Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p. My credit report contains multiple false, misleading, and damaging entries, including charge-offs, late payments, and unauthorized hard inquiries. These inaccuracies have severely harmed my credit score, financial reputation, access to loans, housing opportunities, and professional credibility. The repeated negligence and willful reporting of false information demonstrates clear violations of federal law. I demand immediate investigation, correction, and removal of all inaccurate information. 
Wrong Addresses Reported : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX I have never lived at this address. Its inclusion has caused several creditors to reject my applications due to confusion about my identity. This repeated misreporting violates FCRA 1681i ( a ) and 1681s-2 ( b ). Each time this false address is used, it generates extra verification steps, delays approvals, and exposes me to potential legal risk if debts associated with this address are wrongly attributed to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This address has been incorrectly linked to my identity multiple times. I have been denied or delayed financial services due to the presence of this false information. It is a blatant violation of FCRA 1681s-2 ( b ). The repeated reporting of false addresses demonstrates negligence and potential willful violations by creditors and reporting agencies. 
Account Disputes : XXXX XXXX Charge Off, High Balance {$8800.00}, Date Opened 16/01/2021 This charge-off is completely false. I have never missed a payment, and I have records proving all payments were timely. Reporting this false charge-off is a violation of FCRA 1681i ( a ) requiring reinvestigation and 1681s-2 ( a ) ( 1 ) ( A ) requiring accurate reporting. This false charge-off has prevented me from obtaining auto loans and mortgages, led to higher interest rates, and caused severe emotional XXXX. The constant rejection from financial institutions has affected my job-related relocation opportunities and my ability to secure housing. 
XXXX XXXX XXXX Late Payment, High Balance {$4600.00}, Date Opened XX/XX/XXXX This account has been falsely reported as late. I have proof of on-time payments, and this error violates FCRA 1681i ( a ) and FDCPA 1692e prohibiting false reporting. Because of this false late payment, I have been denied new credit lines and suffered reputational damage with lenders. Each incorrect late payment is a direct financial loss due to higher interest rates on loans I could have obtained. 
XXXXXXXX XXXX XXXX XXXX Late Payment, High Balance {$5000.00}, Date Opened XX/XX/XXXX The reported late payments are inaccurate. This misreporting violates FCRA 1681i ( a ) and 1681e ( b ). The false report has caused XXXX, affected my mortgage refinancing efforts, and led to unnecessary legal documentation requests from lenders questioning my payment history. The ongoing impact of this incorrect reporting is real, measurable, and unacceptable. 
XXXX XXXX Late Payment, High Balance {$600.00}, Date Opened XX/XX/XXXX Reporting false late payments violates FCRA 1681s-2 ( b ). This has caused me to be flagged for credit risk incorrectly. Lenders have questioned my reliability, delayed approvals, and imposed higher fees. The false reporting has also caused me emotional XXXX  and undermined my trust in the financial system. 
XXXX XXXX Late Payment, High Balance {$2100.00}, Date Opened XX/XX/XXXX This account is reported as late despite timely payments. Violates FCRA 1681i ( a ). The misreporting has already caused a personal loan application to be denied and increased scrutiny on routine banking transactions. Each false late payment compounds the financial and reputational harm. 
XXXX XXXX Late Payment, High Balance {$2600.00}, Date Opened XX/XX/XXXX The reported late payment is inaccurate. Violates FCRA 1681i ( a ) and FDCPA 1692e. This error caused my loan for a car purchase to be denied and created significant XXXX  while I gathered evidence to dispute it. The ongoing damage to my XXXX XXXX is measurable and preventable. 
XXXX XXXX Charge Off, High Balance {$3900.00}, Date Opened XX/XX/XXXX This charge-off is false. Violates FCRA 1681i ( a ) and 1681s-2 ( b ). This error has blocked my ability to rent an apartment and caused repeated delays in job-related background checks. The charge-off is a substantial financial and personal burden, affecting nearly every aspect of my life. 
XXXX XXXX XXXX Late Payment, High Balance {$2300.00}, Date Opened XX/XX/XXXX This account has been falsely reported as late. I have complete documentation proving all payments were made on time. This inaccurate reporting caused my personal loan application to be delayed by weeks, led to higher interest rates, and forced me to provide unnecessary proof of payment to multiple institutions. The XXXX  of defending accurate financial behavior has caused emotional strain and wasted hours of my time. Reporting false late payments violates FCRA 1681i ( a ) and FDCPA 1692e, which prohibit reporting inaccurate information and misleading representations. 
