Consumer complaint received 2025-08-30 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:
To Whom It May Concern, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. The following accounts and inquiries are being reported inaccurately, in duplicate, or without proper validation. I dispute each account in full. These items have caused me significant financial harm, credit denials, housing issues, employment impacts, and severe emotional distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong Address I have no connection to this address. A potential landlord refused to approve my rental application because this address showed up, making it seem like I had an unstable living history. This caused me embarrassment in front of my family, who witnessed me being denied housing. Under FCRA 609 and 611, I have the right to dispute and receive proof, but no verification was provided. This has had a serious negative effect on my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This charge off was reported without validation. I was never shown a signed contract or itemized breakdown of how this balance was calculated. Because of this account, my credit score dropped significantly, and I was denied a personal loan I needed to cover medical expenses. This caused me to delay treatment, which increased my stress and health struggles. FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 809 require accurate reporting and validation, which were ignored. 
XXXX Acct : XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge off even though I dispute its accuracy. I was never properly notified or given validation. Because of this negative account, I was rejected for a small business loan that I had applied for to expand my income. The denial caused financial strain on my household, forcing me to borrow from friends and family, which damaged my personal relationships. Under FCRA 602 ( a ), inaccurate reporting destroys trust in the credit system, and that is exactly what happened to me. 
XXXX Acct : XXXX Date Opened : XX/XX/XXXX High Balance : {$390.00} Charge Off This small account continues to cause large damage. Even though it is reported as a charge off, no proof or validation has been provided. Because of this, my score was lowered, which led to me paying a much higher interest rate on my auto loan than I should have. Over the life of the loan, this costs me thousands of extra dollars. FCRA 611 ( a ) ( 5 ) requires deletion of unverifiable accounts, but the bureaus have failed to act. 
XXXX Acct XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off This account is reported inaccurately. No original agreement has been shown, and no validation provided. Because of this false reporting, I lost a job opportunity after the employers background check flagged this account. I felt ashamed and defeated because this error cost me a chance at better employment. FDCPA 807 ( 8 ) prohibits furnishers from providing false or misleading information, yet this continues to happen. 
XXXX Acct : XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off This charge off has never been validated. The reporting is misleading and harmful. I was denied a credit card application because of this account, which limited my ability to build positive credit history. I also had to rely on payday loans at extremely high interest rates, which pushed me deeper into financial stress. FCRA 609 ( c ) ( 1 ) ( E ) guarantees the right to documentation, but I never received it. 
XXXX XXXX XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge off, but I never received any proper validation or itemized accounting of this debt. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report accurately, and under FDCPA 809, I have a right to debt validation. Because of this charge off, I was denied a store credit card when I applied to build positive history. This denial was humiliating and limited my financial growth. It also forced me to use cash advances from other accounts, which increased my debt burden and stress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$510.00} Date Opened : XX/XX/XXXX Charge Off This account is disputed in full. No proof of ownership or signed agreement was ever provided. The balance is small, yet it has had a devastating effect on my credit profile. Because of this charge off, I was denied financing for necessary home repairs, which left me in unsafe living conditions longer than necessary. Under FCRA 609 and 611, I am entitled to verification, and without it, this item must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3100.00} Date Opened : XX/XX/XXXX Charge Off This account is reported as a charge off without proper documentation. I dispute it completely. Because of this account, my score dropped, and I was denied a rental application. The landlord viewed me as high risk because of this charge off, and I was left scrambling to find housing. This created stress for me and my family. Under FDCPA 807 ( 8 ), furnishers are prohibited from reporting false credit information, yet this violation continues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off It is unreasonable and inaccurate to report a charge off with a high balance of {$0.00}. This makes no logical sense and proves the reporting is unreliable. Because of this misleading account, I was denied a credit limit increase that I needed for emergency expenses. This denial trapped me in financial hardship, forcing me to borrow money from friends and family and causing embarrassment. Under FCRA 607 ( b ), the bureaus must maintain maximum accuracy, and this reporting is clearly inaccurate. