Consumer complaint received 2025-08-22 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 regarding inaccurate and harmful reporting on my credit file. These inaccuracies violate my rights 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 errors below have caused significant harm to my creditworthiness, financial opportunities, and peace of mind. I demand immediate investigation, correction, and deletion of all unverifiable and incorrect information. 
Account : XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Applicable Law : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ensures accurate reporting of consumer credit information Story : This account has been falsely reported as late multiple times despite my consistent timely payments. The false reporting has caused severe emotional distress, anxiety about my financial stability, and disruption in planning my finances. Due to this inaccuracy, I have faced challenges in obtaining loans, credit approvals, and even rental agreements. Each false entry impacts my creditworthiness, and the repeated reporting without verification demonstrates a clear violation of FCRA guidelines. Immediate removal or correction is necessary to prevent further harm. 
Account : XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Late Payment Applicable Law : FCRA 15 U.S.C. 1681i right to dispute inaccurate information Story : This account shows late payments inaccurately, causing me financial and emotional stress. Despite submitting disputes, no correction has been made. The negative reporting has led to higher insurance rates, difficulty in securing credit, and unnecessary anxiety. Federal law requires that unverifiable or false entries be corrected immediately, yet XXXX XXXX has neglected this obligation, violating my rights. Immediate correction is required. 
Account : XXXX XXXX High Balance : {$320.00} Date Opened : XX/XX/XXXX Issue : Chargeoff Applicable Law : FDCPA 15 U.S.C. 1692 prohibits unfair, deceptive, and abusive collection practices Story : XXXX has reported this account as charged off without proper notice or validation, causing significant credit damage and emotional stress. The inaccurate reporting has affected my ability to obtain essential financial services, forced me to spend time disputing errors, and caused anxiety about my financial future. Federal law mandates verification and accurate reporting before reporting any charge-off. I demand immediate correction or removal. 
Account : XXXX XXXX XXXX High Balance : {$880.00} Date Opened : XX/XX/XXXX Issue : Chargeoff Applicable Law : FCRA 15 U.S.C. 1681 right to dispute inaccurate entries Story : The charge-off on this account is inaccurate and continues to harm my credit score, affecting my ability to secure fair loan terms. I have repeatedly contacted the creditor to dispute this error, yet it persists. This repeated inaccuracy constitutes a violation of federal law and has caused financial hardship and stress. Immediate removal or correction is necessary. 
Account : XXXX  XXXX XXXX High Balance : {$900.00} Date Opened : XX/XX/XXXX Issue : Chargeoff Applicable Law : FDCPA 15 U.S.C. 1692 debt validation and accurate reporting Story : This account has been charged off inaccurately without providing proper validation. The reporting has led to negative credit consequences, emotional distress, and limited access to financial opportunities. XXXX XXXX has neglected its obligation to ensure accurate reporting under federal law. Immediate investigation, validation, and correction are demanded. 
Account : XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Chargeoff Applicable Law : FCRA 15 U.S.C. 1681i ensures accurate reporting of consumer credit Story : This account was charged off inaccurately, resulting in serious harm to my credit reputation and financial well-being. Repeated attempts to dispute the entry have been ignored. Federal law requires that any unverifiable or inaccurate reporting be removed or corrected. Immediate action is necessary to restore accurate reporting and mitigate further financial and emotional harm. 
Account : XXXX XXXXXXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Issue : Chargeoff Applicable Law : FDCPA 15 U.S.C. 1692 prohibits unfair collection practices Story : This account was reported as charged off inaccurately. The negative reporting has caused undue stress, embarrassment, and financial setbacks. It has impacted my ability to obtain credit, maintain financial stability, and manage personal obligations. Federal law requires that any incorrect reporting be corrected, validated, or removed. Immediate rectification is necessary.