XXXX XXXX Late Payment, High Balance {$3900.00}, Date Opened XX/XX/XXXX Reporting this account as late is inaccurate and violates FCRA 1681s-2 ( b ). The false late payment delayed my mortgage application and forced me to repeatedly submit payment records, causing XXXX, frustration, and risk of losing favorable mortgage terms. Financial institutions now view my credit history inaccurately, resulting in higher interest rates and denied credit opportunities. 
XXXX XXXX XXXX Late Payment, High Balance {$14000.00}, Date Opened XX/XX/XXXX This late payment is completely false. Violates FCRA 1681i ( a ) requiring proper reinvestigation. Because of this misreporting, I was denied a home equity loan critical for property renovation. This not only caused financial loss but also emotional XXXX  and disruption of long-term financial planning. The inaccurate reporting continues to affect my creditworthiness with other lenders. 
XXXX XXXX XXXX Charge Off, High Balance {$6600.00}, Date Opened XX/XX/XXXX This charge-off is false and violates FCRA 1681s-2 ( b ) and 1681e ( b ) requiring accurate reporting. The false charge-off has caused repeated denials for car loans and credit cards, significantly limiting my access to financial services. I have also experienced emotional XXXX  and professional challenges due to repeated questioning of my financial reliability. 
XXXX XXXX Charge Off, High Balance {$7400.00}, Date Opened XX/XX/XXXX Reporting this account as a charge-off is inaccurate and violates FCRA 1681i ( a ) and FDCPA 1692e. The false report has blocked my ability to refinance my mortgage, delayed housing applications, and caused higher interest rates on lines of credit. I have incurred financial losses, wasted time disputing this error, and experienced repeated XXXX  due to inaccurate reporting. 
XXXX XXXX Late Payment, High Balance {$1100.00}, Date Opened XX/XX/XXXX The reported late payment is false and violates FCRA 1681i ( a ) and 1681s-2 ( b ). This inaccuracy has resulted in denial of personal loans, delayed housing applications, and repeated requests for verification of timely payments, causing both financial and emotional hardship. 
XXXX XXXX XXXX Late Payment, High Balance {$10000.00}, Date Opened XX/XX/XXXX The reported late payment is inaccurate and violates FCRA 1681i ( a ). This false report has led to denial of credit card applications, higher interest rates, and increased scrutiny on all financial applications. It has caused unnecessary XXXX  and frustration as I am forced to defend accurate financial behavior repeatedly. 
XXXX XXXX Late Payment, High Balance {$7500.00}, Date Opened XX/XX/XXXX This account is falsely reported as late. Violates FCRA 1681i ( a ) and 1681s-2 ( b ). Due to this inaccurate late payment, my car loan application was denied, my interest rates increased on pending financial products, and I experienced significant XXXX  in attempting to correct these false reports with the creditor. 
XXXX XXXX Late Payment, High Balance {$2100.00}, Date Opened XX/XX/XXXX Reporting this account as late is false and violates FCRA 1681i ( a ) and FDCPA 1692e. The misreporting delayed my loan approval, increased the cost of credit, and caused repeated unnecessary interactions with the creditor to verify my timely payments. 
XXXX XXXX XXXXXXXX XXXX Late Payment, High Balance {$3600.00}, Date Opened XX/XX/XXXX This account has been falsely reported as late. I have full documentation proving all payments were made on time. Violates FCRA 1681i ( a ) and FDCPA 1692e. Due to this false late payment, I was denied a personal loan, forced to pay higher interest rates on credit lines, and experienced repeated verification requests from lenders. The emotional XXXX  and wasted time defending my accurate payment history have been significant. 
XXXX XXXX Charge Off, High Balance {$36000.00}, Date Opened XX/XX/XXXX This charge-off is completely inaccurate. Violates FCRA 1681s-2 ( b ) and 1681e ( b ) requiring accurate reporting. Because of this false charge-off, my mortgage application was delayed, my credit score dropped significantly, and lenders repeatedly questioned my financial reliability. The false reporting has caused substantial financial loss and emotional XXXX. 
XXXX XXXX XXXXXXXX XXXX Charge Off, High Balance {$50000.00}, Date Opened XX/XX/XXXX This account has been falsely reported as a charge-off. Violates FCRA 1681i ( a ) and FDCPA 1692e. The inaccurate reporting blocked my ability to refinance my property, caused denial of auto financing, and created severe XXXX  and financial burden. Each false item compounds the harm done to my creditworthiness. 
XXXX XXXXXXXX XXXX Late Payment, High Balance {$40000.00}, Date Opened XX/XX/XXXX Reporting this account as late is false. Violates FCRA 1681i ( a ) and 1681s-2 ( b ). This error caused my home equity loan to be delayed, forced me to provide proof of timely payments multiple times, and created unnecessary XXXX  and financial hardship. 
