Consumer complaint received 2025-08-04 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 Representative, I am writing to formally file a complaint against several creditors and debt collectors who have reported inaccurate, unverifiable, and in some cases, duplicate information on my credit report. These accounts are severely impacting my ability to access fair credit, rent housing, and stabilize financially. Many of these entries violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Wrong Address Issue : This address is not mine, nor have I ever lived or been associated with this location. 
Law : Under FCRA 609 ( c ) ( 2 ) ( A ), I have the right to dispute any information that I believe to be inaccurate or incomplete, including personal identifying information.

Story : This address being listed is misleading creditors and causing confusion in my financial identity. I am a victim of profile merging or misreporting, and this error is contributing to increased denials for housing and financial opportunities. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address Issue : This P.O. Box is not and has never been associated with my name or credit applications.

Law : FCRA 602 requires consumer reporting agencies to maintain accuracy and fairness in credit reporting.

Story : Repeated rejections from lenders have brought this false address to my attention. It is mentally exhausting to deal with consequences of address fraud or data mixing. 
XXXX XXXX XXXXXXXX XXXX High Balance : {$480.00} Date Opened : XX/XX/XXXX Charge Off Issue : This account is not mine or may have been fraudulently opened.

Law : Under FCRA 611, you are required to reinvestigate disputed accounts and remove unverifiable information. 
Story : I have never held a XXXX XXXX account with this balance and date. This is interfering with my efforts to secure stable transportation and employment. 
XXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/XXXX Charge Off Issue : This account is inaccurate and does not reflect my actual financial history.

Law : FCRA 607 ( b ) mandates that credit bureaus must follow reasonable procedures to assure maximum possible accuracy.

Story : Due to this false entry, I was denied a mortgage pre-approval. Ive lost valuable opportunities because of this false derogatory item. 
XXXX XXXXXXXX XXXX High Balance : {$36.00} Date Opened : XX/XX/XXXX Charge Off Issue : The account appears minor but its charge-off status is hurting my score disproportionately.

Law : Per CFPB guidance, even small-dollar errors must be corrected if disputed.

Story : Ive worked hard to build my credit and such a small error should not cost me large financial consequences. 
XXXX  XXXX High Balance : {$20000.00} Date Opened : XX/XX/XXXX Charge Off Issue : This account was voluntarily surrendered with agreement, not charged-off.

Law : FCRA 611 ( a ) ( 1 ) ( A ) and the Equal Credit Opportunity Act ( ECOA ) protect against inaccurate portrayal of agreements.

Story : I had made settlement arrangements which are not being reflected properly, and this is distorting my credit integrity. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$1600.00} Date Opened : XX/XX/XXXX Charge Off Issue : This account was paid but still shows as charged-off.

Law : The FCRA prohibits inaccurate or outdated negative items from being reported.

Story : I took responsibility to resolve this, but the record still being negative feels unjust and damaging. 
XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1600.00} Date Opened : XX/XX/XXXX Late Payment Issue : The late payment was incorrectly reported during a time I was under documented hardship.

Law : Under CARES Act guidance and FCRA, lenders must report accurately during declared hardships.

Story : I reached out for assistance during the COVID-19 hardship, yet was reported late. This isnt just unfairits a violation of trust. 
XXXX XXXX XXXXXXXX High Balance : {$1400.00} Date Opened : XX/XX/XXXX Charge Off Issue : No documentation or debt validation provided.

Law : FDCPA 809 ( b ) gives consumers the right to dispute a debt and obtain verification.

Story : I was never sent notice or statement. I feel like this was placed to trap me financially. 
XXXX XXXXXXXX XXXX High Balance : {$3200.00} Date Opened : XX/XX/XXXX Charge Off Issue : This balance and charge-off appear inflated and incorrect.

Law : FCRA 607 ( b ) and 609 ( a ) entitle me to a clear explanation and correction.

Story : I never consented to or acknowledged such a high balance. I believe this is an error from equipment/plan return confusion. 
XXXX XXXXXXXX XXXX  High Balance : {$580.00} Date Opened : XX/XX/XXXX Charge Off Issue : I do not recognize this account and it appears to be fraud or misreporting.

Law : Under FCRA 605B, I request this be blocked due to suspected identity theft.

Story : Ive filed reports before regarding mixed files and I suspect this belongs to someone else. 
XXXX XXXX XXXX I XXXX High Balance : {$580.00} Date Opened : XX/XX/XXXX Charge Off Issue : This appears to be a duplicate of the previous entry, inflating negative impact.

Law : FCRA requires accurate and non-duplicative reporting.

Story : Being punished twice for the same matter is deeply unfair and unethical. 
XXXX XXXX High Balance : {$13000.00} Date Opened : XX/XX/XXXX Charge Off Issue : I returned the car voluntarily and agreed on resolution.

Law : Under ECOA and FCRA, the nature of voluntary repossession must be reported correctly.

Story : I made responsible choices during hardship, yet this is damaging my score more than those who ignored debts completely. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Charge Off Issue : Unverified debt still being reported after multiple dispute attempts.

Law : FCRA 611 requires deletion of unverifiable information.

Story : Ive tried to fix this, but agencies keep bouncing me between departments. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$4300.00} Date Opened : XX/XX/XXXX - Charge Off Issue : Duplicate reporting with previous XXXX XXXX XXXX account. 
Law : FCRA prohibits double reporting of the same obligation.

Story : I believe this may be a duplicate entry. I only had one line of credit with XXXX. This is confusing and damaging. Ive already suffered enough from the economic impact of COVID-19. 
XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX - Late Payment Issue : No grace period given during financial hardship.

Law : Under CARES Act and FCRA, creditors must fairly report during hardship plans.

Story : I had informed them in writing that I was undergoing temporary hardship due to a medical XXXX XXXX XXXXXXXX High Balance : {$2000.00} / {$1100.00} Date Opened : XX/XX/XXXX - Collection Issue : Duplicate accounts for same debt.

Law : FCRA prohibits misleading duplicate listings.

Story : This appears to be the same debt shown twice, causing disproportionate damage to my score. I have contacted them but received no clarification. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX - Collection Issue : Listed without consumer notification. 
Law : FDCPA Section 809 mandates timely notice. 
Story : I have attempted to settle with XXXX XXXX before they reported this. The account still ended up on my report, ignoring my efforts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$7100.00} Date Opened : XX/XX/XXXX - Collection Issue : No validation of debt provided.

Law : Debt collectors must verify upon consumer request.

Story : I never received any official communication. This entry came as a shock while applying for a mortgage. 
Hard Inquiries ( Multiple from XXXX to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , etc.

Issue : Excessive inquiries within short span damaging credit score.

Law : FCRA allows consumers to challenge unauthorized or grouped inquiries.

Story : Many of these were auto-loan shopping related and should have been grouped. Some were made without my explicit consent. These are now hurting my ability to secure fair interest rates.

My Request : I am requesting the CFPB to investigate these creditors and furnishers. These entries are not only misleading but harmful, and they remain even after my repeated attempts at resolution. I have attached supporting documentation, including my credit report highlighting these issues.

I am not disputing debt responsibility in every case, but I am demanding that the credit report reflect only fair, verifiable, accurate, and non-duplicative information, as the law demands.

Please hold the reporting agencies and debt collectors accountable for these violations.

Company response to consumer: Closed with explanation