Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies on my credit report that have caused severe financial, emotional, and professional harm. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I have the right to dispute inaccurate, misleading, or unverifiable information. Despite my attempts to address these issues, the following items remain unresolved, causing ongoing distress and disruption to my daily life. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Wrong Address ( Reported XX/XX/XXXX ) I have never resided at this address. This false listing led to a situation where a debt collector contacted me for an account I never opened. I had to spend hours gathering documents and emails to dispute this, taking time away from my job and family. This caused XXXX, emotional distress, and interrupted my ability to focus at work. FCRA 1681c-2 ( a ) mandates maximum accuracy in reporting, yet this false entry continues to disrupt my life and financial planning. 
XXXX XXXX XXXXXXXX High Credit : {$14000.00} Date Opened : XX/XX/XXXX Late Payment This late payment is incorrect. I have consistently paid on time. Due to this false reporting, a personal loan I urgently needed was denied, delaying important life plans. It caused embarrassment when explaining the situation to my bank and additional stress in managing monthly bills. FCRA XXXX ( a ) requires accurate reporting ; FDCPA 1692e prohibits false representation. The repeated XXXX, sleepless nights, and financial uncertainty caused by this error are severe. 
XXXX XXXX XXXX XXXX High Credit : {$680.00} Date Opened : XX/XX/XXXX Collection This collection account is invalid. I have never owed this debt. Reporting a false collection violates FDCPA 1692e. The consequences include repeated collection calls, emotional distress, sleepless nights, and interference with professional responsibilities. It has caused embarrassment, XXXX, and a sense of helplessness while trying to maintain my financial reputation. 
XXXX  XXXX High Credit : {$14000.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is false. I have fulfilled all obligations. Reporting a false charge-off violates FCRA 1681s-2 ( b ). It has prevented me from securing loans, delayed credit card approval, and caused repeated inquiries by financial institutions. The psychological impact includes XXXX, fear of financial instability, and loss of confidence in my ability to manage finances effectively. 
XXXX XXXX XXXX XXXX : {$610.00} Date Opened : XX/XX/XXXX XXXX This collection account is false. Accurate reporting is required under FCRA 1681i. The erroneous listing has already impacted my ability to open new accounts, caused professional embarrassment, and created unnecessary stress while disputing the account with creditors. 
XXXX XXXX XXXX XXXX : {$990.00} Date Opened : XX/XX/XXXX Collection This account is falsely reported as a collection. I have never owed this debt. Due to this error, I received repeated harassing calls and letters, causing emotional distress and XXXX. I was forced to spend hours compiling evidence to prove this account was invalid, taking time away from work and family. This misreporting disrupted my ability to secure a personal loan for urgent expenses, delayed important financial decisions, and caused embarrassment when explaining the situation to creditors. FCRA 1681i ( a ) and FDCPA XXXX require accurate reporting, yet this harmful error remains. 
XXXX XXXX  XXXX High Credit : {$660.00} Date Opened : XX/XX/XXXX Collection This account is erroneously reported as a collection. I dispute this item. Because of this false reporting, I faced denial of credit applications, increased scrutiny from financial institutions, and repeated stress in clarifying my creditworthiness. Professionally, I was distracted from work duties due to the repeated time and mental energy required to dispute this account. Emotionally, I have experienced sleepless nights, XXXX, and loss of confidence. FCRA 1681i mandates proper investigation of disputed items, which is overdue. 
XXXX XXXX XXXX XXXXXXXX High Credit : {$60.00} Date Opened : XX/XX/XXXX Collection This collection entry is false. I have never had a debt obligation with this entity. The repeated calls and letters have caused disruption to daily life, emotional distress, and XXXX, affecting my ability to focus on work and family. Misreporting violates FDCPA 1692e and FCRA 1681s-2 ( b ). Financially, the error delayed small purchases and caused stress over potential impact on my creditworthiness. 
XXXX XXXX XXXX XXXX High Credit : {$950.00} Date Opened : XX/XX/XXXX Collection This account is falsely reported as a collection. I have never owed this debt. The error caused loan denials, difficulty opening new accounts, and harassment from collections agencies. I had to spend extensive time and emotional energy to gather documentation and dispute the account, creating frustration and XXXX. FCRA 1681i mandates proper investigation and removal of unverifiable accounts. 
XXXX XXXX XXXX XXXX High Credit : {$540.00} Date Opened : XX/XX/XXXX Collection This account is incorrectly listed as a collection. I have no outstanding obligation with this creditor. Misreporting violates FDCPA 1692e and FCRA 1681s-2 ( b ). Repeated calls and letters caused embarrassment in professional settings, stress, and XXXX. Financially, it delayed access to loans and affected my ability to manage monthly obligations. Emotionally, I have suffered sleepless nights and constant worry over misrepresentation of my financial responsibility. 
