Consumer complaint received 2025-09-02 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:
I am filing this complaint under my rights protected by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Consumer Financial Protection Act.

My credit report contains multiple inaccurate addresses, charge-offs, collections, late payments, and unauthorized inquiries. These entries are either unverifiable, fraudulent, or duplicative. Because of them, I have been denied credit, housing, and financial opportunities. I have also suffered XXXX XXXX, embarrassment, and financial hardship. 
I request that the CFPB investigate these items and enforce deletion of all inaccurate or unverifiable information. 
XXXX XXXX XXXX, TX XXXX Wrong Address This address is wrong and has no connection to me. Credit bureaus failed to reinvestigate properly even after disputes. Under FCRA 1681i ( a ), they must reinvestigate and delete unverifiable information, yet this continues to appear. Because of this, I have been treated as if I am associated with other individuals, creating risk of identity theft. I was denied a car loan when the lender questioned why so many wrong addresses were attached to my report. This is an unnecessary humiliation and violation of my consumer rights. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This is another wrong address that has created confusion and false associations. I have faced questioning from creditors asking why my addresses do not match my identification. This error damages my credibility as a responsible consumer. Under FCRA 1681c, obsolete or false addresses must not remain on a report. Its continued presence violates my rights and must be deleted without delay. 
XXXX XXXX High Balance : {$690.00} Date Opened : XX/XX/XXXX Charge Off This account is being reported as a charge off, but no documentation proving accuracy has ever been provided. I have repeatedly requested validation but received none. Reporting unverifiable debt violates FCRA 1681s-2 ( a ) and FDCPA 1692e. Because of this false report, my credit score has dropped severely, and I was denied approval for a rental apartment, causing instability for my family. The XXXX XXXX of being treated as irresponsible for something not properly validated has harmed me personally. 
XXXX XXXX XXXX High Balance : {$970.00} Date Opened : XX/XX/XXXX Charge Off This item is reported as a charge off without proof. No signed contract, statements, or evidence of my responsibility has been given. Under FCRA 1681i ( a ), this must be reinvestigated. Instead, bureaus ignored my dispute and left the item. This has directly caused higher interest rates on my current credit accounts. Lenders see me as a risk because of this unverifiable account. This has put me in deeper financial hardship, which is unfair and unlawful. 
XXXX XXXX XXXX High Balance : {$880.00} Date Opened : XX/XX/XXXX Charge Off This XXXX  XXXX account is harming me unfairly. It is reported as a charge off with inconsistent balances and payment histories. Under FCRA 1681e ( b ), they must maintain accuracy, but they have not. I was denied a credit card upgrade recently because of this false entry. The humiliation of being told I am too risky when I know this account is not properly validated has caused XXXX, sleepless nights, and emotional suffering. 
XXXX XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Charge Off This XXXX XXXX account shows as a charge off but is not supported by any evidence. It appears to have been added without validation, which is a violation of FDCPA 1692g requiring proper debt validation. Because of this, I was denied a personal loan I needed for medical expenses. The denial created additional hardship as I had to borrow money from family and feel embarrassed about my financial standing. This account must be deleted immediately. 
XXXX XXXX XXXXXXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Charge Off This XXXX XXXX  account is a large balance being reported as a charge off. The reporting is damaging me severely and unfairly. No contract, payment record, or legal proof has ever been provided. Under FCRA 1681s-2 ( b ), the furnisher must investigate when disputed. They failed to do so. Because of this entry, I was denied a mortgage refinance, which cost me thousands in additional interest payments. The XXXX  and loss I have endured because of this false reporting is enormous. 
XXXX XXXX XXXX XXXX High Balance : {$34000.00} Date Opened : XX/XX/XXXX Charge Off This XXXX XXXX XXXX account is reported as a charge off with a high balance that is not accurate. I never received proper validation. It has been reported in a way that makes me look irresponsible when the information itself can not be verified. Under FCRA 1681i and FDCPA 1692e, this is unlawful. This single account alone has prevented me from being approved for a vehicle loan, forcing me to rely on unreliable transportation. It has negatively affected my employment opportunities as well, since reliable transportation is essential. 
XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late payment This account is reporting late payments from XXXX, which is obsolete information. Under FCRA 1681c ( a ) ( 4 ), negative information can not be reported beyond 7 years. Yet this still appears. Because of this, I was embarrassed when a bank officer told me I had late student loan payments from over 20 years ago. This is false, unlawful, and emotionally damaging. It creates the impression that I am financially irresponsible for life, when in fact the law clearly protects me from such reporting. 
XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Late payment This is another obsolete account showing late payments beyond the legal reporting limit. Under FCRA 1681c, this is strictly prohibited. Despite disputes, this entry remains, damaging my score. Because of this, I was denied a small business loan I needed to expand my income. The denial has prevented me from improving my financial life, and I am left with XXXX, XXXX, and fewer opportunities because of illegal reporting. 
XXXX XXXX  XXXXXXXX XXXX  High Balance : {$810.00} Date Opened : XX/XX/XXXX Collection * * This is a duplicate of the above XXXX account. Two different entries for the same debt unfairly punish me twice. Because of this duplication, lenders considered me high risk and denied me a needed auto loan. This forced me to rely on unreliable transportation, which nearly cost me my job. The XXXX, embarrassment, and real-life damage from this duplicate entry is unacceptable. It must be deleted immediately. 
XXXX XXXX XXXX  High Balance : {$430.00} Date Opened : XX/XX/XXXX Collection * * This account is another inaccurate collection. No evidence of liability has been provided. Because of this entry, I was denied a store credit line to purchase essential household goods. I had to borrow money from friends, leaving me humiliated and dependent on others. FCRA 1681s-2 ( b ) requires furnishers to correct inaccurate information, which has not been done. This item must be deleted. 
XXXX XXXX XXXX High Balance : {$730.00} Date Opened : XX/XX/XXXX Collection * * Portfolio Recovery is reporting this debt inaccurately and without validation. Because of this item, I was denied medical financing during an emergency, which left me scrambling to find money for treatment. The XXXX  and fear I endured during that period can not be described. FDCPA 1692e prohibits false or misleading representation of debts. This account must be removed. 
XXXX XXXXXXXX High Balance : {$4700.00} Date Opened : XX/XX/XXXX Collection * This large collection is unverified and damaging. Because of it, my rental application was denied. I was left in an unstable housing situation, unsure where my family could stay. The humiliation of being rejected in front of my children left me broken. Under FCRA 1681e ( b ), reporting agencies must ensure accuracy, but they failed. This unlawful entry must be deleted. 
Hard Inquiries Unauthorized & Damaging Under FCRA 1681b, a credit report can only be accessed for permissible purposes. These inquiries were not authorized by me, and many are duplicative or fraudulent. They have lowered my credit score, created suspicion with lenders, and damaged my ability to secure credit. 
XXXX XXXX  XX/XX/XXXX Duplicate inquiry for the same company. This double reporting worsened my score unfairly. The duplication caused lenders to question my stability, leading to denial of financing. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. I was not even in communication with this company. Because of this, I was denied a personal loan for emergency travel. The XXXX  this caused is still affecting me. 
XXXX XX/XX/XXXX Unauthorized inquiry. I did not pursue credit with XXXX. Because of this, my score decreased, and I was denied a credit card approval. 
XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without permission. It damaged my creditworthiness and created suspicion with other lenders. This is unlawful under FCRA 1681b. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized auto inquiry. I did not apply here. This created the false impression that I was seeking multiple auto loans. This is misleading and harmful. 
XXXX XXXX XX/XX/XXXX Unauthorized inquiry. This reduced my score at a time when I desperately needed financing. Because of this, I was denied approval, leaving me financially stranded. 
Harm & Impact Because of the above inaccurate reporting, I have : Been denied housing opportunities. 
Been denied auto loans and forced to use unreliable transportation. 
Paid higher interest rates on emergency loans. 
Lost credibility with landlords, lenders, and employers. 
Suffered XXXX  XXXX, humiliation, and sleepless nights worrying about my financial stability. 
Requested Action I request that the CFPB investigate and enforce the immediate deletion of : Wrong addresses All charge-offs All unverifiable late payments Duplicate and unverifiable collection accounts Unauthorized and duplicate inquiries These items are inaccurate, unverifiable, and unlawful. I request full deletion to restore my creditworthiness.

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