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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unverifiable, and unauthorized entries on my credit report that have caused me severe financial harm, emotional distress, and reputational damage. These entries violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), and related federal laws. The continued reporting of these inaccuracies has denied me access to credit, inflated interest rates, and created significant stress that has affected my health, family, and overall quality of life. 
XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Wrong Address Every time a lender or employer pulls my credit, they see these false addresses and question my credibility. This is humiliating, and it puts me in a position where I constantly have to explain something that should not even be on my record. This is a violation of FCRA 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. 
Accounts with reporting issues : XXXX XXXX Account No. XXXX High Balance : {$1100.00} Open Date : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 requires furnishers to report accurate information.

Story : This account is being reported with late payments that I know are inaccurate. I have never received proper validation or proof of this alleged delinquency. The reporting of false late payments makes it seem as though I am careless and unreliable, which is untrue. Because of this reporting, I was denied a small line of credit that I needed to cover medical expenses for my family. The denial was not only stressful but also degrading, as I had to explain to my loved ones why we could not get the help we needed at that time. 
XXXX XXXX Account No. XXXX High Balance : {$6300.00} Open Date : XX/XX/XXXX Issue : Late Payment Law : FCRA 609 gives me the right to full disclosure of records.

Story : This account shows late payments without giving me any original documents or proof. This lack of transparency has caused me to lose financial opportunities, including being denied approval for a vehicle loan I needed for work. I rely on transportation to support myself and my family, and this denial left me feeling helpless and frustrated. My reputation has been harmed because lenders assume I am irresponsible when in reality this reporting is false and unverified. 
XXXX XXXX Account XXXX. XXXX High Balance : {$3900.00} Open Date : XX/XX/XXXX Issue : Late Payment Law : FCRA 611 requires a proper reinvestigation when a dispute is filed. 
Story : I have disputed this account multiple times, but it continues to show the same late payment entries. The failure to conduct a fair reinvestigation is a direct violation of my rights. Because of this inaccurate reporting, I have been paying higher interest rates on credit cards and loans, costing me hundreds of dollars more each month. This financial burden has put me in constant stress, forcing me to make painful decisions such as whether to pay bills on time or delay medical needs. 
XXXX XXXX XXXX XXXX Account No. XXXX High Balance : {$10000.00} Open Date : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681i requires creditors to verify accuracy before reporting.

Story : This account has been reported as a charge off without proper verification or documentation. This false charge off has been XXXX of the biggest obstacles in my life, making it almost impossible to qualify for a mortgage or even affordable credit cards. I have been treated unfairly by lenders who see this charge off and immediately label me as high risk. The stress of constantly being judged and denied has deeply affected my mental health and sense of dignity. 
XXXX XXXX XXXX Account XXXX. XXXX High Balance : {$330.00} Open Date : XX/XX/XXXX Issue : Late Payment Law : FDCPA 807 prohibits false or misleading representation.

Story : This is an old account that should no longer be harming my file, yet it is still being reported with late payments. It feels like my past is being unfairly used against me, long after the reporting period should have expired. Because of this, I was rejected for a housing rental application, leaving me scrambling to find a safe and stable place to live. The humiliation of being turned away because of an outdated and inaccurate report was painful and unjust. 
XXXX XXXX XXXX XXXX Account No. XXXX High Balance : {$1500.00} Open Date : XX/XX/XXXX Issue : Charge Off Law : FCRA 1681s-2 prohibits furnishing inaccurate data.

Story : This charge off has been placed on my report without ever being properly validated. It has caused my score to drop significantly, which has directly affected my ability to provide for my family. I had to rely on predatory lenders with extremely high interest rates just to cover basic living expenses because mainstream banks refused to help me. This is not only unfair but destructive to my financial stability. 
XXXXXXXX XXXX XXXX Account No. XXXX High Balance : {$3400.00} Open Date : XX/XX/XXXX Issue : Charge Off Law : FCRA 623 requires creditors to ensure maximum accuracy.

