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:
b'Dear CFPB Officer,\nI am submitting this complaint because several creditors and credit reporting agencies are reporting inaccurate, misleading, and unverifiable information on my credit report. These items violate my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, and the Consumer Financial Protection Act (CFPA).\nBelow, I have listed each disputed account with the specific issue and supporting explanation.\XXXX XXXX XXXX XXXX XXXX  Address  Wrong and never authorized\nIssue & Story: This address is being wrongfully reported on my file. I never lived there, never applied for credit with this address, and never authorized its use. Because of this error, creditors assume I lived at multiple residences, which paints a false picture of instability. It has caused lenders to deny me approval for basic credit needs, landlords to question my rental applications, and even employers to doubt my reliability. This address error violates FCRA 607(b) because credit bureaus must maintain maximum possible accuracy.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address  Wrong and never authorized\nIssue & Story: This is another variation of the wrong address being reported. Such inconsistencies show careless and negligent recordkeeping by furnishers. Because of this mistake, I was flagged for additional fraud review during an auto loan application, delaying my approval and costing me higher interest. The law requires accurate and fair reporting, and this is a clear violation of FCRA 623(a).\n\XXXX XXXX  Date Opened: XXXX Balance Owed: $1,083  Late Payment**\nIssue & Story: This account is unverifiable. I have never received any signed contract or application proving I authorized this account. Reporting this debt without proof violates FDCPA 809(b). Because of this error, I was placed under unnecessary collections review and lost the opportunity to refinance my car loan at a lower rate. The damage has been both financial and emotional.XXXX XXXX XXXX  Date Opened: XXXX  Balance Owed: XXXX  Late Payment**\nIssue & Story: The late payments reported here are inaccurate. I was never provided sufficient notices nor accurate statements regarding these delinquencies. This error paints me as a careless borrower when in fact I was responsible. Because of this, my mortgage pre-approval was denied, and I was forced to delay my home purchase. This is a violation of FCRA 611(a) which requires proper reinvestigation upon dispute.\nXXXX XXXX XXXX Date Opened: XXXX  Balance Owed: $418  Late Payment**\nIssue & Story: I requested validation of this account multiple times but never received it. Reporting unverifiable debt violates FDCPA 807(8). Because of this entry, I was forced to pay higher deposits for utilities and was denied a rental apartment. The financial and emotional toll of this error is severe and ongoing.XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX  Balance OwedXXXX XXXX   Late Payment**\nIssue & Story: This account shows late payments that are inconsistent and unverifiable. Different bureaus are showing different dates of delinquency, proving inaccuracy. Because of this false reporting, I lost the opportunity to qualify for a student loan with favorable terms, which directly impacted my education and career. This is a violation of FCRA 623(a)(1).\XXXX XXXX  Date Opened: XXXX  Balance Owed: XXXX   Late Payment**\nIssue & Story: This account is being reported with late payments that I dispute. I never received valid billing records proving these late entries. The reporting is inconsistent across bureaus and violates FCRA 607(b). Because of this wrong entry, my auto loan application was denied, and I suffered financial harm through higher transportation costsXXXX XXXX Date Opened: XXXX Balance OwedXXXX XXXX   Late Payment**\nIssue & Story: This account reflects false late payments. No proper validation or original signed documentation has been provided despite repeated requests. Reporting unverifiable information violates FDCPA 809(b). Because of this inaccurate entry, I was charged higher insurance premiums and denied affordable credit.\XXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Late Payment**\nIssue & Story: This appears to be a duplicate account from the same creditor. Duplicate reporting is misleading and unfairly lowers my credit score. FCRA 605B prohibits mixed or duplicated file reporting. Because of this duplication, I was rejected for a credit card with favorable terms, which directly harmed my financial opportunities.XXXX XXXX Date Opened: XXXX  Balance OwedXXXX XXXX   Late Payment**\nIssue & Story: This account shows false late payments and no validation has been provided. Reporting unverifiable debt violates FDCPA 807(8). Because of this entry, I was forced to pay large security deposits for basic services, adding unnecessary financial hardship.\XXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Late Payment**\nIssue & Story: This student loan account is reported with late payments that are decades old. FCRA 605(a) limits how long negative information can remain on a consumer report, yet it continues to harm me. Because of this wrongful reporting, I was denied financial aid opportunities and suffered unnecessary hardship.\XXXX XXXX Date Opened: XXXX  Balance Owed: XXXX   Late Payment**\nIssue & Story: Another student loan entry being reported with false late payments. These historical errors are unverifiable and outdated, yet they remain on my file. This violates FCRA 611(a) reinvestigation requirements. Because of this, I was denied affordable housing due to negative credit history.XXXX XXXX Date Opened: XXXX  Balance Owed: XXXX  Late Payment**\nIssue & Story: This account contains inaccurate late payment reporting, and no original documentation has been provided despite multiple requests. This violates FDCPA 809 and FCRA 623(a)(1). As a result, my score was unfairly lowered, and I faced difficulty qualifying for refinancing programsXXXX XXXX  Date Opened: XXXX Balance Owed: XXXX  Late Payment**\nIssue & Story: This is yet another student loan entry from the same servicer with reported late payments that are unverifiable. Multiple accounts from the same creditor reporting negative information creates a distorted and unfair picture of my creditworthiness. Because of this duplication and false reporting, I was denied a personal loan and faced continued financial stress.XXXX XXXX Date Opened: XXXX Balance Owed: XXXX   Late Payment**\nThis account is being reported with late payments that are inconsistent and unclear. I was under a repayment and deferment plan during several periods, which should not have resulted in negative reporting. Reporting late payments during forbearance or deferment violates FCRA 623(a)(1)(A) as well as Higher Education Act protections for student borrowers. These lates are a misrepresentation of my payment history and must be corrected or deleted.XXXX XXXX Date Opened: XXXX  Balance Owed: XXXX  Late Payment*XXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Late Payment**XXXX XXXX Date Opened: XXXX Balance Owed: XXXX   Late Payment**\nBridgecrest is reporting multiple accounts with extremely high balances and late payments. These entries appear to be duplicate or inaccurate reporting, as no consumer should have three simultaneous accounts of this nature. The balances are inflated, unverified, and no proper validation of debt was ever provided upon request. This violates FDCPA 809(b) (failure to validate debt) and FCRA 604(b) (permissible purpose). The multiple entries appear to be an attempt to damage my credit through duplication. I demand that these accounts be fully validated or removed.\XXXX XXXX  Date Opened: XXXX Balance OwedXXXX XXXX  Late Payment*XXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Late Payment**\nThese accounts show student loan late payments that do not align with the repayment history I maintained. During those periods, I had active deferment and forbearance, yet late payments are being reported inaccurately. This is a violation of FCRA accuracy standards and CFPB guidelines for student loan servicers. Negative reporting during deferment is misleading, unfair, and must be correctedXXXX XXXX  Date Opened: XXXX Balance Owed: XXXX   Late Payment**\nThis account is reported with late payments, yet during this timeframe I was enrolled in deferment/forbearance programs that should have prevented negative credit reporting. Federal student loan servicers are prohibited from marking accounts as late while a deferment or forbearance is active, which makes this entry inaccurate. This is a violation of FCRA 623(a)(1)(A), requiring furnishers to report accurate information. It also violates CFPB guidelines for student loan servicers that protect borrowers from being unfairly penalized during hardship assistance.XXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Late Payment**\nThis account shows late payments during a period where I was actively communicating with the loan servicer and requesting accommodations. No valid notice of delinquency was issued, and the negative reporting does not reflect the reality of my repayment status. This is misleading, harmful, and falls under FCRA 607(b), which requires maximum possible accuracy in reporting. I dispute the validity of these lates and demand immediate reinvestigationXXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Late Payment**\nThis loan entry is also showing late payments that contradict my repayment history. I submitted payments that were not applied correctly due to servicer error, yet the burden of that error was placed on me as the borrower. Reporting lates under such circumstances is not only inaccurate but also unfair under FCRA and violates consumer protection standards. These lates are damaging and must be corrected.XXXX XXXX  Date Opened: XXXX Balance OwedXXXX XXXX   Late Payment**\nThis entry continues the pattern of inaccurate reporting by Mohela Servicing. Payments made on time were not properly