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: TX

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint regarding multiple inaccurate and harmful entries being reported on my credit profile. These errors are directly damaging my financial standing, credibility, and access to necessary credit opportunities. Despite my efforts to dispute these accounts directly with the credit bureaus and creditors, the inaccurate information remains, causing me continued harm. Below, I am listing each account along with the issues, applicable laws, and my story behind why these entries must be corrected or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Issue : This Ohio address is not mine. Law : FCRA 609 gives me the right to know the sources of information being reported. Story : I have never lived in Ohio, yet my report shows this address as part of my history. This is not just inaccurateit suggests possible identity theft or mixed credit files. I am being linked to a region hundreds of miles away where I have no family, no work history, and no connection. Having such an address on my report makes lenders suspicious and unfairly harms my credibility as a borrower. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Wrong Address Issue : Not associated with me in any way. Law : FCRA 604 ( a ) ( 3 ) restricts furnishing inaccurate consumer information. Story : Having an Ohio address on my Texas-based credit file not only creates confusion but also suggests fraud. This error makes me look financially unreliable and exposes me to potential identity theft risks because it looks as though I may be using multiple out-of-state identities. 
XXXX XXXXXXXX High Balance : {$220000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payments are being inaccurately reported. Law : FCRA 611 requires deletion of unverifiable data ; FDCPA 807 prohibits false reporting. Story : This is a large loan, and any false late payment severely impacts my creditworthiness. Despite my requests for validation, no documentation was provided proving the accuracy of the late payment claims. Because of this, I have been denied refinancing opportunities and forced into higher interest rates, costing me thousands of dollars and creating undue financial hardship. 
XXXX XXXXXXXX High Balance : {$760.00} Date Opened : XX/XX/XXXX Charge Off Issue : Charge off status is incorrect. Law : FDCPA 809 requires proper validation before reporting debt. Story : The account was reported as a charge off without providing proof that the balance was accurate or that the debt was collectible. This false reporting gives the impression of irresponsibility on my part when, in reality, the creditor failed to validate the account. It has caused me to be denied even basic secured card applications, forcing me into financial exclusion. 
XXXX XXXX High Balance : {$820.00} Date Opened : XX/XX/XXXX Charge Off Issue : Wrongly reported as charge off. Law : FCRA 611 requires reinvestigation and deletion if unverifiable. Story : This account was marked as charge off without a proper investigation, leading lenders to believe I abandoned responsibility. This false impression lowers my score and damages my character as a consumer. 
XXXX XXXX XXXX High Balance : {$720.00} Date Opened : XX/XX/XXXX Charge Off Issue : Wrongfully listed as charge off. Law : FDCPA 807 prohibits misrepresentation of debt. Story : XXXX XXXX failed to validate this alleged charge off. As a result, my reputation is damaged, and I face constant denials for credit cards and even higher insurance premiums, which is unfair and unlawful. 
XXXX XXXX XXXX High Balance : {$800.00} Date Opened : XX/XX/XXXX Charge Off Issue : Inaccurately reported charge off. Law : FCRA 607 requires accuracy. Story : This false entry portrays me as financially irresponsible. In reality, no valid proof has been presented. Yet, the charge off stays on my file, dragging my score down by over XXXX points. 
XXXX XXXX XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Charge Off Issue : Incorrectly reported as charge off. Law : FDCPA 809 ( b ) requires validation. Story : This account has been listed negatively despite my disputes. It has caused me to be denied rental applications and has made employers who run background checks see me as financially unreliable. 
XXXX XXXX High Balance : {$700.00} Date Opened : XX/XX/XXXX Charge Off Issue : Charge off status not verified. Law : FCRA XXXX requires deletion if unverifiable. Story : XXXX has not proven this debt to be valid, yet continues to report me negatively. This prevents me from accessing affordable credit and forces me into predatory alternatives, creating financial stress. 
XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment Issue : False late payment reporting. Law : FCRA 623 requires furnishers to report accurately. Story : A small balance has been exaggerated by false late payment status, unfairly lowering my score and portraying me as careless with obligations I never defaulted on. 
XXXX XXXX High Balance : {$710.00} Date Opened : XX/XX/XXXX Charge Off Issue : Account reported as charge off inaccurately. Law : FDCPA 807 prohibits false credit reporting. Story : This entry has destroyed my ability to refinance and consolidate debt. Despite disputes, no supporting documentation was provided, yet it remains on file, which is unlawful and unfair. 
DPT EDXXXX XXXX High Balance : {$2900.00} Date Opened : XX/XX/XXXX Late Payment Issue : Late payment reporting is inaccurate and unverifiable Law : FCRA 611 requires deletion of unverifiable items, and FCRA 623 requires furnishers to report truthfully Story : I have disputed this account multiple times, yet the reported late payments remain without validation. These late payments have unfairly damaged my credit score, blocked me from applying for student loan consolidation, and raised my repayment costs significantly. 
