Consumer complaint received 2025-08-27 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:
Dear CFPB, I am filing this complaint against the credit reporting agencies and furnishers for multiple violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). My credit file contains inaccurate, unverifiable, and misleading information that has caused me financial harm, reputational damage, and emotional distress. Despite my disputes, these items remain uncorrected. 
XXXX XXXX XXXX APT XXXX XXXX XXXX, TX XXXX Wrong Address Issue : I have never lived at this address. It is a completely incorrect association on my credit profile.Law : Under FCRA 611, I have the right to dispute inaccurate information, and you must conduct a reinvestigation and remove unverifiable data.Story : Having this address tied to my file has caused repeated embarrassment and difficulty in proving my true residency. I have lost valuable time and money because creditors and employers question why I am linked to an unfamiliar residence. This creates a false narrative of instability, making it seem like I move frequently or hide my true history, which is not the case. These false addresses make it harder for me to rent an apartment, qualify for a loan, or even prove my background to potential employers. 
XXXX XXXX High Credit : {$29000.00} Date Opened : XX/XX/XXXX Late Payment Issue : The reported late payments are inaccurate, unverifiable, and misleading. They do not reflect my actual payment history.Law : Under FCRA 1681i and 1681e ( b ), the information reported must be accurate, complete, and properly verified.Story : The reporting of late payments has drastically lowered my XXXX XXXX, which has cost me countless opportunities. For example, I was recently denied refinancing on my car loan, forcing me to remain locked into a higher interest rate. This means I am paying hundreds of dollars more each month than I should. These false lates also prevented me from being approved for a mortgage, delaying my dream of becoming a homeowner. The stress, frustration, and humiliation of explaining to creditors that these lates are not mine has taken a serious emotional toll. 
XXXX XXXX High Credit : {$100.00} Date Opened : XX/XX/XXXX Chargeoff Issue : Reported as a charge-off, but no proof of my responsibility has ever been provided.Law : Under FCRA 1681i and FDCPA 807, furnishing unverifiable information is unlawful.Story : The fact that such a tiny balance of {$100.00} is being used to label me as someone with a charge-off is outrageous. This false entry has unfairly kept me from getting approved for personal credit cards, auto loans, and better financing options. Lenders look at this report and assume I am irresponsible, when in fact the reporting is false. This has caused embarrassment in front of family and friends when I was denied credit in a store, simply because this unverifiable account is poisoning my file. 
XXXX XXXX XXXX XXXXXXXX High Credit : {$1200.00} Date Opened : XX/XX/XXXX Late Payment Issue : The alleged late payments are inaccurate and no valid proof has been provided to substantiate them.Law : Under FCRA 611 and 1681i, you are obligated to reinvestigate and delete unverifiable items.Story : These false late payments are preventing me from moving forward in life. I was recently denied an auto loan, which has left me struggling with unreliable transportation. My XXXX XXXX has dropped significantly, making every financial decision harder and more expensive. I am paying higher insurance premiums, higher interest rates, and being denied basic opportunities because of these inaccurate reports. The emotional stress of being treated as delinquent when I am not has been overwhelming. 
XXXX XXXX XXXX LL XXXX High Credit : {$530.00} Date Opened : XX/XX/XXXX Collection Issue : This collection is inaccurate and unverifiable. No signed contract or validation proving liability has been provided.Law : XXXX FCRA XXXX and FDCPA XXXX ( b ), debt furnishers must validate accounts before reporting them.Story : This small {$530.00} collection has had a disproportionate negative effect on my credit life. I was denied approval for a basic personal loan because lenders saw this collection and assumed I was irresponsible. I have had to explain myself to landlords who viewed me as a risk for rental housing. The embarrassment and stress of having to defend myself over something that is not even validated has been overwhelming. It has damaged my confidence and prevented me from pursuing financial opportunities that should have been available to me. 
Unauthorized & Excessive Inquiries XXXX XXXX XXXX XX/XX/XXXX Inquiry Story : This unauthorized inquiry made me appear like I applied for a loan. It has hurt my credibility with lenders.Law : FCRA XXXX requires inquiries to be initiated by the consumer. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Story : This inquiry falsely portrays me as applying for multiple loans. My score was lowered unfairly.Law : FCRA 604 ( a ) ( 3 ) makes unauthorized inquiries unlawful. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Story : This inquiry connects me to an auto dealer I never authorized. It made me look desperate for financing.Law : FCRA 604 ( b ) requires my written authorization for such inquiries. 
XXXX XXXX XX/XX/XXXX Inquiry Story : I never applied for this credit card, yet the inquiry remains. It lowered my score and confused creditors.Law : FCRA 604 ( a ) ( 2 ) restricts inquiries unless I directly applied. 
Damages & Relief Requested The cumulative impact of these false addresses, unverifiable accounts, charge-offs, collections, and unauthorized inquiries has caused : Loan denials ( personal, auto, housing ) Higher insurance premiums Emotional distress, embarrassment, and reputational harm Loss of financial opportunities Requested Action : Require the credit reporting agencies and furnishers to delete or correct all disputed items immediately. 
Ensure compliance with FCRA 611, 616, and 617 for reinvestigation and consumer remedies.

Investigate the unauthorized inquiries and hold furnishers accountable for FCRA 604 violations. 
Enforce penalties for continued noncompliance. 
Conclusion I respectfully request the CFPB to investigate these violations, hold the credit bureaus and furnishers accountable, and compel them to correct my credit file. I also request confirmation that these inaccurate items are permanently deleted.

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