DEPTEDXXXX XXXXXXXXXXXX XXXX Late Payment, High Balance {$3500.00}, Date Opened XX/XX/XXXX The reported late payment is inaccurate. Violates FCRA 1681i ( a ) and 1681s-2 ( b ). Because of this false report, I faced higher interest rates, repeated verification requests from lenders, and unnecessary personal XXXX  while attempting to correct my credit history. 
XXXX XXXX XXXXXXXX XXXX XXXX Late Payment, High Balance {$35000.00}, Date Opened XX/XX/XXXX This late payment is falsely reported. Violates FCRA 1681i ( a ) and FDCPA 1692e. Due to this inaccuracy, my auto loan application was denied, interest rates increased on pending loans, and I experienced repeated delays in financial approvals. The ongoing damage to my creditworthiness is measurable and preventable. 
XXXX XXXX Charge Off, High Balance {$4500.00}, Date Opened XX/XX/XXXX This charge-off is false. Violates FCRA 1681s-2 ( b ) and 1681e ( b ). The inaccurate reporting caused denial of housing applications, delays in credit approvals, and significant emotional XXXX. Repeated verification requests and denials based on false reporting have been extremely XXXX  and financially damaging. 
XXXX XXXX Late Payment, High Balance {$8200.00}, Date Opened XX/XX/XXXX Reporting this account as late is inaccurate. Violates FCRA 1681i ( a ) and FDCPA 1692e. This false late payment blocked my access to new credit lines, caused higher interest rates, and forced me to submit repeated evidence proving my timely payments, creating financial loss and XXXX. 
XXXX XXXX Charge Off, High Balance {$11000.00}, Date Opened XX/XX/XXXX This charge-off is completely false. I have documentation proving that all payments were made as agreed. Reporting this false charge-off violates FCRA 1681i ( a ), 1681s-2 ( b ), and 1681e ( b ). This false reporting has blocked my ability to secure auto financing, delayed housing applications, and caused repeated denials for personal and business loans. The financial loss and emotional XXXX  caused by this inaccuracy are significant. 
XXXX XXXXXXXX XXXX Charge Off, High Balance {$0.00}, Date Opened XX/XX/XXXX Reporting this account as a charge-off is inaccurate and violates FCRA 1681i ( a ) and 1681s-2 ( b ). Because of this false report, lenders have questioned my financial reliability, delayed approvals, and imposed stricter terms on credit lines, causing unnecessary XXXX  and measurable financial harm. 
Inquiry Disputes : XXXX XXXX XX/XX/XXXX Unauthorized hard inquiry. Violates FCRA 1681b. This inquiry incorrectly affected my credit score and caused lenders to question my financial reliability, delaying loan approvals and increasing interest rates. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Violates FCRA 1681b. This has resulted in higher scrutiny for my pending credit applications and unnecessary financial XXXX. 
XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Violates FCRA 1681b. The inquiry impacted my credit evaluation, delayed loan approvals, and required repeated efforts to correct my credit report. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Violates FCRA 1681b. This has affected my credit profile, caused loan denials, and resulted in financial and emotional inconvenience. 
XXXX XX/XX/XXXX Unauthorized inquiry. Violates FCRA 1681b. The false inquiry led to delays in credit approval and increased scrutiny from lenders, affecting my ability to secure auto financing. 
XXXX XXXX XXXX  XXXX  XX/XX/XXXX Unauthorized inquiry. Violates FCRA 1681b. The inquiry negatively impacted my credit score, caused higher interest rates, and delayed loan approvals. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Violates FCRA 1681b. This inaccurate reporting created unnecessary XXXX, delayed credit applications, and caused financial and administrative burdens. 
Narrative : The repeated false reporting of charge-offs and unauthorized hard inquiries demonstrates a clear pattern of negligence and potential willful violation by creditors and reporting agencies. Each false item has caused measurable financial loss, denial of credit, housing delays, professional obstacles, and emotional XXXX. Reporting false information violates FCRA 1681i ( a ), 1681s-2 ( b ), 1681e ( b ) and 1681b, as well as FDCPA 1692e, 1692f. I have repeatedly attempted to resolve these issues directly with creditors, yet the false information persists. Continued reporting of false information constitutes harassment, defamation, and deliberate interference with my financial stability. I demand immediate reinvestigation, correction of misreported accounts and inquiries, and written confirmation once all corrections are completed.

Request for CFPB Action : I request that the CFPB enforce compliance with FCRA and FDCPA, ensuring all inaccurate information is corrected or deleted immediately. The responsible parties must be held accountable for willful or negligent reporting of false, misleading, and damaging information. These errors have caused substantial financial and reputational harm and must be corrected without delay.

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