Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report, which are causing severe financial, emotional, and personal hardship. These errors include false charge-offs, late payments, collections, and unauthorized or inaccurate hard inquiries. Reporting these inaccuracies violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX. I demand immediate investigation, verification, and correction or removal of all inaccurate items. 
Disputed Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This address is not associated with me. Its inclusion is misleading and has caused misdirected communications, repeated verification requests, and confusion with creditors. This false address has already resulted in delayed notifications about account activity, making it difficult for me to respond to legitimate financial matters promptly. The erroneous reporting suggests I have a history at this address, which is false, leading to inaccurate credit assessments, potential loan denials, and additional scrutiny from financial institutions. Under FCRA 1681e ( b ), credit reporting agencies must employ reasonable procedures to ensure maximum accuracy. The reporting of this incorrect address violates my rights and subjects me to unnecessary stress and potential financial harm. 
XXXX XXXX XXXX XXXXXXXX, FL XXXX This incorrect address falsely indicates that I have lived at multiple locations that are not mine. It has caused misdirected account statements, confused creditors, and has complicated my efforts to secure new credit or loans. These errors are stressful, time-consuming to correct, and can negatively affect my XXXXredit score. FCRA 1681e ( b ) requires accurate reporting, and FDCPA 1692e prohibits misleading statements. Reporting this false address also affects my ability to rent or obtain housing, as landlords often rely on credit reports to verify residency history, creating unnecessary obstacles and stress. 
Disputed Accounts : XXXX ( Acct : XXXX, High Credit : {$130000.00}, Opened : XX/XX/XXXX ) Reported Late Payments I have consistently paid on time. The reported late payments are false and damaging, causing undue stress and anxiety about my financial reputation. These errors have already affected my ability to refinance, increased my insurance premiums, and limited access to credit offers. FCRA 1681i ( a ) and 1681e ( b ) require accurate reporting and correction of errors. The false late payments misrepresent my reliability as a borrower, harm my financial opportunities, and require extensive time and effort to dispute, causing both emotional and practical burdens. 
XXXX XXXX ( Acct : XXXX, High Credit : {$4000.00}, Opened : XX/XX/XXXX ) Reported Late Payments The reported late payments are incorrect. These false entries have caused multiple denials of credit applications, misrepresented my financial responsibility, and imposed unnecessary stress and lost opportunities. FCRA 1681i ( a ) ( 1 ) ( A ) mandates that unverifiable information must be corrected or removed. This inaccurate reporting creates an ongoing burden, requiring me to provide proof of payments and repeatedly communicate with creditors to correct the misinformation, wasting valuable time and resources. 
XXXX XXXX XXXX  Acct : XXXX, High Credit : {$5000.00}, Opened : XX/XX/XXXX ) Reported Late Payments These late payments are falsely attributed to me. This misinformation has lowered my credit score, caused anxiety, delayed financial planning, and forced multiple disputes with financial institutions. FCRA 1681i ( a ) and FDCPA 1692e ( XXXX ) require reporting agencies to verify debts before reporting them. The false reporting misleads creditors about my ability to manage debt responsibly and creates undue financial stress and inconvenience. 
XXXX XXXX ( Acct : XXXX, High Credit : {$2000.00}, Opened : XX/XX/XXXX ) Reported Charge-off This account has been reported as charged-off erroneously. I have either settled or maintained the account according to its terms. This false charge-off misrepresents my financial behavior, negatively affects my credit score, and prevents access to favorable credit options. FCRA 1681i ( a ) ( XXXX ) ( A ) requires verification, and unverifiable items must be removed. The continued reporting of this inaccuracy imposes ongoing financial stress, damages my credibility with lenders, and requires significant time and effort to resolve. 
XXXX XXXX XXXX  XXXX Acct : XXXX, High Credit : {$1400.00}, Opened : XX/XX/XXXX ) Reported Charge-off The charge-off status is false. This incorrect information violates FCRA 1681e ( b ) and misrepresents my payment history. It has caused delays in loan approvals, forced repeated correspondence with financial institutions, and created undue stress. False reporting of a charge-off harms my reputation as a borrower, affects my access to new credit, and requires significant effort to correct. 
XXXX  ( Acct : XXXX, High Credit : {$1400.00}, Opened : XX/XX/XXXX ) Reported Charge-off This account has been inaccurately marked as charged-off. This false reporting has lowered my credit score, caused denial of credit offers, and misrepresented my ability to responsibly manage debt. FCRA 1681i ( a ) and FDCPA 16XXXX require immediate correction of inaccuracies. The reporting error has created financial stress, emotional distress, and significant inconvenience. 
