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:
XXXXI am filing this complaint because multiple inaccurate, unverifiable, and misleading accounts and addresses are being reported on my credit report in violation of the Fair Credit Reporting Act (FCRA), XXXX XXXX XXXX  et seq., and the Fair Debt Collection Practices Act (FDCPA). These negative items are damaging my creditworthiness, creating financial hardship, and are being reported without proper validation.XXXX XXXX XXXX XXXX TX XXXX  Wrong Address  This inaccurate reporting creates a misleading profile of me, under FCRA XXXX Congress requires consumer reporting to be fair and equitable, maintaining such wrong data is negligence, this address issue has caused me to receive collection calls at times for debts I never owed and mail directed to places I have no connection with, it has created unnecessary fear of identity theft and constant stress when lenders or landlords raise questions about these wrong addressesXXXX XXXX XXXX XXXX XXXX TX XXXX   Wrong Address  Duplicate and inaccurate listing of the same wrong address, this type of duplication is prohibited by FCRA XXXX  as it does not ensure maximum possible accuracy, this duplicate reporting has made my file look suspicious and has triggered denials on credit card applications because creditors believed I had multiple inconsistent addresses, this has unfairly lowered my creditworthiness and wasted opportunities for financial progressXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened: XXXX  Balance: XXXX Collection  This account is inaccurate, the balance is disputed and not validated, under FDCPA XXXX  the collector must provide proper validation which was never provided, under FCRA XXXX  this furnisher is reporting unverifiable data, this debt does not belong to me and has caused financial harm, because of this false collection I was denied affordable car insurance and had to pay higher premiums as XXXX reported me to collections incorrectly, this unfairly punished me financially and emotionally for a debt that is not mineXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened: XXXX Balance: XXXX Collection  This account is not mine, never authorized and no validation received, under FDCPA XXXX  it is unlawful to report false or misleading information, this is also a violation of FCRA XXXX  and XXXX as the account is not verifiable, reporting such small disputed amounts creates disproportionate damage and is unfair and deceptive, because of this account I was denied internet service by another provider who believed I had an unpaid XXXX account, I had to pay deposits that I should not have been required to pay, this caused financial hardship and embarrassment in front of my family\XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened: XXXX  Balance: XXXX Collection  This is inaccurate and unverifiable, I never had any business with XXXX XXXX this is identity related error, under FCRA XXXX  this should be blocked as identity theft, failure to remove this account is a willful violation of my rights, because of this account I was denied a small personal loan when I urgently needed funds for medical expenses, I was treated like I was irresponsible and fraudulent when in fact the debt is not mine, this caused emotional distress and damaged my reputationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off  This account is reported as a charge off but the amount is inaccurate, not validated, and unverifiable, I dispute ownership of this debt, under FDCPA XXXX false representation of debt amount is illegal, under FCRA XXXX and XXXX  I have the right to dispute and demand deletion, this entry is harming me with lenders and employers and must be corrected immediately, this false account made me lose a chance at financing for a family vehicle, it has placed enormous stress on me and my dependents, I cannot move forward financially because of this inaccurate and unverified charge off\XXXX XXXX XXXX  Date Opened: XXXX High Credit: XXXX  Late Payment  This account is reporting late payments which are not accurate, under FCRA XXXX  and XXXX  furnishers are required to ensure maximum possible accuracy, I was never properly notified of these alleged late payments and no validation has been provided, due to this false reporting I was denied a small personal loan at a critical time for medical expenses, the negative impact is unfair and damaging, this reporting has caused financial and emotional hardship and is misleading creditors into thinking I am irresponsible when in fact the lateness is not trueXXXX XXXX XXXX XXXX XXXX Date Opened: XXXX  BalanceXXXX XXXX Charge Off  This account is being reported as charged off, the balance is inaccurate, unverifiable and disputed, under FCRA XXXX  furnishers may not report information they know or should know is inaccurate, under FDCPA XXXX misrepresentation of debt status is unlawful, this reporting has made me lose opportunities for a new credit card and even affected my ability to rent housing, I have had to explain over and over to landlords and lenders about this false charge off which has caused embarrassment and loss of financial opportunitiesXXXX XXXX  Date Opened: XXXX  