports I file. Its not just numbers on a reportits lost opportunities, emotional exhaustion, and damage to my reputation. 

This ongoing trauma and economic damage are precisely what the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) were enacted to prevent. The repeated failure of furnishers and credit reporting agencies to act on disputes and correct these errors violates FCRA 1681i ( a ) ( 1 ) ( A ), which mandates a reasonable reinvestigation of any item disputed by a consumer.

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