Consumer complaint received 2025-08-26 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: IN

Complaint narrative:
To Whom It May Concern I am writing to formally dispute several items on my credit report that are incorrect, misleading, and have caused significant financial and emotional harm. I request an immediate investigation and correction of the following items under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX XXXX XXXX XXXX, IL XXXX Issue : Wrong address reported on my credit file Law : FCRA 609 and 611 require that all information reported must be accurate and verifiable ; reporting incorrect addresses violates these provisions Story : This address is not associated with me in any way. Reporting it as my address has caused lenders, service providers, and credit institutions to question my residency history. I have faced repeated issues with loan applications, mortgage approvals, and account verifications due to this error. It is extremely stressful to be linked to a property where I have never lived, creating confusion, delays, and unnecessary questioning of my identity and financial behavior. The false address has made me feel unfairly scrutinized and has negatively impacted my financial stability and credibility XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Issue : Charge-off reported incorrectly Law : FCRA 623 requires furnishers to report accurate information ; FDCPA 807 prohibits misrepresentation of debt Story : Reporting this account as a charge-off is completely false because the balance is {$0.00} and there is no evidence of default. This incorrect reporting paints me as irresponsible and financially negligent, which has caused me to be denied credit cards and loans. I have been forced to pay higher interest rates on existing accounts because lenders perceive me as a high-risk borrower. The emotional distress of being falsely labeled as someone who defaults on debts is immense. This error not only harms my financial reputation but also affects my day-to-day life, making even simple financial transactions stressful and discouraging XXXX XXXXXXXX High Balance : {$210.00} Date Opened : XX/XX/XXXX Issue : Charge-off reported inaccurately Law : FCRA 623 requires furnishers to provide accurate and complete information Story : This small account has been reported as a charge-off, which is inaccurate. The incorrect reporting has falsely portrayed me as someone who can not manage even minor financial obligations. This false impression has caused lenders to deny me credit opportunities, forcing me to rely on high-interest or short-term loans. The psychological impact of being labeled as a defaulter for such a minor account is stressful and humiliating. I have experienced sleepless nights worrying about my financial reputation and its long-term consequences, all because of a report that does not reflect reality XXXX Date : XX/XX/XXXX Issue : Hard inquiry listed without my authorization Law : FCRA 604 ( a ) prohibits unauthorized inquiries ; only permissible inquiries with my consent are allowed Story : This inquiry appears on my credit report without my knowledge or consent. Unauthorized inquiries lower my credit score, and lenders view them as a sign of credit-seeking behavior or financial instability. As a result, I have faced rejections for loans and credit cards, causing financial setbacks and XXXX It is alarming that my personal information is being used in ways I did not authorize, creating fear of identity theft and additional fraudulent activity XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Issue : Hard inquiry listed without authorization Law : FCRA 604 ( a ) ensures only authorized inquiries may be listed Story : The appearance of this inquiry is unauthorized and has negatively impacted my credit profile. It signals risk to lenders, and I have experienced denial of credit and higher interest rates as a result. The false inquiry also causes ongoing stress and confusion whenever I review my credit report or attempt to apply for financial services, affecting both my financial planning and peace of mind XXXX Date : XX/XX/XXXX Issue : Hard inquiry listed without my consent Law : FCRA 604 ( a ) requires consumer consent for inquiries Story : This inquiry falsely indicates that I authorized a review of my credit when I did not. It reduces my credit score and gives lenders a misleading picture of my financial behavior. This false reporting has resulted in loan application denials, additional scrutiny on my financial records, and significant emotional stress. Being wrongly labeled as someone actively seeking credit has caused real financial consequences and emotional strain, creating frustration and XXXX in managing my personal and business finances I demand that all disputed items be thoroughly investigated and removed or corrected immediately in accordance with FCRA and FDCPA requirements. I also request written confirmation once these corrections have been made.

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