Account : XXXX XXXX High Balance : {$910.00} Date Opened : 01/XX/XX/XXXX Issue : Chargeoff Applicable Law : FCRA 15 U.S.C. 1681 right to dispute inaccurate entries Story : The charge-off is reported inaccurately and continues to harm my creditworthiness. This reporting has caused emotional distress, financial limitations, and difficulties in accessing financial services. Federal consumer protection law mandates accurate reporting, and this account must be corrected or deleted immediately. 
Account : XXXX XXXXXXXX High Balance : {$380.00} Date Opened : XX/XX/XXXX Issue : Chargeoff Applicable Law : FDCPA XXXX5 U.S.C. 1692 debt verification requirement Story : XXXX reported this account as charged off without proper verification. The inaccurate reporting has caused emotional stress, financial strain, and credit damage. Immediate investigation and removal of this entry are required under federal law. 
Account : XXXX  XXXX XXXX High Balance : {$480.00} Date Opened : XX/XX/XXXX Issue : Chargeoff Applicable Law : FCRA 15 U.S.C. 1681 ensures accurate reporting Story : XXXX XXXX charged off this account without proper validation. The false reporting has caused financial harm, emotional stress, and barriers to accessing loans and essential services. Immediate correction or deletion is required to comply with federal law. 
Account : XXXX XXXXXXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Applicable Law : FCRA 15 U.S.C. 1681 ensures accurate reporting of consumer credit information Story : This account has been falsely reported with late payments despite timely payments. The repeated inaccurate reporting has caused financial and emotional hardship, including stress about my ability to secure credit, unnecessary anxiety about my financial reputation, and limited access to essential financial services. Each false entry impacts my creditworthiness, affecting loan approvals and insurance rates. The continued negligence violates FCRA requirements, which mandate that all information must be accurate and verifiable. I demand immediate correction or removal to restore my credit standing. 
Account : XXXX XXXX XXXX High Balance : {$20000.00} Date Opened : XX/XX/XXXX Issue : Late Payment Applicable Law : FCRA 15 U.S.C. 1681i right to dispute inaccurate information Story : XXXX XXXX has reported multiple late payments that are inaccurate, which has caused severe emotional stress, sleepless nights, and anxiety about financial stability. This has prevented me from accessing fair loan terms, securing rental housing, and has negatively affected my professional opportunities. Despite repeated disputes, the inaccurate reporting persists, showing a violation of federal law. XXXX investigation and correction are required to prevent further damage. 
Account : XXXX XXXX  XXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Issue : Chargeoff Applicable Law : FDCPA 15 U.S.C. 1692 prohibits unfair, deceptive, and abusive collection practices Story : XXXX XXXX inaccurately reported this account as charged off without proper validation. This false reporting has significantly damaged my credit score, caused financial setbacks, and led to emotional distress. I have spent considerable time and resources disputing this entry with no resolution. The law requires that all reported charge-offs must be accurate and verified. Immediate removal or correction is demanded to prevent ongoing harm and to comply with federal regulations. 
Account : XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Issue : Chargeoff Applicable Law : FCRA 15 U.S.C. 1681 right to dispute inaccurate or unverifiable information Story : XXXX XXXX reported this account as charged off inaccurately, causing undue stress, credit damage, and financial strain. The inaccurate reporting affects my ability to access loans, secure favorable financial terms, and plan for my financial future. I demand immediate validation or removal under federal law to prevent continued harm. 
Account : XXXX XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Issue : Collection Applicable Law : FDCPA 15 U.S.C. 1692 debt validation requirement Story : XXXX XXXX reported this account without proper validation, causing undue financial stress and emotional distress. The false reporting affects my ability to access loans and manage my financial obligations responsibly. Federal law requires verification before reporting such entries. Immediate action is required. 
Account : XXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Collection Applicable Law : FCRA 15 U.S.C. 1681 right to dispute inaccurate reporting Story : XXXX XXXX inaccurately reported this account, causing stress, financial harm, and damage to my credit. Federal law mandates that unverifiable entries must be corrected or removed. Immediate correction or deletion is demanded. 
Account : XXXX XXXXXXXX High Balance : {$2100.00} Date Opened : XX/XX/XXXX Issue : Chargeoff Applicable Law : FDCPA 15 U.S.C. 1692 prohibits unfair or deceptive collection practices Story : XXXX inaccurately reported this account as a chargeoff, causing undue stress, financial harm, and credit score reduction. Despite repeated disputes, no correction has been made. Federal law requires that all charge-offs must be accurate and properly validated. I demand immediate investigation, correction, or removal to prevent further harm. 
Account : XXXX XXXX High Balance : {$320.00} Date Opened : XX/XX/XXXX Issue : Collection Applicable Law : FDCPA 15 U.S.C. 1692 debt validation requirement Story : XXXX reported this account as in collection without proper verification. This false reporting has caused emotional stress, financial setbacks, and negatively affected my credit reputation. Federal law mandates validation before reporting. Immediate removal or correction is required. 
Account : XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Issue : Collection Applicable Law : FCRA 15 U.S.C. 1681i right to dispute inaccurate information Story : XXXX XXXX XXXX reported this account inaccurately, causing undue financial stress, emotional distress, and significant credit damage. Duplicate and false reporting violates my rights under FCRA. Immediate investigation and correction or deletion is required. 
Account : XXXXXXXX XXXX XXXXXXXX High Balance : {$910.00} Date Opened : XX/XX/XXXX Issue : Collection Applicable Law : FDCPA 15 U.S.C. 1692 prohibits false or unfair collection practices Story : XXXX XXXX reported this account in collection multiple times without proper verification. The inaccurate reporting has caused financial hardship, stress, and negative impact on my credit score. Federal law requires immediate correction or deletion of unverifiable entries. 
Account : XXXX XXXX XXXXXXXX High Balance : {$350.00} Date Opened : XX/XX/XXXX Issue : Collection Applicable Law : FDCPA XXXX XXXX. XXXX debt validation required XXXX : XXXX XXXX XXXX reported this account without proper verification. The false collection reporting has caused stress, emotional distress, and credit damage. Immediate investigation and removal are required to comply with federal law. 
Account : XXXX XXXX High Balance : {$2900.00} Date Opened : XX/XX/XXXX Issue : Collection Applicable Law : FCRA 15 U.S.C. 1681i ensures accurate credit reporting Story : This account has duplicate and inaccurate collection entries, causing significant financial and emotional hardship. Federal law mandates immediate correction or deletion to prevent ongoing harm to my creditworthiness. 
Account : XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Issue : Collection Applicable Law : FDCPA 15 U.S.C. 1692 prohibits unlawful collection practices Story : XXXX XXXX has been reported multiple times inaccurately as in collection. This has caused severe stress, financial damage, and credit harm. Immediate correction or removal is required under federal law. 
Account : XXXX XXXX XXXXXXXX High Balance : {$1900.00} Date Opened : XX/XX/XXXX Issue : Collection Applicable Law : FDCPA 15 U.S.C. 1692 debt validation requirement Story : XXXX XXXX reported this account without proper verification, causing stress, credit damage, and financial hardship. Immediate correction or removal is required to prevent further damage. 
Account : XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Issue : Collection Applicable Law : FDCPA 15 U.S.C. 1692 debt validation required Story : XXXX reported this account inaccurately in collection, causing emotional distress, financial harm, and credit damage. Federal law requires accurate and verified reporting. Immediate removal or correction is demanded. 
Account : XXXX XXXX XXXX High Balance : {$870.00} Date Opened : XX/XX/XXXX Issue : Collection Applicable Law : FDCPA 15 U.S.C. 1692 prohibits unfair collection practices Story : XXXX Associates reported this account without validation, causing undue stress, emotional distress, financial damage, and harm to my credit score. Immediate removal or correction is required. 
XXXX XXXX XX/XX/XXXX Issue : Duplicate inquiry reported ; unauthorized. 
Law : FCRA Sections 609, 611 right to dispute and remove inaccuracies. 
Story : Duplicate inquiries for the same date and entity show negligence and non-compliance with credit reporting laws, further harming my credit standing. 
XXXX XXXXXX/XX/XXXX Issue : Inquiry listed without my knowledge.

