Consumer complaint received 2025-09-03 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:
To Whom It May Concern, I am filing this complaint against the credit reporting agencies and furnishers for failing to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, regarding the following inaccurate and harmful items being reported on my credit file. These errors are damaging my creditworthiness, financial stability, and overall reputation. 
XXXX XXXX XXXX XXXX  XXXX, TX XXXX Address This address is not associated with me, and its continued reporting is a direct violation of FCRA 602 ( A ) which requires consumer reporting agencies to ensure maximum possible accuracy. Reporting an address not belonging to me causes confusion, creates mixed files, and misrepresents my identity. Because of this false address, I was questioned during a rental application process, which created embarrassment and suspicion that I was hiding something. This has directly affected my ability to secure safe and reliable housing. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Address This is another address that does not belong to me. The reporting of false or outdated addresses violates FCRA 607 ( B ), which mandates consumer reporting agencies to follow reasonable procedures to assure accuracy. Because of this false entry, a lender once flagged my file for potential fraud, delaying my loan approval and forcing me to provide additional documents. This caused unnecessary stress, lost time, and made me look unreliable when I was simply a victim of poor reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is inaccurately reported as a charge off even though the balance is {$0.00}. Under FCRA 605 and 607, reporting a {$0.00} balance as charged off is misleading and unfair. Because of this error, my credit score dropped, which increased the interest rate on a car loan I was approved for. I was forced to pay higher monthly payments, creating financial strain. This inaccurate report has real financial consequences for me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment This account is being reported with late payments despite showing a {$0.00} balance. Under FCRA 609 and 611, information reported must be complete and accurate. This false late payment reporting has caused me to be denied a mortgage refinance, even though I worked hard to keep my accounts in good standing. The error has not only hurt my financial goals but also created significant emotional distress because I felt punished for something I never did. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is marked as a charge off even though the balance is {$0.00}. This is false and misleading reporting in violation of FCRA 607 ( B ). This false derogatory entry has caused me embarrassment when I applied for a personal loan and the lender questioned why a {$0.00} balance was showing as charged off. I was denied access to funds I needed for family emergencies, which placed me in a difficult and stressful financial position. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is inaccurately reported as charged off with a {$0.00} balance. Under FCRA and FDCPA guidelines, reporting inaccurate charge offs is unlawful and creates false derogatory impacts. Because of this false entry, my insurance premium increased since some insurers also use credit data to determine rates. I am paying more every month due to an error I had no control over, which is unfair and deeply frustrating. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off This account is incorrectly reported as charged off. A {$0.00} balance can not be legally categorized as a charge off. This is a clear violation of FCRA 623 ( A ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. Because of this derogatory entry, I was denied approval for a credit card that I needed to consolidate debt. Instead of being able to manage my finances better, I was forced to rely on high-interest alternatives, which worsened my financial hardship. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Charge Off This account is being reported as a charge off, but the information is incomplete and inaccurate. FCRA 607 ( B ) requires maximum possible accuracy. Reporting an account with errors as charged off creates the false impression that I defaulted, which is untrue. Because of this derogatory entry, I was denied approval for a home improvement loan, forcing me to postpone necessary repairs and live in unsafe conditions. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Charge Off This account is reported with conflicting and inconsistent details across the bureaus. Inconsistencies violate FCRA 623 ( A ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. This has led to confusion and made it look like I had multiple defaults. Because of this false reporting, I was embarrassed during a rental application when the landlord questioned my integrity. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} Charge Off This account is reported as a charge off with a large balance that does not match my actual history. This appears to be inflated, misleading, and unverified, in violation of FCRA 605 and 607. This reporting has directly harmed me by preventing approval for a consolidation loan. Instead of being able to pay down debt responsibly, I have been forced into paying higher costs due to inaccurate reporting. 
XXXX  XXXX Bankruptcy # XXXX Court : U.S. Bankruptcy XXXX Bankruptcy This bankruptcy is inaccurately reported and has been reinserted multiple times without proper certification as required under FCRA 611 ( a ) ( 5 ). I never authorized nor confirmed the accuracy of this reporting. The stigma of bankruptcy reporting has prevented me from securing professional opportunities where credit history is reviewed. This has directly harmed my career and financial stability. 
XXXX  XXXX Bankruptcy # XXXX Court : U.S. Bankruptcy XXXX Bankruptcy This bankruptcy entry is inconsistent and duplicative. Duplicate entries for bankruptcies misrepresent my financial history, which violates FCRAs requirement of maximum accuracy. Because of this error, I was denied a business line of credit, which cost me growth opportunities for my small business. 
XXXX  XXXX Bankruptcy # XXXX Court : U.S. Bankruptcy XXXX Bankruptcy This is another bankruptcy entry being reported inaccurately. Reporting multiple Chapter XXXX filings when they are not valid is misleading and unlawful. These false reports have caused me severe emotional distress, as creditors have treated me as high risk and refused even basic financial services. 
XXXX BANK XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me. Under FCRA 604, a consumer report may only be accessed with permissible purpose. This unauthorized inquiry has lowered my score and given the impression that I am seeking excessive credit. This caused my credit card limit increase request to be denied. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry also lacks permissible purpose. FCRA violations occur when companies access reports without authorization. Because of this entry, I was questioned by another lender about my borrowing activity, which was embarrassing and stressful. 
The above accounts, bankruptcies, and inquiries are being reported inaccurately and unlawfully. They have caused me financial harm, higher interest rates, denial of credit opportunities, emotional distress, and reputational damage. Under FCRA, I request immediate deletion and correction of these items. If this matter is not resolved promptly, I will escalate to the CFPB, FTC, and consider legal remedies for damages caused by these violations

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