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$3300.00} Date Opened : XXXX  Charge Off This account is inaccurately reported and has never been properly validated. Because of this charge off, I was denied a business loan that I had applied for to expand my income opportunities. This not only hurt me financially but also prevented me from improving my familys living conditions. The ongoing damage has caused stress, sleepless nights, and humiliation. FCRA 623 ( a ) ( 1 ) ( A ) requires accuracy, and FDCPA 807 prohibits misrepresentation. This item must be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Charge Off This account is disputed in full. The reported balance and charge off status have never been validated. Because of this negative account, my auto loan application was rejected, forcing me to continue driving an unreliable vehicle. This caused ongoing stress and safety concerns for my family. The furnisher is in violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3000.00} Date Opened : XX/XX/XXXX Charge Off This appears to be a duplicate entry of the previous account, which is misleading and damaging. Duplicate reporting inflates negative information and severely impacts my credit score. Because of this duplication, I was denied housing and had to settle for a less desirable rental, which was humiliating and stressful. FCRA 607 ( b ) requires maximum possible accuracy, and duplicate reporting violates that standard. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$440.00} Date Opened : XX/XX/XXXX Charge Off This account is reported inaccurately. I never received full proof or itemized validation. The balance is small, but the impact is large. Because of this charge off, I was denied a personal loan that I needed to cover emergency expenses. I was forced to borrow from family, which caused strain and embarrassment. Under FDCPA 807, misrepresentation is prohibited, and under FCRA 611 ( a ) ( 5 ), unverifiable items must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$31000.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments, which I dispute. No proper records or validation were provided to me. Because of this reporting, my mortgage pre-approval was delayed, and I lost out on a home that I wanted to purchase for my family. The emotional toll of this denial was devastating. Under FCRA 623 ( a ) ( 1 ), furnishers must report accurately, and unverifiable late payments can not remain. 
XXXX XXXX XXXX XXXX  XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX This charge off has never been validated. Because of this account, I was denied a consolidation loan that could have helped me manage my debts responsibly. Instead, I was forced to juggle multiple high-interest payments, causing extreme financial stress. This inaccurate reporting has kept me trapped in debt. FCRA 609 ( c ) ( 1 ) ( E ) guarantees my right to documentation, which has not been provided. 
XXXX Acct : XXXX High Balance : {$38000.00} Date Opened : XX/XX/XXXX Late Payment This account is reported with late payments, which I dispute. I was never provided complete proof or a proper history of these alleged late payments. Because of this reporting, my insurance company raised my premium after reviewing my credit, costing me significantly more money each month. This is unfair and harmful. Under FCRA 611 and 607 ( b ), inaccurate reporting must be corrected or deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} Date Opened : XX/XX/XXXX Late Payment This account shows late payments that I dispute entirely. No full documentation was provided to me. Because of this, I was denied a small student loan that I needed to complete a training course for better employment. Losing this opportunity has held me back professionally and financially. The furnisher is in violation of FCRA 623 and FDCPA 807 for reporting unverifiable information. 
XXXX Acct : XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Charge Off This account is disputed in its entirety. No validation or itemized accounting has been provided to me. Because of this charge off, I was denied financing for furniture and basic household needs, which forced me to delay necessary purchases for my home. This created stress and embarrassment for me in front of my family. FCRA 623 ( a ) ( 1 ) ( A ) requires accuracy in reporting, and FDCPA 809 requires proper validation, which I never received. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$340.00} Date Opened : XX/XX/XXXX Late Payment This account is reported with late payments that I dispute. No proper payment history or documentation has been given to me. Because of this negative reporting, I was denied a small personal loan for emergency expenses. The denial forced me to postpone urgent costs and borrow from family, which caused stress and humiliation. Under FDCPA 807, misrepresentation is unlawful, and FCRA 611 requires deletion of unverifiable late payments. 
