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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccuracies and unauthorized activities reported on my credit file. These errors have caused me significant financial and emotional harm, and I request immediate investigation, correction, and removal of all inaccurate entries under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x. 
XXXX XXXX, XXXX XXXX, NV XXXX Issue : This address is inaccurately reported on my credit report ; I have never resided here.Law : FCRA Section 609 ( a ) gives me the right to request verification and correction of inaccurate or unverifiable information.Story : This incorrect address has caused serious confusion with lenders and other financial institutions. I have been repeatedly contacted regarding debts or accounts that I have no connection to, and in one instance, a mortgage application was delayed because my file showed this false residence. The constant need to explain and prove my true address has caused immense stress and wasted countless hours of my time, affecting both my personal and professional life. This misreporting threatens my credibility and makes me vulnerable to potential identity theft. 
XXXX XXXX XXXX, XXXX XXXX, CA XXXX Issue : Address never associated with me ; reported inaccurately.Law : FCRA Section 609 ( a ) ( 1 ) allows consumers to request verification of disputed information.Story : This inaccurate address has been a source of repeated confusion for banks and creditors. On at least two occasions, I was contacted about accounts that were not mine, causing embarrassment and concern that my identity could be compromised. Each time I attempt to correct the issue, it consumes significant personal time and causes emotional distress. This is not just a minor reporting error ; it has real consequences for my daily life and financial security. 
Account Disputes : XXXX XXXXXXXX, High Balance {$1000.00}, Opened XX/XX/XXXX Issue : Reported as charge-off incorrectly.Law : FCRA Section 623 ( a ) ( 5 ) requires furnishers to provide accurate information.Story : This false charge-off has resulted in multiple credit denials. I have attempted to resolve this with the creditor directly but received no verification or correction. Because of this inaccurate reporting, I was denied a car loan and faced unnecessary financial stress. It has impacted my daily life, making simple tasks like renting an apartment more complicated, and has caused embarrassment and anxiety. 
XXXX XXXX, High Balance {$4600.00}, Opened XX/XX/XXXX Issue : Incorrectly reported as charge-off.Law : FCRA Section 611 ( a ) requires investigation of disputed information and deletion of unverifiable entries.Story : This false charge-off has had a severe impact on my financial reputation. I have always acted responsibly and made payments in accordance with agreements, yet the reporting portrays me as negligent. This has caused repeated loan denials, higher insurance premiums, and stress over my financial stability. The constant need to dispute these inaccuracies consumes my time and energy and has caused undue emotional and financial hardship XXXX  XXXX, High Balance {$470.00}, Opened XX/XX/XXXX Issue : Reported with late payment inaccurately.Law : FCRA Section 611 ( a ) requires that credit reporting agencies investigate disputed items and correct any unverified or inaccurate negative information.Story : I have consistently paid this account according to my agreement. The late payment reported is false and has negatively impacted my credit score. This misinformation caused difficulties in applying for credit, increased stress, and created unnecessary financial obstacles. I have spent considerable time contacting the creditor to verify the error, yet it remains uncorrected, causing ongoing frustration and harm. 
XXXX XXXX XXXX, High Balance {$2500.00}, Opened XX/XX/XXXX Issue : Incorrectly reported as charge-off.Law : FCRA Section 623 ( a ) ( 5 ) requires furnishers to report accurate information to credit bureaus.Story : This charge-off is inaccurate and does not reflect my payment history. Due to this error, I was denied loan approvals and faced higher interest rates. The inaccurate reporting has caused both financial and emotional distress, undermining my trust in the credit reporting system and creating barriers to financial stability. 
XXXX XXXX XXXX  XXXX, High Balance {$38000.00}, Opened XX/XX/XXXX Issue : Incorrectly reported as charge-off.Law : FCRA Section 611 ( a ) mandates that disputed information be investigated and unverifiable negative entries be deleted.Story : I have made all payments timely according to my contract. The false charge-off has prevented me from securing auto financing and negatively affected my personal and professional life. The reporting is damaging to my reputation and creditworthiness, causing undue stress and unnecessary financial burdens. 
XXXX XXXX XXXX, High Balance {$7700.00}, Opened XX/XX/XXXX Issue : Incorrectly reported as charge-off.Law : FCRA Section 611 ( a ) ensures disputes are investigated and inaccurate negative entries corrected.Story : I have maintained proper payments, yet this account is marked as a charge-off. The misinformation has prevented me from accessing loans, lowered my credit score, and caused repeated stress when financial institutions question my payment history. The reporting is inaccurate, unjust, and continues to affect my financial well-being. 
XXXX XXXX XXXX, High Balance {$1500.00}, Opened XX/XX/XXXX Issue : Reported as charge-off inaccurately.Law : FCRA Section 611 ( a ) mandates that disputed items must be verified and corrected if untrue.Story : This false charge-off has caused unnecessary financial complications, including higher interest rates and difficulty obtaining credit. I have always met my obligations responsibly, yet this incorrect reporting paints a false narrative that has caused both financial and emotional harm. 
