Consumer complaint received 2025-09-11 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 writing to formally submit this complaint regarding multiple inaccurate and unauthorized accounts, collections, charge-offs, late payments, and hard inquiries being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. The following items are disputed as they are inaccurate, unverifiable, misleading, and are causing me financial and reputational harm XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address has never belonged to me. Reporting such false personal identifiers creates confusion and mixes my file with others. This violates FCRA 604 ( a ) ( 2 ). I demand this address be permanently removed from my credit file.Story : Because of this wrong address I was recently questioned during a credit application process and had to explain that I never lived there. This embarrassed me and made the lender suspicious, which directly harmed my reputation and delayed my approval. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Wrong Address I have never lived at this location. Its presence suggests mixed files and possible fraud. Under FCRA 611 ( a ), I have the right to dispute and request reinvestigation.Story : I was even contacted once for mail that was associated with this apartment, which caused me stress and concern that someone elses debt or activity is being linked to me. This is a direct violation of my rights and creates risk of identity theft. 

XXXX XXXX XXXX High Balance : {$790.00} Date Opened : XX/XX/XXXX Charge Off This account is inaccurately reported as a charge off. I dispute the validity, completeness, and accuracy of this account. If the furnisher can not provide verifiable documentation with my signed contract and complete payment history under FCRA 609 ( a ) ( 1 ), it must be deleted.Story : I never received proper notice of this alleged charge off. The reporting has destroyed my credit score, caused denials for credit cards, and prevented me from getting lower interest rates. Without proof, this account should not remain. 

XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Charge Off This account has been wrongfully reported as charged off. I request validation including original signed agreement, payment records, and proper chain of custody. Failure to provide such documentation violates FCRA 611 ( a ) and FDCPA 809 ( b ) .Story : This inaccurate entry has directly led to a denial when I applied for a personal loan. I was embarrassed and financially harmed as I needed the loan for an emergency. My good name should not be punished because of unverified reporting. 

XXXX XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Charge Off This entry is inaccurate and misleading since a charge off can not exist with a reported balance of {$0.00}. This is materially false information. Under FCRA 607 ( b ), credit bureaus must ensure maximum possible accuracy. I demand immediate deletion of this item.Story : This false reporting is completely illogicalreporting {$0.00} balance but still calling it a charge off. Lenders see this and assume I am hiding something, which unfairly damages my trustworthiness. I should not be penalized for reporting errors. 
XXXX XXXXXXXX XXXX High Balance : {$990.00} Date Opened : XX/XX/XXXX Charge Off I dispute this charge off entry. I demand validation including all original records and proof of ownership. If the furnisher can not provide these, it must be deleted under FCRA.Story : Because of this false report, I was rejected for a small business credit card I needed to help grow my income. This denial placed me in financial hardship, directly harming my life. 

XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment I dispute the reported late payments. I demand proper documentation proving the alleged delinquency. Without verified proof, this account must be corrected to show Paid as agreed.Story : These late payment marks are not true. They have created the impression I am irresponsible, which is not correct. Because of this false reporting, I was forced to pay higher deposits for utilities and phone services. 

XXXX XXXX XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Charge Off I dispute the reporting of this account as a charge off. Without documented evidence, this is unverifiable and must be deleted.Story : This small account should not have been reported as a charge off, yet it damaged my score heavily. Lenders now see me as high risk, even though this is inaccurate and unjust. 

XXXX XXXXXXXX High Balance : {$120.00} Date Opened : XX/XX/XXXX Charge Off This account is wrongfully listed as charged off. I dispute its validity and accuracy. Documentation must be provided or the account must be removed.Story : Such a small balance being reported as a charge off makes no logical sense and unfairly destroys my credit standing. I have suffered embarrassment in front of lenders because of this wrong reporting. 

XXXX XXXXXXXX XXXX  High Balance : {$2000.00} Date Opened : XX/XX/XXXX Late Payment I dispute the late payment reporting. Proper documentation must be provided. If not, the account should reflect accurate on-time payments.Story : These alleged lates are very old and unverifiable, yet they continue to punish me. Because of this, I was denied a student loan consolidation, which increased my monthly burden and financial hardship. 

XXXX XXXX XXXX XXXX XXXX  High Balance : {$28000.00} Date Opened : XX/XX/XXXX Charge Off This account is incorrectly reported as a charge off. Without legal proof, this is unverifiable and must be deleted.Story : Because of this inaccurate report, I was denied for a mortgage pre-approval. This has delayed my ability to secure housing for my family and caused significant stress and humiliation. 

XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Late Payment I dispute this accounts late payment history. Without legal documentation proving accuracy, this entry must be corrected.Story : These false lates made my credit report look unstable to lenders. I was forced to pay higher security deposits for utilities, which placed me under unnecessary financial strain. 

XXXX  XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Late Payment This account is reporting late payments inaccurately. I demand proof with original records or deletion under XXXX : This student loan servicers errors have followed me for years, holding me back from qualifying for affordable financing. Because of this false report, I could not refinance my student loans and had to pay more interest than I should. 

XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$260.00} Date Opened : XX/XX/XXXX Collection I dispute this collection account. No proper validation has been provided. Without a signed agreement, proof of ownership, and payment history, this entry must be deleted under FCRA 611 ( a ) and FDCPA 809 ( b ) .Story : This collection is small in amount but big in damage. It has lowered my score and caused embarrassment when applying for credit cards. I should not suffer from unverifiable reporting. 

XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Collection This account is reported with a {$0.00} balance but still marked as a collection, which is illogical and inaccurate. I dispute this entry and demand its deletion.Story : Having a collection with {$0.00} balance misleads lenders into thinking I had unresolved debts. This false reporting harmed me during an employment background check, making me look financially unstable. 
XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry I dispute all of these inquiries. They appear to be connected to auto dealership shotgun credit pulls, where multiple finance companies are accessed without my clear and informed consent.Story : These multiple inquiries in a single day unfairly tanked my score and made me look desperate for credit. I was never informed that my information would be spread across so many lenders. This is harmful, misleading, and a violation of my rights. 
Complaint Summary and Request for Relief : 1. I demand that CFPB investigates each of these disputed accounts and inquiries.

2. I request the immediate deletion of all inaccurate, unverifiable, duplicated, and unauthorized items from my credit report.

3. I request enforcement of FCRA and FDCPA provisions to ensure creditors and collectors follow federal law.

4. I request written confirmation once these accounts and inquiries have been fully removed.

These reporting errors have caused me significant financial harm, emotional distress, and obstacles in obtaining housing, employment, and fair access to credit. I am exercising my rights under the FCRA and FDCPA and demand that my complaint be taken seriously and corrected immediately.

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