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: GA

Complaint narrative:
I am filing this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, due to numerous inaccuracies on my credit report that have caused severe financial harm, emotional distress, and unjust barriers to obtaining credit and housing. These repeated errors misrepresent my financial responsibility and violate my consumer rights.

Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX I have never resided at this address, yet it is listed on my credit report. Because of this false reporting, lenders and service providers have mistakenly associated me with debts that are not mine, causing multiple credit denials. This violates FCRA 1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy. The mental strain of seeing my identity falsely linked to unknown debts has affected my daily life, sleep, and peace of mind. 
XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX this address creates a misleading credit history. Every time I apply for credit, lenders see this incorrect address and may assume I am financially unstable or associated with unpaid debts. This has directly caused loan application denials and unjust scrutiny, violating FCRA 1681e ( b ) and 1681i. The emotional toll of this repeated misrepresentation has been significant. 
Accounts : XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$1400.00} Chargeoff This account is incorrectly reported as a charge-off. I have made attempts to resolve this directly with the bank, yet the reporting remains inaccurate. The false charge-off has caused repeated loan denials, higher insurance premiums, and financial stress. Under FCRA 1681i, I am entitled to dispute and have this corrected. Each denial and inquiry into my credit feels like a direct consequence of this negligent reporting. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXXXXXX  Balance : {$0.00} Late Payment Reporting a late payment on a XXXX balance account is incorrect and misleading. Under FCRA 1681s-2 ( b ), such inaccuracies should not appear on my report. The repeated denials and questioning by lenders have led to financial setbacks and emotional stress. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$1000.00} Collection This account is inaccurately reported as a collection. Despite attempts to clarify, the credit reporting agency has failed to conduct a reasonable investigation as required by FCRA 1681i ( a ). The result has been loan rejections, harassment from collection agencies, and frustration in trying to secure basic financial services. 
XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$610.00} Collection This false collection account has harmed my creditworthiness. Under FCRA 1681i, I am entitled to an investigation and correction, yet the agency continues to report inaccurate information. Each loan denial or higher interest rate I face is a direct consequence of this negligent reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$610.00} Collection This collection reporting is incorrect. I have no outstanding balance with this entity, and the continued reporting violates FCRA 1681e ( b ). Repeated denials for personal and professional financial services have caused frustration, loss of opportunity, and stress. 
XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$200.00} Collection This collection is reported without verification. FCRA 1681e ( b ) requires accuracy, yet this error persists. Each time I attempt to secure credit or financial services, I must explain and contest this error, causing undue burden and XXXX. 
Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry These inquiries were not authorized by me. They violate FCRA 1681b and unfairly impact my credit score, suggesting excessive credit-seeking behavior. I have experienced stress, concern about identity theft, and unwarranted questioning by lenders. 
Story and Impact : The accumulation of these inaccuracies has caused repeated loan denials, higher interest rates, and unnecessary harassment from collection agencies. False addresses misrepresent my residential history, inaccurate charge-offs and collections suggest financial irresponsibility, and unauthorized inquiries create a misleading perception of risk. These errors have negatively affected my financial stability, professional life, and mental health. Under FCRA 1681i, 1681e ( b ), and 1681s-2 ( b ), I demand immediate correction, investigation, and deletion of all inaccuracies. The law mandates that consumer reporting agencies maintain accurate and verified information. I assert my rights and expect immediate compliance to rectify these repeated 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