XXXX ( Acct : XXXX, High Credit : {$1400.00}, Opened : XX/XX/XXXX ) Reported Charge-off The charge-off status is incorrect. According to FCRA 1681i ( a ), reporting agencies must correct or remove inaccurate items upon dispute. This error has caused denials of credit, misrepresented my reliability as a borrower, and created emotional stress and potential financial harm. The false charge-off affects interest rates, loan approvals, and overall financial opportunities, requiring extensive time and documentation to dispute. 
XXXX XXXX XXXX ( Acct : XXXX, High Credit : {$1100.00}, Opened : XX/XX/XXXX ) Collection I dispute this collection as entirely inaccurate. I have never received proper verification, statements, or notifications that would confirm this debt. The reporting of this false collection has caused repeated rejections of loan applications, unnecessary scrutiny by creditors, and significant anxiety regarding my financial standing. Each application I submit is delayed or denied because lenders see this collection, which misrepresents my actual financial responsibility. Under FCRA 1681i ( a ), I have the right to demand verification and immediate correction of inaccurate items. Reporting unverified debts also violates FDCPA 1692e ( 8 ), which prohibits reporting debts that have not been properly validated. This false collection has required me to spend hours gathering documentation, communicating with multiple agencies, and dealing with the stress of defending my credit history. 
XXXX XXXX XXXX ( Acct : XXXX, High Credit : {$260.00}, Opened : XX/XX/XXXX ) Collection I dispute this debt as inaccurate. I have never received verification or a legitimate statement of this obligation. Reporting unverified debts is misleading to creditors, potentially results in higher interest rates, and causes anxiety and financial inconvenience. Under FCRA 1681i ( a ) and FDCPA 1692e, reporting agencies are required to correct or remove unverifiable debts. The false reporting has caused unnecessary stress, wasted time resolving disputes, and misrepresented my ability to responsibly manage finances. 
XXXX XXXX ( Acct : XXXX, High Credit : {$890.00}, Opened : XX/XX/XXXX ) Collection This appears to be a duplicate or erroneous entry of the previously disputed XXXX account. Duplicate reporting inflates the appearance of delinquency and misleads lenders. FCRA 1681i ( a ) and 1681e ( b ) require accurate and non-duplicative reporting. The duplicate entry has unnecessarily complicated my credit profile, causing delays in loan approvals, increased interest rates, and additional stress in managing my finances. 
XXXX ( Acct : XXXX, High Credit : {$1100.00}, Opened : XX/XX/XXXX ) Collection This is likely a duplicate or misreported version of the previously disputed XXXX XXXX account. Duplicate and unverifiable reporting misrepresents my financial history, lowering my credit score and causing stress. Under FCRA 1681i ( a ) and FDCPA 1692e ( 8 ), I have the right to dispute such items and require their correction or removal. This false reporting has caused confusion among creditors and unnecessary time and effort to clarify my true financial status. 
XXXX XXXX ( Acct : XXXX, High Credit : {$1700.00}, Opened : XX/XX/XXXX ) Collection I dispute this account as inaccurate and unverified. Reporting this debt has caused multiple rejections in loan applications, created anxiety, and misrepresented my financial responsibility. FCRA 1681i ( a ) mandates investigation of disputed items, and FDCPA 1692e prohibits reporting unverified debts. I have been forced to expend significant time and effort to dispute this item with no guarantee of timely correction, creating financial and emotional strain. 
XXXX XXXX ( Acct : XXXX, High Credit : {$4300.00}, Opened : XX/XX/XXXX ) Late Payment I dispute the reported late payment as inaccurate. I have consistently made payments according to account terms. False reporting of late payments affects my credit score, delays loan approvals, and misrepresents my financial reliability. FCRA 1681i ( a ) requires accurate reporting and correction of unverifiable negative entries. This inaccurate late payment has caused repeated rejections of applications, forced me to gather proof of payments, and imposed emotional and practical burdens. 
XXXX XXXX ( Acct : XXXX, High Credit : {$5000.00}, Opened : XX/XX/XXXX ) Charge-off This account has been falsely reported as charged-off. I have maintained or settled this account according to terms. A false charge-off damages my credit score, misrepresents my ability to manage debt, and causes undue stress and anxiety about my financial reputation. FCRA 1681i ( a ) requires verification of account status, and unverifiable charge-offs must be removed. This erroneous reporting has already caused loan delays and created unnecessary administrative burdens. 
