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: TX

Complaint narrative:
b"To Whom It May Concern:\nI am submitting this complaint to dispute multiple inaccurate and unauthorized entries on my credit report that have caused substantial financial harm and emotional distress. These inaccuracies include wrong addresses, charge-offs, late payments, collections, and unauthorized credit inquiries. Under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., and related consumer protection laws, I am entitled to accurate reporting, proper investigation of disputes, and correction of errors.\nWrong Addresses:\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXnIssue: Wrong address.\nLaw: FCRA  1681i(a) requires the correction of unverifiable information.\nStory: I have never lived or conducted any transactions associated with this property. Yet, this address is incorrectly listed on my credit report, resulting in repeated misdirected notices, unnecessary investigations, and unwarranted scrutiny by lenders and collection agencies. The reporting of inaccurate addresses has caused emotional stress and tangible financial harm.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXssue: Wrong address.\nLaw: FCRA  1681i(a).\nStory: This incorrect address has caused miscommunication between creditors and me, delaying dispute resolutions and interfering with my ability to maintain accurate records. Such persistent inaccuracies are unacceptable under federal law and create ongoing risk of financial misrepresentation.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnIssue: Charge-off reported inaccurately.\nLaw: FCRA  1681s-2(b) and  1681i(a).\nStory: This account has been misreported as a charge-off despite my attempts to resolve it or dispute inaccuracies. The false charge-off has directly harmed my creditworthiness, affecting my ability to secure fair lending opportunities. The continued reporting of this account as a default is misleading and unjust.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnIssue: Charge-off.\nLaw: FCRA  1681i(a).\nStory: I have documentation that contradicts the charge-off status. Misreporting this account undermines my financial integrity and has caused unnecessary denial of credit in various financial applications. The stress and disruption caused by this erroneous reporting have been significant.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnIssue: Charge-off.\nLaw: FCRA  1681i(a).\nStory: This account has been inaccurately reported, reflecting a charge-off status that is unsupported by accurate payment records. This misrepresentation distorts my credit profile and continues to negatively influence lenders' perceptions.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nIssue: Charge-off.\nLaw: FCRA  1681s-2(b).\nStory: This charge-off is inaccurate and does not reflect the accounts actual status. Reporting this account as a default has caused repeated denial of financial services and unnecessary stress.\nLate PaymentsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nIssue: Late payment inaccurately reported.\nLaw: FCRA  1681i(a).\nStory: Documentation shows timely payments or discrepancies in reporting periods. The inaccurate late payment notation has harmed my credit score, resulted in higher interest rates, and created unwarranted financial pressure.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnIssue: Collection reported without validation.\nLaw: FCRA  1681i(a) requires validation before reporting collections.\nStory: The account was never validated before being reported. The improper reporting has damaged my financial credibility and caused undue difficulty in resolving legitimate accounts.\nUnauthorized Inquiries:\nXXXX XXXX XXXX XXXX XXXX XXXX\nIssue: Hard inquiries conducted without authorization.\nLaw: FCRA  604(a)  Credit inquiries require permissible purpose or authorization.\nStory: These inquiries were performed without my consent, impacting my credit score and causing stress and confusion in my financial management. Unauthorized inquiries diminish my control over my financial profile and constitute clear legal violations.\nI demand immediate removal or correction of all inaccurate, unverifiable, or unauthorized entries. Failure to act violates federal law and exposes the reporting agencies and creditors to legal consequences. I reserve the right to escalate this matter through additional legal channels, including complaints to the FTC, and civil remedies under FCRA for damages caused by these violations."

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