Consumer complaint received 2025-09-25 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:
I am submitting this complaint regarding multiple inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, which requires credit reporting agencies to maintain accurate, complete, and verifiable information. The items listed below are reported incorrectly or without proper verification, causing significant harm to my creditworthiness, financial stability, and personal well-being. 
XXXX XXXX XXXX, TX XXXX Wrong Address This address has never been associated with me and its inclusion in my credit report constitutes a false statement and misrepresentation of my personal information. Reporting incorrect addresses violates FCRA Section 1681e ( b ), which mandates accuracy of information. The presence of this incorrect address has caused confusion with creditors, led to delayed account verifications, and caused potential misdirected legal notices. I have been forced to spend countless hours contacting lenders and credit bureaus to clarify that I do not reside at this location. This misreporting has directly affected my ability to secure loans, delayed my application for housing, and caused significant emotional distress knowing that inaccurate personal information is being circulated and relied upon in financial decisions. 
XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Collection This collection is inaccurate and unverified. I have never received proper notification of this debt nor had any legitimate dealings with XXXX XXXX Reporting unverified collections violates FCRA Section 1681i ( a ), which requires credit bureaus to conduct a reasonable investigation within 30 days. The presence of this incorrect collection has caused repeated calls from collection agencies, disrupted my peace of mind, interfered with my financial planning, and unfairly lowered my XXXX XXXX. Each time I attempt to apply for credit, I must explain and prove that this collection is false, costing me time, energy, and credibility. 
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : {$610.00} Date Opened : XX/XX/XXXX XXXX This account is similarly unverified. I have no records, correspondence, or agreements that justify this collection status. Reporting such false information is a clear violation of my rights and has caused me significant distress. I have faced multiple rejections in credit applications, experienced unnecessary anxiety about potential legal repercussions, and had my financial stability questioned by institutions due to this inaccurate reporting. The burden of correcting this error falls entirely on me despite it being a violation of FCRA obligations, creating a sense of helplessness and frustration. 
XXXX XX/XX/XXXX XXXX This hard inquiry was unauthorized and conducted without my consent. Under FCRA Section 604 ( a ) ( 3 ) ( A ), a consumer reporting agency XXXX only furnish a report when there is a permissible purpose. This inquiry does not meet any permissible purpose and constitutes an illegal access of my credit information. The unauthorized inquiry has negatively impacted my XXXX XXXX and could mislead lenders into assuming I am seeking additional credit aggressively. The stress of dealing with unapproved inquiries, combined with my ongoing efforts to clarify other inaccuracies, has compounded my anxiety and affected my trust in the financial system. 
I demand the immediate deletion or correction of all inaccurate, unverified, and unauthorized entries listed above. Failure to comply XXXX result in further legal remedies under the FCRA and applicable state laws. These errors have caused tangible financial harm, emotional distress, and damage to my credit reputation. I request written confirmation once the investigations are completed and corrections are made. 
I am providing supporting documentation that verifies my correct addresses, communications regarding disputed accounts, and evidence of unauthorized inquiries. I insist that the credit bureaus comply fully with the FCRA and cease reporting false, misleading, or unverified information.

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