XXXX XXXX  ( Acct : XXXX, High Credit : {$26000.00}, Opened : XX/XX/XXXX ) Charge-off This account has been falsely reported as a charge-off. I have consistently maintained this account according to the terms agreed upon. The false charge-off has led to substantial financial consequences, including the denial of mortgage refinancing, higher insurance premiums, and rejection of multiple loan applications. Beyond financial impact, this misreporting has caused ongoing emotional stress, anxiety about my financial future, and a sense of injustice as I have devoted countless hours gathering documents to prove accuracy. Under FCRA XXXX681i ( a ), I have the right to dispute unverified information, and the reporting of unverifiable debts violates FDCPA 1692e ( 8 ). This false entry misrepresents my ability to manage debt responsibly, harming both my personal and professional life. 
XXXX ( Acct : XXXX, High Credit : {$4000.00}, Opened : XX/XX/XXXX ) Charge-off This account is incorrectly reported as charged-off. I have never defaulted in a manner that would justify this status. Reporting unverified charge-offs is a violation of FCRA 1681i ( a ) and FDCPA 1692e. The false charge-off has negatively affected my credit score, caused delays and denials in loan applications, and misrepresented my reliability as a borrower. Beyond the financial consequences, this misreporting has created continuous mental and emotional strain, as I must repeatedly contact creditors, gather evidence, and attempt to rectify the false information. 
XXXX ( Acct : XXXX, High Credit : {$1700.00}, Opened : XX/XX/XXXX ) Charge-off This account has been falsely marked as charged-off. The reporting of this account is not only inaccurate but also misleads lenders into believing I have unresolved debt, impacting loan approvals and interest rates. FCRA 1681i ( a ) mandates that disputed items must be verified and corrected if found to be inaccurate. The inaccurate charge-off has resulted in financial obstacles, wasted time, and emotional distress, including anxiety over long-term creditworthiness and the inability to plan future financial decisions confidently. 
XXXX XXXX ( Acct : XXXX, High Credit : {$90.00}, Opened : XX/XX/XXXX ) Charge-off Though a small account, this charge-off has an outsized negative impact on my credit profile. Misrepresentation of even minor debts can trigger adverse effects from lenders, including higher interest rates and scrutiny of all financial applications. Under FCRA 1681i ( a ), unverifiable accounts must be removed immediately. The reporting of this false charge-off has caused unnecessary stress, fear of financial instability, and multiple hours spent disputing the record with credit bureaus. 
XXXX XXXX ( Acct : XXXX, High Credit : {$4400.00}, Opened : XX/XX/XXXX ) Late Payment The reported late payment is inaccurate. I have made all payments on time, and this false reporting misrepresents my financial responsibility. FCRA 1681i ( a ) guarantees that disputed information must be investigated and corrected. The false late payment has led to loan application delays, higher interest rate offers, and personal stress from defending my credit history. The emotional and practical burdens caused by this inaccurate report are significant, affecting my ability to plan for large financial commitments, such as homeownership or investment opportunities. 
XXXX  ( Acct : XXXX, High Credit : {$2000.00}, Opened : XX/XX/XXXX ) Charge-off I dispute this account as inaccurately reported. This false charge-off misrepresents my payment history and has caused repeated denials of credit applications, making it difficult to secure personal and business financing. FCRA 1681i ( a ) requires unverifiable negative information to be corrected or removed. The emotional toll includes stress, frustration, and the overwhelming time required to gather supporting evidence to correct these inaccuracies. 
Disputed Inquiries : XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ) I dispute these inquiries as unauthorized or inaccurately reported. Unauthorized or inaccurate hard inquiries reduce my credit score and misrepresent my credit-seeking behavior to lenders. FCRA 1681b ( c ) ensures that inquiries must be authorized, and FDCPA 1692e prohibits misleading reporting. These inaccurate inquiries have caused delays in loan approvals, increased interest rates, and substantial stress. Each unauthorized inquiry has required time-consuming investigation and correspondence with financial institutions to clarify my rights and ensure correction. The cumulative impact has been both financially and emotionally burdensome, affecting my ability to plan large-scale financial decisions confidently. 
Impact Statement : These inaccurate entries have caused : Loan and credit denials Higher interest rates on existing and future credit Increased insurance premiums Emotional distress, stress, and anxiety Wasted time and effort in gathering documentation and disputing errors Misrepresentation of my financial responsibility to lenders, employers, and institutions Action Requested : I request that the CFPB : XXXX. Investigate each disputed account and inquiry immediately. 
XXXX. Ensure that all unverifiable, inaccurate, or duplicate items are corrected or removed. 
XXXX. Provide written confirmation of the results of your investigation. 
XXXX. Ensure that reporting agencies comply with FCRA 1681i ( a ) and FDCPA 1692e ( 8 ).

These errors have caused demonstrable financial and emotional harm, and I reserve the right to pursue legal remedies if the inaccuracies are not promptly corrected.

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