Consumer complaint received 2025-09-02 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 formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ) regarding multiple unlawful and inaccurate entries on my credit report. These items include collections and unauthorized hard inquiries that have harmed my creditworthiness, caused financial loss, and created severe XXXX XXXX I am demanding immediate investigation and permanent correction. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This is not my address and I have never lived there. The inclusion of this address creates the false impression that I may have resided there, which connects me unfairly to debts and obligations that are not mine. Under FCRA 1681e ( b ) consumer reporting agencies must ensure maximum possible accuracy, yet they have reported information without proper verification. Because of this false address I have been subjected to unnecessary denials and suspicious treatment from lenders who questioned my residency history. This has damaged both my financial standing and my personal reputation. 
XXXX XXXX XXXX XXXX High Balance {$300.00} Date Opened XX/XX/XXXX Late Payment This account is reporting late payments inaccurately. I have made good faith efforts to maintain my payments and even during periods of financial hardship I reached out to creditors for assistance. Instead of working with me, they reported damaging late payments that were not fully accurate. This has directly lowered my credit score and resulted in higher interest rates on auto loans and credit cards. Under FCRA 1681s-2 creditors must report with complete accuracy, and this has not been done. The continued reporting of these lates is unfair, misleading, and harmful. 
XXXX XXXXXXXX XXXX XXXX High Balance {$650.00} Date Opened XX/XX/XXXX Late Payment This account reflects late payments that are not accurate. I have disputed them yet the furnisher failed to provide full validation as required under FCRA 1681i ( a ) ( 1 ). Because of these false late payments I was recently denied approval for an apartment lease, which caused extreme hardship for me and my family. The stress of being unable to secure stable housing due to inaccurate reporting is devastating. The law requires creditors to ensure fairness, and this reporting is unlawful and abusive. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$850.00} Date Opened XX/XX/XXXX Charge Off This account is showing as a charge-off without proper validation. I never received lawful validation notices as required by FDCPA 809. I was misled into believing this account was resolved, yet it continues to appear as charged-off. This false information is damaging my financial future by painting me as irresponsible when in fact I made good faith attempts to resolve my obligations. This is abusive, unlawful, and must be deleted immediately. 
XXXX XXXXXXXX XXXX XXXX High Balance {$6500.00} Date Opened XX/XX/XXXX Charge Off This account is also reporting as a charge-off. The furnisher has failed to provide any proof of ownership or accurate validation. Instead, they continue to harm me by keeping this charge-off on my credit file. Because of this account I was denied approval for a mortgage loan which prevented me from purchasing a home for my family. The emotional toll of being unable to provide secure housing is devastating. This reporting is unlawful, misleading, and in direct violation of FCRA 1681i ( a ) and FDCPA 809. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  High Balance {$28000.00} Date Opened XX/XX/XXXX Late Payment This account is reporting repeated late payments inaccurately. I always made efforts to communicate with the creditor during times of financial hardship but instead of working with me they chose to damage my credit. This has directly affected my ability to refinance and obtain fair housing. Reporting inaccurate late payments violates FCRA 1681s-2 and has caused serious harm to my financial stability. 
XXXX XXXX XXXXXXXX XXXX XXXX  High Balance {$43.00} Date Opened XX/XX/XXXX Charge Off This charge-off is highly misleading. A {$43.00} balance should never have escalated to such a damaging negative mark. This is disproportionate, unfair, and violates the principle of maximum possible accuracy under FCRA 1681e ( b ). Because of this entry my score dropped and I was humiliated when applying for credit. This reporting is unlawful and must be deleted immediately. 
XXXX XXXXXXXX XXXX XXXX  High Balance {$890.00} Date Opened XX/XX/XXXX Collection This collection account is inaccurate and unvalidated. I never received proper communication from XXXX, and no proof of ownership was provided. Instead, they are harming me by reporting false information. Because of this collection I have been denied fair housing opportunities and suffered emotional distress. This is a violation of both FCRA and FDCPA. 
XXXX XXXX XXXXXXXX XXXX XXXX  High Balance {$580.00} Date Opened XX/XX/XXXX Collection This is another collection reported without validation. XXXX has failed to provide documentation proving I owe this debt. Yet it continues to damage my credit file and my reputation. Because of this account I was denied access to reasonable financing options and subjected to unfair treatment by creditors. This violates FCRA 611 and FDCPA 809. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$1200.00} Date Opened XX/XX/XXXX Collection This collection account is inaccurate and unverifiable. I never received proper validation notices as required by FDCPA 809. Reporting a collection without proof of ownership or debt validation is unlawful. Because of this reporting I was denied access to fair lending and had to pay higher interest rates, causing ongoing financial damage. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$320.00} Date Opened XX/XX/XXXX Collection This collection is being reported without validation. I have disputed this item, but no documentation proving the debt was ever provided. Reporting an unverifiable collection is a violation of FCRA 1681e ( b ). Because of this item, I lost access to credit-building opportunities and was unfairly treated by creditors who relied on this inaccurate information. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This hard inquiry is unauthorized and continues to harm my credit score. I did not seek credit with this company on that date. This violates FCRA permissible purpose rules. 
XXXX XX/XX/XXXX Inquiry This inquiry is another unauthorized pull. Multiple inquiries from this creditor show a pattern of abuse and negligence. This is damaging, unlawful, and must be removed immediately. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX Inquiry This inquiry is unauthorized and misleading. I never consented to XXXX XXXX XXXX pulling my report. Reporting agencies are allowing inaccurate inquiries in violation of FCRA. 
XXXX XXXX XXXX  XX/XX/XXXX Inquiry This inquiry is another violation. I did not authorize XXXX XXXX to access my file. Their action directly violated FCRA permissible purpose laws and harmed my credit profile. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry is unauthorized and damaging. I never requested or applied for credit with XXXX XXXX on that date. Allowing this inquiry to remain is a violation of my consumer rights under FCRA. 
I request the CFPB investigate these matters immediately. Under FCRA and FDCPA, I am entitled to accurate reporting, protection from unauthorized inquiries, and fairness in credit reporting. All unverifiable collections and unauthorized inquiries must be permanently deleted to restore my consumer rights.

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