Consumer complaint received 2025-08-23 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: AL

Complaint narrative:
b'Dear CFPB,\nI am filing this complaint because my credit report contains multiple inaccurate, unverifiable, and harmful items that are violating my rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These inaccurate entries are causing me serious financial harm, including credit denials, higher interest rates, housing difficulties, and emotional distressXXXX XXXX XXXX XXXX AL XXXX  Wrong Address Issue This is another address that does not belong to me Law FCRA Section 609 requires credit bureaus to provide full disclosure of what they are reporting and only keep verified information Story This wrong address gives the impression that I may be connected to debts or accounts that actually belong to someone else living at that address This creates risk of mixed files and possible identity confusion I should not suffer because of sloppy reporting practices yet I continue to face denials and suspicion from creditors who think I am tied to multiple addresses with potential debts\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff Issue This account is reported as a chargeoff when it should not be Law FCRA 1681i requires reinvestigation of disputed accounts Story The harm here is that a small balance of XXXX  being reported as a chargeoff creates the false idea that I am unwilling to pay even a very small debt This paints me as careless and has unfairly caused lenders to reject me I had one instance where I tried applying for a store card and was denied because of this chargeoff which made me feel degraded in front of others as if I was financially recklessXXXX XXXX XXXX XXXX  High Credit XXXX  Open Date XXXX XXXX XXXX  Chargeoff Issue Wrongly reported chargeoff Law FCRA 1681s-2 prohibits inaccurate reporting by furnishers Story This account is blocking my financial growth and creates stigma as though I defaulted on a XXXX  obligation I have had to explain multiple times to creditors that this account is reported wrongfully and every time it feels like I am being accused of something I did not do It is stressful humiliating and unjustXXXX XXXX  High Credit XXXX Open Date XXXX XXXX XXXX Chargeoff Issue Reported as chargeoff inaccurately Law FDCPA Section 807 prohibits misrepresentation of debt Story This report keeps me locked out of affordable credit options Whenever I try to rent an apartment landlords pull my credit and see this chargeoff which makes them doubt my ability to pay rent on time It has placed me in situations where I had to settle for less desirable housing options because my credit falsely painted me as a financial risk This is not just numbers on paper it is a direct attack on my life stability\XXXX XXXX XXXX XXXX High Credit XXXX  Open Date XXXX XXXX XXXX  Chargeoff Issue Wrongful chargeoff Law FCRA 1681c mandates only complete accurate information Story The story here is that this XXXX chargeoff makes me look unreliable even though it is being misreported Because of this I was denied for a credit-building program which could have improved my life and helped me grow financially Instead I continue to face barriers because of this inaccurate reporting\XXXX XXXX XXXX  High Credit $0.00 Open Date XXXX XXXX XXXX Chargeoff Issue Impossible XXXX  chargeoff Law FCRA 1681i requires deletion of unverifiable items Story This is proof of careless reporting how can a XXXX XXXX account be charged off This entry shows negligence yet it continues to damage me I was denied for an auto loan and when I asked the lender they pointed out items like this saying my credit report looks suspicious This is humiliating and unjustXXXX XXXX XXXX  High Credit XXXX Open Date XXXX XXXX XXXX  Chargeoff Issue Wrong chargeoff Law FCRA 602 calls for fairness accuracy impartial reporting Story This wrongful chargeoff makes me look like someone who walked away from obligations which is untrue Because of this I have faced higher insurance rates being judged by algorithms that assume I am a higher risk customer This unfairly costs me extra money each month which puts even more strain on my financesXXXX XXXX  High Credit XXXX Open Date XXXX XXXX XXXX Chargeoff Issue Wrong report Law FCRA 1681i requires prompt correction Story This error creates a cycle where I am unable to get approval for better opportunities I feel trapped because even though I try to dispute and clear my name the same wrong chargeoff continues to reappear damaging my ability to move forwardXXXX XXXX XXXX XXXX High Credit XXXX  Open Date XXXX XXXX XXXX Chargeoff Issue Another XXXX XXXX chargeoff Law FCRA mandates accuracy Story This is yet another proof that my report is being handled recklessly I am judged unfairly by automated systems and human reviewers both of whom assume I am financially irresponsible when in reality the report itself is flawed\XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Issue Wrongly reported bankruptcy Law FCRA 605 only allows true and verifiable bankruptcies to be reported Story The presence of this bankruptcy has done severe damage I have been treated as someone who walked away from all debts when in reality I never filed bankruptcy Because of this I was denied for a home rental my application was rejected on the spot This left me embarrassed in front of family and caused emotional distress This wrongful entry is ruining major life opportunities that I deserve\nHard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue Multiple inquiries without authorization Law FCRA 604 requires permissible purpose only Story These inquiries have drained my credit score and created the false appearance that I am desperately applying for credit everywhere which is untrue Because of this I was denied for a personal loan when I needed emergency funds for medical expenses I have been questioned by lenders about why so many inquiries exist and it puts me in a defensive position each time as if I am dishonest or hiding something I did not authorize most of these and it is unjust to let them harm my record\nHow This Has Harmed Me (Story):\nBecause of these inaccuracies, I have been denied credit cards, personal loans, and even housing. One landlord rejected my rental application after seeing the false bankruptcy. I was humiliated when I applied for a store card and was denied over a XXXX  chargeoff that should not exist. Wrong addresses make me appear unstable, as though I move constantly, which is false. The unauthorized inquiries dragged my score down, which caused me to be denied emergency financing when I needed funds for medical reasons. These mistakes are not just numbers on a reportthey are blocking my opportunities and causing me emotional distress every day.\nRequested Action:\nI am requesting that the CFPB require the credit reporting agencies and furnishers to:\n\tDelete the wrong addresses.\n\tRemove all inaccurate chargeoff accounts.\n\tPermanently delete the false bankruptcy.\n\tRemove all unauthorized or unverifiable inquiries.\n\tEnsure that my credit file reflects only accurate, complete, and verifiable information as required by law.\nI respectfully ask the CFPB to hold the credit reporting agencies and furnishers accountable for these violations of my rights under the FCRA and FDCPA and ensure immediate corrective action.'

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