XXXX XXXX XXXX High Credit : {$0.00} Date Opened : XX/XX/XXXX Charge Off This account is erroneously reported as a charge-off. I have no outstanding debt with this credit union. As a result, I faced loan denials and extra scrutiny from lenders. Emotional impacts include sleepless nights, panic over delayed applications, and ongoing stress while gathering documentation to dispute the account. Misreporting violates FCRA 1681s-2 ( b ), and the disruption to my daily life has been significant. 
XXXX XXXX High Credit : {$110.00} Date Opened : XX/XX/XXXX Late Payment This late payment is inaccurately reported. I have always paid on time. False reporting delayed approval for urgent small loans, increased interest rates, and caused repeated questioning from financial institutions. The emotional impact includes XXXX, stress, and frustration, as well as reduced confidence in my ability to manage finances. FDCPA 1692e prohibits false reporting, and FCRA 1681i requires verification of disputed accounts. 
XXXX XXXX High Credit : {$530.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is falsely reported. I have never defaulted. The misreporting caused denied loans, repeated inquiries, and constant emotional distress. Professionally, I had to explain the situation to potential lenders, colleagues, and even family members. Financially, it delayed payments and disrupted my budgeting. The experience caused stress, XXXX, and frustration, impacting both personal and professional life. Misreporting violates FCRA 1681s-2 ( b ) and FDCPA 1692e. 
XXXX XXXX XXXX High Credit : {$0.00} Date Opened : XX/XX/XXXX Charge Off This charge-off is incorrectly reported. I have never defaulted. The misreporting caused loan denials, stress, and repeated documentation efforts to prove my financial responsibility. Professionally, I had to spend time away from work addressing this error. Emotionally, it caused XXXX, embarrassment, and ongoing frustration while trying to maintain my creditworthiness. FCRA 1681i requires that disputed items be verified and corrected. 
XXXX XXXX XXXX XXXX High Credit : {$640.00} Date Opened : XX/XX/XXXX Collection This account is falsely reported as a collection. I have no outstanding debt with this creditor. The repeated collection calls, letters, and false reporting caused emotional distress, XXXX, sleepless nights, and constant worry about my credit reputation. Financially, this false collection delayed loan approvals, increased interest rates, and created difficulty securing essential services. Professionally, it disrupted focus at work, as I had to spend hours documenting and disputing this account. Misreporting violates FCRA 1681i ( a ) and FDCPA 1692e. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry This hard inquiry was not authorized and has negatively affected my credit score. Unauthorized inquiries create financial instability, causing lenders to perceive me as a higher-risk borrower. Emotionally, this unauthorized access caused stress, frustration, and concern for potential identity misuse. FCRA 604 ( a ) ( 3 ) mandates that credit inquiries require authorization, and this violation must be corrected. 
XXXX XXXX XX/XX/XXXX XXXX This hard inquiry is erroneous. It lowered my credit score and caused lenders to scrutinize my applications unnecessarily, delaying approvals. Emotionally, I experienced stress, worry, and distraction while attempting to trace and correct the inquiry. FCRA 604 ( a ) ( 3 ) governs authorization and verification for all credit checks. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This unauthorized inquiry impaired my creditworthiness, delayed applications, and caused emotional stress while investigating its validity. FCRA 604 ( a ) ( 3 ) requires proper authorization for all inquiries. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry This hard inquiry was made without authorization and negatively affected my credit. It caused delayed access to financial products, stress, and distraction from personal responsibilities. FCRA 604 ( a ) ( 3 ) requires authorization. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry This unauthorized inquiry caused credit score reduction, delayed loans, and repeated stress, affecting both personal and professional life. FCRA 604 ( a ) ( 3 ) mandates verification. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry is inaccurate and unauthorized. It resulted in loan denials, increased XXXX, and wasted hours addressing the issue, violating FCRA 604 ( a ) ( 3 ). 
The cumulative effect of these inaccurate accounts and unauthorized inquiries has been significant financial hardship, repeated stress, emotional distress, and disruption to daily and professional life. I have spent countless hours documenting, disputing, and contacting creditors, yet the errors persist. 
I request that the CFPB investigate all items listed above, ensure that all inaccurate, unverifiable, and unauthorized entries are corrected or removed immediately, and provide written confirmation once the corrections are completed. Failure to address these errors will compel me to pursue all available legal remedies under FCRA and FDCPA, including complaints with federal and state authorities.

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