Law : FCRA Section 604 ( a ) requires consumer consent. 
Story : XXXX XXXX performed a hard inquiry I did not authorize, resulting in negative credit effects. 
XXXX XXXXXX/XX/XXXX Issue : Unauthorized credit report inquiry. 
Law : FCRA Section 604 ( a ), Section 611 right to dispute inaccuracies.

Story : This inquiry is fraudulent, improperly reported, and impacts my creditworthiness. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry reported without my knowledge. 
Law : FCRA Sections 604 ( a ) and 607. 
Story : Unauthorized access to my credit report by XXXX XXXX XXXX negatively impacts my credit history and trust in credit reporting. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry without permissible purpose. 
Law : FCRA Sections 604 ( a ), 611. 
Story : XXXX XXXX XXXX accessed my credit without my approval, harming my credit reliability. 
XXXX XXXX XXXX XX/XX/XXXX Issue : Inquiry without consent. 
Law : FCRA Section 604 ( a ).

Story : Unauthorized reporting by XXXX XXXX XXXX has created false impressions of credit activity. 
Conclusion These errors constitute clear violations of my consumer rights under FCRA and FDCPA. They are causing ongoing financial harm, emotional distress, and denial of opportunities. I request the CFPB to compel the credit reporting agencies and furnishers to investigate, delete unverifiable items, and ensure strict compliance with federal law.

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