XXXX XXXX XXXX XXXX, High Balance {$2500.00}, Opened XX/XX/XXXX Issue : Reported as collection incorrectly.Law : FCRA Section 611 ( a ) requires investigation of disputed information and deletion of unverifiable entries.Story : This collection account is inaccurate. It has directly affected my ability to secure loans and maintain financial stability. I have repeatedly contacted the creditor and credit bureau to correct this, but the error persists, causing ongoing stress, embarrassment, and financial hardship. 
XXXX XXXX XXXX XXXXXXXX, High Balance {$6300.00}, Opened XX/XX/XXXX Issue : Reported as collection inaccurately.Law : FCRA Section 611 ( a ) obligates reporting agencies to investigate and remove unverifiable or false information.Story : This false collection entry has damaged my credit profile, leading to loan denials and difficulty in financial planning. The repeated errors and lack of proper verification demonstrate negligence. Each time I apply for credit, I am forced to explain a situation that is not mine, causing stress, lost opportunities, and emotional distress. 
XXXX XXXX XXXX XXXX, High Balance {$1400.00}, Opened XX/XX/XXXX Issue : Reported inaccurately as collection.Law : FCRA Section 623 ( a ) ( 5 ) requires furnishers to report only accurate information to credit bureaus.Story : This incorrect reporting has negatively impacted my credit score and caused financial harm, including higher interest rates and loan denials. I have maintained proper payment records, yet the negative mark persists. The repeated inquiries and explanations required have caused ongoing stress and frustration. 
XXXX XXXX XXXX, High Balance {$2100.00}, Opened XX/XX/XXXX Issue : Incorrectly reported as collection.Law : FCRA Section 609 ( a ) gives consumers the right to request verification of disputed accounts.Story : This false reporting has led to repeated loan denials and additional scrutiny on my credit applications. Each inquiry into my credit history reveals this error, forcing me to spend hours documenting my actual payment history. The ongoing impact on my personal and financial life is significant and unjustified. 
XXXX XXXX XXXX, High Balance {$10000.00}, Opened XX/XX/XXXX Issue : Reported inaccurately as collection.Law : FCRA Section 611 ( a ) ensures that disputed information must be verified and corrected if false.Story : This account has never been in collection status according to my records. The reporting of a false collection has prevented me from obtaining loans, caused stress, and damaged my creditworthiness. The time and effort spent to dispute this error has been extensive and disruptive to my daily life. 
XXXX XXXX  XXXX, High Balance {$2800.00}, Opened XX/XX/XXXX Issue : Reported inaccurately as a collection.Law : FCRA Section 611 ( a ) requires credit reporting agencies to investigate disputed items and delete unverifiable or inaccurate information.Story : I have never received verified notice or billing statements supporting this collection. The false reporting has caused repeated credit denials and unnecessary stress. I have spent significant time documenting my payment history, yet the negative mark remains, harming my financial reputation and ability to secure credit. 
XXXX XXXX XXXX, High Balance {$850.00}, Opened XX/XX/XXXX Issue : Reported as collection inaccurately.Law : FCRA Section 609 ( a ) allows consumers to request verification of disputed accounts.Story : This account has been incorrectly reported as delinquent. I have never missed payments or received valid notices. The error has created unnecessary barriers to obtaining loans and caused financial and emotional distress. Each application I submit is scrutinized because of this incorrect reporting. 
XXXX XX/XX/XXXX Issue : Hard inquiry reported without my authorization.Law : FCRA Section 604 ( a ) ( 3 ) requires that inquiries only be made with the consumers authorization.Story : I did not authorize this inquiry. Unauthorized inquiries can lower my credit score and misrepresent my financial activity. This has caused undue stress and requires immediate correction to prevent further impact on my creditworthiness. 
XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry.Law : FCRA Section 604 ( a ) ( 3 ) mandates that inquiries must be authorized by the consumer.Story : This inquiry was conducted without my permission, negatively affecting my credit score and creditworthiness. I have had to explain this unauthorized action to multiple lenders, causing unnecessary stress and inconvenience. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized hard inquiry.Law : FCRA Section 604 ( a ) ( 3 ) ensures that inquiries must be authorized and verifiable.Story : This unauthorized inquiry has resulted in a lower credit score and has impacted my ability to obtain credit at fair terms. I did not request or approve this inquiry, and its presence on my report is inaccurate and unfair. 
XXXX XXXXXX/XX/XXXX Issue : Hard inquiry conducted without authorization.Law : FCRA Section 604 ( a ) ( 3 ) requires consumer consent for all hard inquiries.Story : This inquiry has caused repeated scrutiny on my credit applications and unnecessary delays in financial transactions. Unauthorized reporting erodes trust and has created financial inconvenience and emotional distress. 
XXXX XX/XX/XXXX Issue : Unauthorized hard inquiry.Law : FCRA Section 604 ( a ) ( 3 ) requires verification of consumer authorization.Story : This inquiry was conducted without my consent, lowering my credit score and causing potential financial harm. The repeated need to dispute unauthorized inquiries has caused stress, frustration, and inconvenience in my financial life. 
I demand immediate investigation, verification, and removal of all inaccurate account entries and unauthorized inquiries. If these items are not corrected promptly, I will escalate this matter with formal complaints to the CFPB, state regulators, and pursue legal remedies for damages caused by negligent and inaccurate reporting.

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