Consumer complaint received 2025-08-23 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 submitting this complaint to formally dispute multiple inaccurate entries and unauthorized inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to have my credit information reported accurately, completely, and verifiably. The following items have caused significant financial, emotional, and personal harm, including harassment, credit denials, and emotional distress. I demand immediate investigation, correction, or removal of all inaccurate or unauthorized information.

Address Discrepancies : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX This address is incorrectly linked to my credit file. Because of this, I have received collection notices and calls for debts I never incurred, creating confusion and fear that my identity is being compromised. The repeated misreporting violates FCRA 1681i and has caused me to spend hours contacting creditors, trying to clarify that I never lived there. Each call leaves me anxious and distrustful of financial institutions, disrupting my daily life. 
XXXX XXXX XXXX, XXXX, TX, XXXX The incorrect reporting of this address has compounded my financial difficulties. I have faced repeated harassing calls from debt collectors trying to reach someone who is not me. This violates FCRA 1681i and has affected my peace of mind, sleep, and ability to focus at work. 
Account Disputes XXXX XXXX XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, High Credit {$300.00} This account is reported as a charge-off, which is incorrect. I was never notified properly, nor given an opportunity to verify this debt. As a result, my credit score has dropped dramatically, causing mortgage and loan applications to be denied. Under FCRA 1681i, the bureau must verify this information, yet the listing remains, causing continuous financial harm. I have endured repeated calls from collections agents, each call increasing my stress and XXXX. 
XXXXXXXX XXXX Account # XXXX, Opened XX/XX/XXXX, High Credit {$300.00} This charge-off is erroneous. I have never defaulted on this account, and its incorrect reporting has led to credit denials and embarrassment. The repeated misreporting shows systemic negligence by the furnishers, violating FCRA 1681s-2 ( b ). Each time I apply for services, I am questioned about a debt that is not mine, which has affected my personal and professional reputation. 
XXXX XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Credit {$750.00} The reporting of this account as a charge-off is false. I was misled by the reporting and denied the ability to clarify. It has caused me to pay higher interest rates and face difficulty securing any form of credit. Under FCRA 1681i, this must be corrected immediately. I have faced repeated harassment calls and letters, which have caused extreme stress and distraction from my work responsibilities. 
XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX, Opened XX/XX/XXXX, High Credit {$1200.00} This account charge-off is reported inaccurately. Because of this, I have lost trust in financial institutions and struggled to get basic credit approvals. The emotional toll has been significant, causing sleepless nights and XXXX, which is a direct consequence of inaccurate reporting under FCRA 1681i. 
XXXX XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Credit {$4000.00} The charge-off on this account is false and unverifiable. I have been repeatedly contacted by collections agents, which has disrupted my work, caused embarrassment in my community, and forced me to spend significant time documenting my disputes. FCRA 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers to provide accurate information, yet this false listing continues to damage my financial reputation. 
XXXX XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Credit {$0.00} The charge-off reported for this account is false and unjust. I have been unfairly labeled as having poor financial responsibility, affecting my credibility with employers and landlords. FCRA 1681s-2 ( b ) obliges verification and correction, yet this error persists. 
XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Credit {$600.00} This charge-off is incorrectly reported. I have never defaulted on this account, yet it has been marked as delinquent. Because of this, I was denied a personal loan I urgently needed to cover medical expenses. The repeated calls and emails from collections agents caused immense XXXX  and sleepless nights. FCRA 1681i mandates proper verification of all reported data, which has not occurred. Each day that this false entry remains, I face tangible financial and emotional harm, including fear that my identity may be compromised. 
XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Credit {$0.00} Reporting this {$0.00} account as a charge-off is misleading. I have never owed this debt. The false entry has caused lenders to view me as a risky borrower, resulting in denied credit applications and higher interest rates. The constant confusion and stress led to missed opportunities to secure housing, forcing me to explain these inaccuracies repeatedly. FCRA 1681i and 1681s-2 ( b ) require investigation and correction of unverifiable or inaccurate data. 
XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Balance {$4600.00} This collection is falsely reported. I never received proper documentation validating this debt. Repeated collection calls disrupted my work, caused humiliation in front of colleagues, and created tension within my family. The stress has affected my sleep and overall health. FCRA 1681s-2 ( b ) mandates verification before reporting, which has not occurred, causing ongoing harm. 
XXXX, Account # XXXX, Opened XX/XX/XXXX, High Balance {$2300.00} This account is reported incorrectly as a collection. The false report has led to loan denials and has forced me to explain the issue repeatedly to financial institutions, which has been both embarrassing and frustrating. The mental strain of this situation is significant, resulting in XXXX  XXXX  and difficulty concentrating at work. FCRA 1681i requires immediate correction of inaccurate information. 
XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Balance {$2300.00} This collection is inaccurately reported. I have never been given verification for this debt, yet it has caused multiple credit denials and undue stress. Each phone call and letter from debt collectors has disrupted my daily life and increased emotional distress. FCRA 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers to provide accurate information, yet this false entry persists. 
XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Balance {$1700.00} This entry is falsely reported as a collection. I have been harassed repeatedly about a debt I do not owe. The experience has caused emotional turmoil, disrupted my family life, and forced me to spend hours disputing the entry. FCRA 1681i mandates correction of inaccuracies, which has not been addressed. 
XXXXXXXX XXXX Account # XXXX, Opened XX/XX/XXXX, High Balance {$1500.00} This account is incorrectly reported as a collection. The reporting has negatively impacted my credit score, led to higher insurance premiums, and caused emotional distress. Every denied application serves as a reminder of this false reporting. FCRA 1681i requires proper verification and removal if unverifiable. 
XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Balance {$800.00} This duplicate or erroneous listing misrepresents my credit history. It has created additional stress, as lenders perceive multiple collections for the same alleged debt. FCRA 1681i requires correction and removal of duplicate or inaccurate information, yet this listing continues to cause harm. 
XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Balance {$670.00} This collection is falsely reported. I never owed this debt, yet I have received repeated calls demanding payment. Each call interrupts my work, causes stress, and affects my family life as I worry about wrongful legal action. I have spent countless hours documenting my disputes and trying to clarify this error. FCRA 1681s-2 ( b ) requires verification of debts before reporting, which has not been done. The emotional toll has been severe, causing sleepless nights and XXXX  that impacts my daily functioning. 
XXXX, Account # XXXX, Opened XX/XX/XXXX, High Balance {$540.00} This collection is inaccurately reported. Because of it, I was denied a small loan to cover necessary home repairs. The repeated harassment calls disrupted my work, caused embarrassment in front of colleagues, and forced me to spend hours disputing the account. FCRA 1681i requires that inaccurate information be corrected, yet this false entry remains, affecting my financial stability and peace of mind. 
XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Balance {$510.00} This collection is falsely reported. I have disputed this account previously, yet it continues to appear inaccurately, resulting in repeated denials of credit. The ongoing stress and harassment violate my rights under FCRA 1681s-2 ( b ). Each collection notice adds to my XXXX, disrupts my professional focus, and affects my ability to provide for my family. 
XXXX XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, High Balance {$240.00} This account is incorrectly reported as a collection. I have never received proper verification or notice. The repeated listing has harmed my credit score, prevented me from securing needed credit, and caused emotional distress. FCRA 1681i mandates investigation and correction of inaccuracies, yet this account remains unverified and damaging. 
XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, High Balance {$110.00} This collection is inaccurately reported. Each phone call and letter related to this account adds to the ongoing stress, affecting both my health and my daily responsibilities. FCRA 1681i requires that disputed information be properly verified, corrected, or removed if unverifiable, yet no correction has occurred. 
Unauthorized or Erroneous Inquiries with Story : I also dispute the following hard inquiries, which appear unauthorized or inaccurate. Each unauthorized inquiry has contributed to unjustly lowering my credit score, impacting my ability to secure housing, loans, and other essential services, and causing unnecessary stress : XXXX XXXX XXXX XXXX Unauthorized ; contributing to stress, financial uncertainty, and disrupted planning. 
XXXX XXXX XXXX Made without my consent ; repeated impacts on credit applications and mental strain. 
XXXX XXXX XXXX Unauthorized ; each denial of credit due to this inquiry causes tangible financial and emotional harm. 
XXXX XXXX XXXX Not authorized ; resulting in repeated frustration and financial setbacks. 
XXXX XXXX XXXX  Unauthorized ; each effect on credit score has caused delays in securing housing and loans. 
XXXX XXXX  Unauthorized ; adds to cumulative stress and negatively impacts my creditworthiness. 
FCRA 1681b strictly limits the conditions under which a credit report may be accessed, and these inquiries are either unauthorized or inaccurate, directly violating my rights.

The cumulative impact of all these inaccuracies, charge-offs, collections, and unauthorized inquiries has been severe. I have endured harassment, emotional distress, financial hardship, and repeated credit denials. Each false entry disrupts my daily life, affects work performance, and damages my personal and professional reputation. 
I demand that all entries be fully investigated, corrected, or removed immediately. Please provide written confirmation of your investigation and an updated credit report reflecting all corrections. Failure to comply with the FCRA will result in regulatory or legal action. 
Thank you for your immediate attention.

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