Consumer complaint received 2025-08-29 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: MS

Complaint narrative:
To Whom It XXXX Concern, I am submitting this complaint because my credit report contains multiple inaccurate, unverifiable, and unauthorized entries that are causing extreme harm to my financial life, personal stability, and mental well-being. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) are designed to protect consumers from false or misleading reporting, yet my rights under these laws have been blatantly violated. These entries have created a false narrative of irresponsibility, lowered my XXXX score, caused denied loans, increased interest rates, and created emotional distress, anxiety, and sleepless nights, affecting every aspect of my life. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Wrong Address I have never used this address. Its presence has caused confusion in my credit file and created a negative impression that I have been unstable or irresponsible in my living arrangements. This inaccurate reporting has affected my ability to secure fair credit offers, forced me to explain discrepancies to potential landlords and employers, and has eroded trust in my financial history. This is a clear violation of FCRA 1681i which requires disputed inaccurate information to be reinvestigated and corrected promptly. The personal impact has been severe ; I have spent countless hours trying to prove I have no connection to this address, all while suffering from the emotional burden of being misrepresented. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Wrong Address I have never used or lived at this address. Reporting it is reckless and creates a misleading narrative on my credit file. Because of this, I have faced questioning, delays, and rejections in housing and finance applications. FCRA 1681i mandates reinvestigation of disputed items, yet this address remains, causing ongoing harm. The stress of being falsely associated with multiple addresses has led to anxiety, panic, and fear about my ability to rebuild a reliable financial reputation. 
XXXX BANK XXXX Account XXXX High Balance {$600.00} Date Opened XX/XX/XXXX Chargeoff This account is being reported as a charge off without proper verification. I have never received the original contract, full account history, or any valid proof of debt. Reporting this without verification violates FCRA 1681s-2 and FDCPA 809, which prohibit furnishing inaccurate or unverifiable information. The false reporting has caused my XXXX XXXX to drop significantly, resulting in denied credit, increased interest rates, and a pervasive sense of financial insecurity. The anxiety caused by being falsely accused of defaulting on a debt has affected my sleep, health, and daily functioning. 
XXXX XXXX Account XXXX High Balance {$2800.00} Date Opened XX/XX/XXXX Chargeoff This charge off is inaccurate and unverifiable. I have never received validation or proof of the debt. FDCPA and FCRA protect me from such inaccurate reporting, yet it continues to appear on my report. This has created major barriers to accessing loans, credit cards, and even housing opportunities. The psychological toll of constantly defending myself against false claims, combined with the financial consequences, has been overwhelming. I have felt helpless, stressed, and unfairly targeted. 
XXXX Account XXXX High Balance {$1100.00} Date Opened XX/XX/XXXX Chargeoff This account is being reported without verifiable proof. I have disputed it multiple times, yet no validation has been provided. FCRA 1681i requires that disputed, unverifiable items be corrected or deleted. The continued reporting has damaged my creditworthiness, affected my ability to secure housing, and created persistent anxiety about my financial reputation. I constantly worry that these false entries will continue to prevent me from living a stable, normal life. 
These inaccurate addresses and unverifiable charge offs have caused profound and tangible harm. I have been denied loans, faced higher interest rates, struggled to find housing, and endured the humiliation of being judged unfairly by financial institutions. The anxiety, stress, and frustration from these false reports have impacted my health, my sleep, and my ability to live without fear of financial persecution. My personal relationships have been strained as I try to explain to family and friends why I am facing barriers that I do not deserve. 
The law is clear : FCRA 1681e ( b ) mandates maximum possible accuracy, FCRA 1681i requires reinvestigation of disputed items, FCRA 1681s-2 prohibits reporting unverifiable or inaccurate information, and FDCPA 807 forbids false representation of debts. By failing to correct these wrong addresses and unverifiable charge offs, the credit bureaus and furnishers are knowingly violating federal law and causing direct, measurable harm to my life. 
XXXX CARD Account XXXX High Balance {$5400.00} Date Opened XX/XX/XXXX Chargeoff This account is being reported as a charge off without proper validation or documentation. I have never received original contracts, full payment history, or proof of the alleged default. Reporting this without verification violates FCRA 1681s-2 and FDCPA 809. The effect on my life has been profound : my creditworthiness is unfairly lowered, I have been denied loans, and the emotional stress has caused sleepless nights and constant anxiety about my financial reputation. I feel unfairly targeted and trapped by inaccurate reporting that paints me as negligent when I have acted responsibly. 
REGIONAL FIN Account XXXX High Balance {$7300.00} Date Opened XX/XX/XXXX Late Payment This late payment is reported inaccurately and without supporting evidence. FCRA 1681i requires that disputed inaccurate information be reinvestigated and corrected. The false reporting has caused higher interest rates, denied credit applications, and severe emotional stress. Each denial, each questioning of my reliability, and each financial barrier reinforces a false narrative of irresponsibility that is entirely untrue, affecting my ability to plan, save, and live with stability. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not initiated or authorized by me. Such reporting violates FCRA 604 and unfairly harms my credit profile, resulting in unjust financial consequences and mental stress. 
XXXX XXXX XX/XX/XXXX XXXX XXXX and damaging, this inquiry lowers my creditworthiness without my consent, causing anxiety and fear about my ability to access loans, housing, and fair credit. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not authorize this inquiry. Reporting without my consent is a violation of FCRA 604, and it adds to the cumulative stress and financial disadvantage I have endured. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Unauthorized, unverifiable, and unfair. This further demonstrates careless or negligent reporting that violates federal law. 
The law is clear : FCRA 1681e ( b ) requires maximum possible accuracy, FCRA 1681i mandates reinvestigation of disputed items, FCRA 1681s-2 prohibits reporting unverifiable information, and FCRA 604 forbids unauthorized inquiries. FDCPA 807 and 809 protect consumers from false and unverified reporting. By failing to correct these wrong charge offs, late payments, and unauthorized inquiries, the credit bureaus and furnishers are violating federal law and causing direct, measurable harm to my life. 
I demand a thorough investigation into each item, immediate deletion of unverifiable charge offs, correction of inaccurate late payments, and removal of all unauthorized inquiries. Written confirmation of these corrections must be provided. Failure to act will result in legal action under FCRA 1681n and 1681o for willful or negligent noncompliance, including claims for statutory and actual damages, plus attorneys fees. My financial future, reputation, and mental health depend on these corrections being made 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