Consumer complaint received 2025-08-25 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 filing this complaint with the Consumer Financial Protection Bureau because my rights as a consumer have been violated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Several accounts are being reported inaccurately on my credit file. These inaccuracies are not only misleading but also unlawful, and they have caused me financial harm, repeated credit denials, higher interest rates, and emotional distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is not mine and should not be associated with my credit file. The bureaus have failed their duty under FCRA 611 to properly investigate and remove disputed inaccurate addresses. Because of this, I was flagged during an employment background check, and my job application was delayed for weeks while I tried to explain the mistake. This created unnecessary stress and could have cost me employment opportunities. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This is another completely wrong address attached to my file. Continued reporting after dispute constitutes willful negligence under FCRA 616. I was denied credit for a car loan because the lender claimed my identity could not be verified due to multiple conflicting addresses. This incident forced me to delay purchasing a reliable vehicle and caused significant stress to my family. 
XXXX XXXX XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Charge Off This account is being reported as a charge off, but the reporting is inaccurate and unverifiable. FCRA 609 ( a ) requires that I be provided with complete verification of the account, including signed agreements and payment history, which has not been provided. Reporting unverifiable debts violates FCRA 607 ( b ). Because of this false charge off, I was denied a personal loan to consolidate other debts, leaving me stuck paying higher interest on multiple accounts and worsening my financial stress. 
XXXX XXXX High Balance : {$970.00} Date Opened : XX/XX/XXXX Charge Off This account is being reported as a charge off, but the reporting lacks accuracy and full verification. Failure to provide proper documentation violates my rights under FCRA 611 and 609. Because of this false entry, I was denied approval for a store card when I tried to buy essential furniture for my home, which was humiliating at the checkout counter. 
XXXX XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Charge Off This charge off account is inaccurate and not properly validated. Reporting unverifiable debts constitutes negligent and willful noncompliance under FCRA 616 and 617. This false report has made it impossible for me to qualify for affordable auto financing, forcing me XXXX XXXX an unreliable vehicle and putting my family at risk. 
XXXX XXXX High Balance : {$27000.00} Date Opened : XX/XX/XXXX Charge Off This account is listed as a charge off, yet no complete validation has been provided. Reporting inaccurate and incomplete information violates FCRA 607 ( b ). This has cost me opportunities to obtain credit for home repairs, leaving me unable to address urgent maintenance issues that directly impact my familys safety and comfort. 
XXXX XXXX XXXXXXXX High Balance : {$970.00} Date Opened : XX/XX/XXXX Collection This is a duplicate of the above account, which results in double reporting. Such duplications are deceptive, misleading, and violate FDCPA 807 as well as FCRA 607 ( b ). This duplicate has dragged down my credit score even further, preventing me from getting approved for affordable credit cards and keeping me trapped in financial hardship. 
Inquiries ( Unauthorized and Excessive ) On multiple dates, hard inquiries have been reported on my credit file without my authorization. Unauthorized inquiries violate FCRA 604 ( a ) ( 2 ) as they must have a permissible purpose. These inquiries are lowering my credit score and damaging my reputation unfairly. Each of the following inquiries caused harm by making me appear desperate for credit, which lenders take as a negative sign, resulting in higher interest rates or outright denials : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry : This inquiry created the impression I applied for multiple auto loans, which I did not, harming my credibility. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry : False and misleading, lowering my score. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry : Another unauthorized entry, painting me as desperate for loans I never requested. 
XXXX XXXX XXXX  XX/XX/XXXX Inquiry : Unauthorized, contributing to multiple denials of legitimate credit applications. 
XXXX XXXX XX/XX/XXXX Inquiry : Completely unauthorized and damaging. 
These multiple duplicate XXXX  inquiries are excessive and damaging, reducing my score and preventing me from qualifying for fair credit offers. 
In conclusion, these accounts are inaccurate, unverifiable, and unlawfully damaging my credit file. The creditors and reporting agencies are in violation of FCRA 602, 607, 609, 611, and 623, and the collectors are in violation of FDCPA 809. These violations have caused me measurable financial damage, including credit denials, higher costs of borrowing, and emotional distress. I request that the CFPB immediately investigate these matters, enforce compliance with federal law, and require the deletion of these inaccurate accounts from my credit report.

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