Consumer complaint received 2025-09-04 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:
To Whom It May Concern, I am writing to formally dispute multiple inaccuracies, unfair reporting, and unauthorized hard inquiries on my credit report which have caused me severe financial harm, emotional distress, and wasted time. I request immediate investigation and correction of the following items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect address. This erroneous reporting has caused multiple failed verifications, misdirected correspondence, and unnecessary stress. It negatively impacts my ability to secure loans or open new accounts, as lenders may question my identity or stability. Under FCRA Section 611 ( a ), I demand immediate reinvestigation and deletion if verification can not be established. The inclusion of an address I have never lived at is not only misleading but could also lead to legal exposure if correspondence is misinterpreted as mine. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance Owed : {$570.00} Charge Off. This account is inaccurately reported as a charge off despite my efforts to resolve and verify the account status. Being falsely labeled as a charge off has caused higher interest rates, denial of credit applications, and significant stress. According to FCRA Sections 607 ( b ) and 623 ( a ) ( 8 ), furnishers must report accurate account information. The emotional and financial burden of this incorrect reporting is severe, including lost opportunities for credit and damage to my reputation with potential lenders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance Owed : {$0.00} Charge Off. Reporting a XXXX balance account as a charge off is misleading and inaccurate. It falsely portrays financial irresponsibility and affects my creditworthiness. This error has forced me to spend considerable time disputing and verifying the account, causing XXXX and stress. Under FCRA Section 623 ( a ) ( 8 ), this constitutes a violation of federal law and must be corrected immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Date XXXX Balance Owed : {$11000.00} Charge Off. Despite multiple attempts to correct this reporting, the account remains falsely marked as charged off. This has affected my ability to secure loans, caused emotional distress, wasted time, and forced me to repeatedly provide documentation to dispute the account. Reporting inaccurate information violates FCRA Sections 602, 607 ( b ), and 623 ( a ) ( 1 ), and may constitute willful negligence under Section 1681n, giving me legal grounds for action. The stress, time lost, and financial consequences are ongoing and unacceptable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance Owed : {$0.00} Late Payment. Duplicate late payment entries misrepresent my payment history, causing false impressions of financial irresponsibility. These errors have resulted in higher interest rates, rejection of credit applications, and continuous stress. FCRA Section 607 ( b ) mandates accurate reporting, and the duplicates clearly violate federal law. The repeated disputes and monitoring of these errors have been emotionally draining. 
XXXX XXXXXXXX XXXX XXXX  Date XXXX Balance Owed : {$0.00} Late Payment. This late payment is inaccurately reported despite timely payments. Repeated reporting of this error has caused financial stress, confusion, and unnecessary anxiety over my creditworthiness. The continued misreporting violates FCRA Sections 607 ( b ) and 611 ( a ) and affects my daily life and financial opportunities. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$550.00} Collection. This account has been erroneously reported in collection despite documentation proving the debt is inaccurate. The false reporting has caused collection harassment, anxiety, legal concerns, and tangible financial harm including denied loans and higher interest rates. Reporting inaccurate collections violates FDCPA Section 809 ( b ) and FCRA Sections 607 ( b ) and 611 ( a ). The ongoing emotional and financial consequences are severe, and immediate correction is demanded. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance Owed : {$430.00} Collection. The reporting of this account in collection is inaccurate. I have documentation proving the debt is incorrect, yet it continues to appear as a collection item, causing anxiety and impacting my creditworthiness. FCRA Sections 607 ( b ) and 611 ( a ) require accurate reporting. The ongoing stress, potential higher interest rates, and denial of credit applications directly result from this false reporting. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$170.00} Collection. Duplicate entry of the same account is inaccurately reported. Reporting duplicates misrepresents my financial history and violates FCRA Sections 602 ( a ) and 607 ( b ). The duplication increases my financial stress, creates confusion with creditors, and unnecessarily damages my credit score. 
XXXX XXXX XXXX XXXX  Date XXXX Balance Owed : {$770.00} Collection. This account has been erroneously reported as in collection. It affects my ability to obtain loans, causes stress due to potential harassment from collection agencies, and misrepresents my financial responsibility. This false reporting violates FCRA Sections 607 ( b ) and 611 ( a ) and FDCPA Section 809 ( b ). Immediate correction is demanded. 
XXXX XX/XX/XXXX XXXX. Disputed as unauthorized or inaccurate. Hard inquiries affect my credit score and financial credibility. FCRA Section 604 ( a ) obligates verification ; failure to remove unauthorized inquiries constitutes violation of federal law and causes unnecessary financial and emotional stress. 
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry. Disputed due to lack of authorization. Incorrect inquiries misrepresent my credit behavior and may lead to loan denials or higher interest rates. Verification and removal are required under FCRA Section 604 ( a ). 
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Inquiry. Unauthorized or inaccurately recorded. Disputing this inquiry to prevent further damage to my credit report and unnecessary stress. FCRA Section 604 ( a ) governs verification of all inquiries. 
XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiry. Disputed as unauthorized or false. Hard inquiries negatively affect my credit profile and violate federal guidelines if unverified. Immediate removal is demanded.

These inaccuracies, duplicate accounts, and unauthorized inquiries constitute clear violations of federal law, including FCRA Sections 602, 604, 607, 609, 611, 623, and FDCPA Section 809. The repeated failure to correct these issues has caused severe emotional distress, financial loss, wasted time, and potential denial of credit. I demand that all erroneous information be investigated, verified, and permanently corrected or removed immediately. I expect written confirmation of the results of this investigation within the legally mandated timeframe. Failure to comply may compel me to pursue legal remedies for damages, emotional distress, and willful non-compliance.

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