credited, and late payments were added without proper basis or validation. Reporting negative information without correct validation is a violation of FDCPA 809(b) (failure to validate debt upon dispute) and FCRA accuracy standards. This entry must be removed or corrected immediately.XXXX XXXX XXXX XXXX  Date Opened: XXXX Balance Owed: XXXX  Late Payment**\nThis account is reported with a $0 balance yet also shows a late payment, which is factually inconsistent. If no balance existed, there could not have been a delinquency. This is false and misleading information in violation of FCRA 607(b). Furnishers are required to report only accurate and complete information. The presence of this false entry harms my credit and must be deleted.XXXX XXXX XXXX XXXX  Date Opened: XXXX Balance Owed: XXXX  Collection**\nThis collection account has been reported without providing any validation of debt. Under FDCPA 809(b), consumers have the right to request validation before a debt can be collected or reported. No itemized statement or original contract has been provided to me. Reporting such debt without validation is misleading and unlawful. This entry must be deleted.\XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX  Balance Owed: XXXX  Collection**\nThe amount reported here is highly questionable and appears inflated. No itemized validation has ever been provided showing how this alleged balance was calculated. The FDCPA requires validation, and FCRA 623(a)(1)(A) prohibits furnishers from reporting false or unverifiable information. Until proven valid with full documentation, this account must be deleted.XXXX XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX   Collection*\nThis collection account is being reported without any correspondence or validation. I was never notified properly of this alleged debt, which violates FDCPA 809(a) (debt collectors must provide written notice within 5 days of initial communication). Without proper notice and validation, this account is inaccurate and must be deleted.XXXX XXXX Date OpenedXXXX XXXX Balance Owed: XXXX   Collection**\nThis account is unverified and continues to appear on my credit file despite no proof of ownership being provided. Reporting a debt that cannot be verified violates FCRA 611(a), which requires proper reinvestigation when a consumer disputes. This collection account is misleading, damaging, and must be removed.XXXX XXXX XXXX XXXX Date Opened: XXXX Balance Owed: XXXX  Collection**\nThis account is being reported inaccurately. The alleged balance is unverified, and no documentation has been provided to establish ownership or responsibility. Continuing to report this account without validation is a violation of FCRA 611(a) and FDCPA validation requirements. This tradeline must be deleted.XXXX XXXX Date OpenedXXXX XXXX  Balance Owed: XXXX   Collection*\nThis entry shows a XXXX balance, yet it is still reported as an active collection. If the balance is XXXX, the account should no longer be reported as derogatory. This is misleading and violates FCRA 607(b) by failing to ensure accuracy. It should be deleted from my credit file immediately.XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX Balance Owed: XXXX  Collection**\nThis collection entry is extremely damaging to my credit, yet it has never been properly validated. I have never been provided with an itemized accounting or proof that this debt is legally mine. Under FDCPA 809(b) and FCRA 623, it is unlawful to report unverifiable or inflated balances. This account must be removedXXXX XXXX  Inquiry\nThese inquiries appear without my knowledge or authorization. If no credit was extended and no permissible purpose exists, these are violations of FCRA 604(a). Unauthorized hard pulls harm my credit and must be removed.XXXX XXXX XXXX  Inquiry\nThis inquiry was not authorized by me. Without my written consent or a valid application, this is unlawful under FCRA. I dispute and request deletion.XXXX XXXX XXXX  InquiryXXXX XXXX XXXX  Inquiry\nThese inquiries are repeated, suggesting either duplications or unauthorized pulls. If no valid credit application exists, these inquiries violate FCRA permissible purpose rules. They must be removed.\nLegal Basis for Complaint\n1.\tFCRA Violations:\no\tFailure to report accurate and complete information ( 1681s-2(a)).\no\tFailure to correct and update disputed information ( 1681s-2(b)).\no\tFailure to maintain maximum possible accuracy ( 1681e(b)).\n2.\tFDCPA Violations:\no\tContinued collection activity without proper validation ( 809(a), 15 U.S.C.  1692g).\n3.\tConsumer Financial Protection Act Violations:\no\tEngaging in unfair, deceptive, or abusive acts or practices (UDAAP) under 12 U.S.C.  5531, 5536.\nRequested Resolution\n\tImmediate investigation of all disputed accounts.\n\tRemoval of inaccurate, unverifiable, and misleading accounts from my credit file.\n\tWritten confirmation from CFPB and the furnishers regarding corrective actions taken.'

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