Balance: XXXX Late Payment  This federal loan servicer is inaccurately reporting late payments, under FCRA XXXX and XXXX  I have the right to dispute and demand deletion if unverifiable, the reporting does not reflect my true payment history as I was under forbearance during that time, this false entry has damaged my credit score significantly and prevented me from refinancing at lower rates, causing direct financial losses and emotional stress\XXXX XXXX  Date Opened: XXXX Balance: XXXX Late Payment  Again XXXX is duplicating negative reporting with inaccurate late payments, this is misleading and in violation of FCRA XXXX which requires maximum possible accuracy, this duplication has magnified the negative impact on my credit profile unfairly, I was denied a credit card application as a result, the denial caused me financial harm because I could not access emergency credit when I needed it mostXXXX XXXX  Date Opened: XXXX Balance: XXXX  Late Payment  This is another duplicate inaccurate entry from XXXX, these repeated lates are harmful and unfair, under FCRA XXXX  consumer reporting should be fair and equitable, but this repeated negative reporting is punitive and misleading, I have suffered emotionally and financially as I was denied housing opportunities and faced higher insurance premiums due to the lowered scoreXXXX XXXX  Date Opened: XXXX Balance: XXXX Late Payment  This duplicate entry again reflects inaccurate late payments, I dispute this entirely, XXXX  is misreporting accounts in violation of FCRA XXXX, this repeated misinformation has caused serious emotional distress, I have been humiliated in front of lenders who believe I do not honor my obligations when in fact this reporting is not accurate, it has blocked my path to homeownership and caused me and my family great harm\XXXX XXXX XXXXXXXX  Date Opened: XXXX  Balance: XXXX Charge Off  This account is listed as charged off with a zero balance, this is contradictory, deceptive, and inaccurate reporting in violation of FCRA XXXX, reporting a charge off with no balance misleads creditors into thinking I defaulted when I did not, this account has caused me to be denied auto financing and created unnecessary stress, I am demanding immediate deletion as it is unverifiable and inaccurate\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened: XXXX XXXX XXXX  Collection  This account is inaccurate, disputed, and unverifiable. XXXX XXXX is a known debt buyer that often cannot provide proper validation. Under FDCPA XXXX(a) they are required to provide full validation of debt which has never been provided. Under FCRA XXXX  they must ensure maximum possible accuracy which they failed to do. This false collection caused me to be denied a major credit card, it lowered my score significantly, and I had to pay higher security deposits for utilities. The constant reporting of this account is also creating emotional stress and reputational damage with lenders who wrongly assume I failed to pay\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection  Portfolio Recovery Associates is inaccurately reporting this collection. They have failed to validate the debt in violation of FDCPA XXXX  and continue to furnish unverifiable data in violation of FCRA XXXX  and XXXX. This collection is not mine and has unfairly lowered my creditworthiness. Because of this entry I was denied a store credit account that I needed for emergency purchases, I was embarrassed in front of my family when explaining the denial, and I suffered financial harm by having to pay higher out-of-pocket expenses instead of using credit. This account is unlawful, unverifiable, and must be deleted immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened: XXXX XXXX XXXX  Collection  This account is false and unverifiable, I never had an account with Security Finance of Texas. This is identity-related or misreported data. Under FCRA XXXX  this should be blocked as identity theft. Under FDCPA XXXX, furnishing false information is unlawful. Because of this collection I was denied auto financing when I urgently needed a vehicle for work, I lost valuable time and income opportunities, and I experienced stress and humiliation due to the false portrayal of me as a defaulter. This account is damaging me unfairly and must be removed\nConclusion & Relief Requested\nI am requesting the CFPB to investigate these matters urgently. Each of the above accounts is being reported inaccurately, without proper validation, and in violation of federal law. These items are causing me financial harm, loss of credit opportunities, and emotional distress. I respectfully demand deletion of all inaccurate accounts and for the furnishers and credit reporting agencies to be held accountable for their repeated violations of FCRA and FDCPA.\n Laws Violated:XXXX XXXX  Failure to assure maximum possible accuracy\n\XXXX XXXX)  Failure to conduct proper reinvestigation of disputed information\XXXX XXXX)  Failure of furnishers to investigate and correct inaccuracies\XXXX XXXX   Use of false, deceptive, or misleading representations\XXXX XXXX XXXX XXXXXXXX XXXX  Failure to provide debt validation'

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