XXXX XXXX XXXX XXXX High Balance : {$390.00} Date Opened : XX/XX/XXXX Collection This account is inaccurately reported. I never received documentation or validation. Because of this collection, I was denied a rental property I applied for, which forced my family to live in less suitable housing. This caused emotional and logistical stress, particularly for my children. FCRA 607 ( b ) and 611 ( a ) mandate accurate reporting, which was not followed. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$940.00} Date Opened : XX/XX/XXXX Collection This collection account is disputed in its entirety. No verification has been provided. Because of this negative item, I was denied a small business loan, limiting my ability to expand income opportunities. The financial setback and humiliation caused significant personal stress. Under FDCPA 807 and FCRA 611, unverifiable items can not remain on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection This account is reported inaccurately. I never received proof of ownership or proper validation. Due to this item, I was forced to pay higher interest on existing loans, which caused additional financial hardship and stress for my family. FCRA 609 and FDCPA 809 require verification before reporting, which was not provided. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$460.00} Date Opened : XX/XX/XXXX Collection This account is disputed in full. No supporting documents were given. Because of this negative entry, I was denied a credit card increase that would have helped manage urgent expenses. I had to borrow from friends and family, causing emotional strain and embarrassment. Under FCRA 607 ( b ), maximum accuracy is required, yet this item is unverifiable. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$390.00} Date Opened : XX/XX/XXXX Collection This appears to be a duplicate of a previous account, which is misleading and damaging. Duplicate reporting inflates negative information and unfairly lowers my credit score. Because of this duplicate, I was denied a small personal loan for emergency medical expenses, which created severe stress and hardship. FCRA 611 ( a ) ( 5 ) requires deletion of unverifiable or duplicate items. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$360.00} Date Opened : XX/XX/XXXX Collection This account is reported without proper validation. I dispute it completely. Because of this collection, my mortgage pre-approval was delayed, costing me a housing opportunity. The emotional and financial impact was significant, affecting my familys security. Under FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807, inaccurate reporting is illegal and must be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Collection This collection is reported without proper validation. I never received proof of ownership or a signed agreement. Because of this negative reporting, I was denied a personal loan, which forced me to take high-interest alternatives, causing financial and emotional stress. FCRA 611 ( a ) requires deletion of unverifiable items. 
XXXX XXXX XXXX XXXX XXXX  High Balance : {$860.00} Date Opened : XX/XX/XXXX Collection This account is disputed entirely. No documentation or validation has been provided. Because of this, I was denied approval for a car loan that I needed for transportation to work, causing inconvenience, stress, and potential income loss. FCRA 623 ( a ) ( 1 ) ( A ) requires accurate reporting. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$530.00} Date Opened : XX/XX/XXXX Collection This collection account is unverified and inaccurate. Due to this, I was denied approval for a rental property, forcing my family into less suitable housing. This created undue stress and logistical challenges for my household. FDCPA 807 prohibits reporting unverified debts. 
Hard Inquiries XXXX OF XXXX, XXXX, XXXX, XXXX XXXX All the inquiries listed above are unauthorized and/or were conducted without my explicit consent. These hard inquiries have negatively impacted my XXXX XXXX, leading to loan denials, higher interest rates, and increased financial costs. Under FCRA XXXX ( a ), each hard inquiry requires permissible purpose, which was not met in some instances. I dispute the validity of all these inquiries and request their removal. 
Conclusion All above accounts and inquiries are inaccurate, unverifiable, duplicated, or unauthorized. Their presence has caused : Loan and credit denials Housing application rejections Employment and business opportunity loss Higher interest rates on valid accounts Family stress and emotional distress Under FCRA and FDCPA, unverifiable, duplicate, or unauthorized reporting must be deleted immediately. I demand prompt action and reserve my right to escalate through legal and regulatory channels if unresolved.

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