Story : This account has been wrongfully listed as a charge off, which has made me lose trust in the system. I work hard to maintain my responsibilities, yet because of this unverifiable report, I have been denied multiple opportunities to rebuild my financial life. Each denial brings stress, embarrassment, and a feeling of hopelessness. 
XXXX XXXXXXXX Account XXXX. XXXX High Balance : {$4500.00} Open Date : XXXX XXXX, XXXX Issue : Charge Off Law : FCRA 611 mandates deletion of unverifiable accounts.

Story : This false charge off has stayed on my report for far too long and continues to drag down my score. Because of this, I have been denied employment opportunities with companies that check credit history as part of the hiring process. This has not only cost me jobs but also taken away my ability to provide stability for myself and my family. I feel like I am being punished unfairly every single day by an error that should not even exist. 
XXXX XXXX XXXX XXXX  Account XXXX. XXXX High Balance : {$1000.00} Open Date : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681s-2 requires furnishers to report accurate information.

Story : This account is falsely reported as late. I have consistently met my obligations, yet this reporting has caused lenders to see me as irresponsible. I was recently denied a credit card that I needed for emergency medical expenses, leaving me and my family in an extremely stressful situation. The emotional toll of being misrepresented in this way is ongoing, affecting my daily life and financial stability. 
XXXX XXXX Account XXXX. XXXX High Balance : {$400.00} Open Date : XX/XX/XXXX Issue : Late Payment Law : FCRA 609 gives me the right to full disclosure of records.

Story : This account shows late payments without any verifiable documentation. Because of this false reporting, I was denied approval for a small personal loan that I required for essential household expenses. This unnecessary hardship has caused sleepless nights, anxiety, and a deep sense of frustration. Every time I see this on my credit report, it feels like I am being punished for something I did not do. 
XXXX XXXX  Account XXXX. XXXX High Balance : {$340000.00} Open Date : XXXX XXXX, XXXX Issue : Late Payment Law : FCRA 611 mandates proper reinvestigation when a dispute is filed.

Story : This mortgage account is reported with late payments that are unverified. The repeated inaccurate reporting has caused significant financial consequences, including higher interest rates and increased monthly payments. It has also delayed my ability to refinance under fair terms, costing me thousands of dollars. The stress from dealing with this false reporting is unbearable, and it has affected my sleep, concentration, and overall mental well-being. 
XXXX XXXX XXXX XXXX Account No. XXXX High Balance : {$8800.00} Open Date : XX/XX/XXXX Issue : Late Payment Law : FCRA 1681i requires investigation and deletion of unverifiable information.

Story : The late payment reported on this account is false and damaging. I rely on my credit to manage both personal and family responsibilities, and the false reporting has repeatedly blocked my access to fair credit. The humiliation and anxiety from being denied essential financial services due to false reporting is deeply distressing. 
XXXX Account XXXX. XXXX High Balance : {$7600.00} Open Date : XX/XX/XXXX Issue : Collection Law : FCRA 623 and FDCPA 807 require verification and prohibit misleading reporting.

Story : This collection account is being reported without proper documentation. Because of this, I have been denied credit lines and loans necessary to support my family. The repeated misreporting has caused emotional stress, anxiety, and a growing lack of trust in the financial system. 
XXXX  XXXX Account XXXX. XXXX High Balance : {$3400.00} Open Date : XX/XX/XXXX Issue : Collection Law : FCRA 611 requires deletion of unverifiable accounts.

Story : This collection account is false and unverifiable. The reporting has resulted in denial of housing applications and credit products. I have been forced into high-interest lending options, causing financial strain and ongoing emotional distress. 
XXXX XX/XX/XXXX Issue : Hard Inquiries Law : FCRA 604 ( a ) ( 3 ) requires authorization for hard inquiries.

Story : Repeated hard inquiries without consent are unfairly lowering my credit score. I have been denied multiple financial products, and the emotional toll of constant denials has been significant. I feel powerless and stressed by these repeated violations of my rights. 
In conclusion, these accounts, collections, late payments, charge offs, and unauthorized inquiries are inaccurate, unverifiable, and damaging. I request that all disputed items be fully investigated, verified with original documentation, or permanently deleted from my credit report. Failure to resolve these matters will leave me with no choice but to pursue further action with the CFPB, state regulators, and legal remedies under FCRA 616 and 617.

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