DPT EDXXXX XXXX High Balance : {$5000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Reported late payments are inaccurate Law : FCRA 607 and 611 require accuracy and correction upon dispute Story : This account shows false late payments which have been used against me by lenders when applying for financial aid. This error prevents me from accessing fair repayment programs and portrays me as financially irresponsible when in reality no proper validation has been provided. 
XXXX XXXX High Balance : {$310.00} Date Opened : XX/XX/XXXX Charge Off Issue : Improperly marked as charge off without verification Law : FDCPA 809 requires validation of debt before reporting, and FCRA 611 requires deletion of unverifiable accounts Story : Despite multiple disputes, this account was never validated with proper documentation. Yet it is reported as a charge off, misleading lenders into thinking I abandoned a debt I do not owe. This has caused me humiliation and denial of basic credit cards. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$17000.00} Date Opened : XX/XX/XXXX Charge Off Issue : Wrongful charge off status Law : FCRA 607 requires maximum possible accuracy ; FDCPA 807 prohibits false representation Story : This charge off severely impacts my creditworthiness for auto loans and housing applications. I requested validation and correction, but no verifiable documents were provided. This entry falsely paints me as financially reckless. 
XXXX XXXX XXXX XXXX High Balance : {$54000.00} Date Opened : XX/XX/XXXX Charge Off Issue : Account reported inaccurately as charge off Law : FCRA 611 mandates reinvestigation and correction of false information Story : The large balance makes this false entry especially harmful. It suggests I defaulted on a major auto loan, which is untrue and unverifiable. This error has prevented me from securing transportation financing and unfairly destroyed my reputation with lenders. 
XXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Late Payment Issue : False late payment reporting Law : FCRA 623 requires creditors to update and report accurately Story : This negative mark has been harming me in multiple credit applications. It was not properly validated and remains on my report, creating a false picture of my payment history. 
XXXX XXXX XXXX High Balance : {$7200.00} Date Opened : XX/XX/XXXX Charge Off Issue : Improperly reported as charge off Law : FDCPA 809 ( b ) requires validation of debt Story : This entry was never proven valid. Yet it remains as a charge off, suggesting financial irresponsibility. This false report lowered my score drastically and is blocking me from business-related credit opportunities. 
XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} Date Opened : XX/XX/XXXX Charge Off Issue : Wrongful charge off reporting Law : FCRA 607 requires accuracy and FDCPA prohibits misrepresentation Story : This charge off has not been validated, yet remains on my report. It unfairly suggests I defaulted on a business-related financial obligation. This harms my ability to access small business credit and entrepreneurial opportunities. 
XXXX XXXX XXXX XXXX High Balance : {$0.00} Date Opened : XX/XX/XXXX Collection Issue : Improper and inaccurate collection entry Law : FDCPA 807 prohibits false or misleading credit reporting Story : XXXX XXXX  is notorious for reporting debts without sufficient proof. In this case, the balance even shows {$0.00}, which highlights the inaccuracy. Reporting a {$0.00} collection makes no sense and is misleading. This has still harmed my score and portrays me unfairly to lenders. 
XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection Issue : Collection entry is inaccurate and unverifiable Law : FDCPA XXXX requires debt XXXX to provide written validation, FCRA XXXX requires deletion of unverifiable debts Story : This debt was reported without providing any proper validation. I have no record of receiving documentation from XXXX to prove the accuracy or ownership of this account. Despite disputing, the collection remains, unfairly lowering my score and creating the impression that I avoid paying legitimate debts when this debt has not been validated. 
XXXX XXXX XXXXXXXX High Balance : {$570.00} Date Opened : XX/XX/XXXX Collection Issue : Improper collection reporting Law : FDCPA 807 prohibits misrepresentation, FDCPA 809 ( b ) requires debt validation Story : XXXX has reported this collection account without supplying verification. I requested proof but was ignored. This misleading reporting makes me look irresponsible and has already caused denials for credit card applications. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Collection Issue : False collection account reporting Law : FDCPA 807 and FCRA 607 require accuracy in reporting Story : This item was never properly validated but still remains as a collection. XXXX has a record of placing unverifiable debts on consumer reports, and this is another example. It is harming my financial stability and unfairly portraying me as delinquent. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Duplicate and unnecessary inquiry Law : FCRA 604 restricts inquiries to permissible purposes Story : This inquiry, connected with XXXX XXXX , was not authorized by me. It reflects poorly on my file by making it appear as though I am desperately applying for multiple lines of credit. 
XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized credit inquiry Law : FCRA 604 ( a ) ( 3 ) prohibits inquiries without a valid consumer application Story : I never applied for a XXXX XXXX credit card during this period. This inquiry was placed in error, damaging my score and portraying me as applying for more credit than I actually did. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Inquiry placed without my consent Law : FCRA 604 prohibits furnishing of consumer reports without permissible purpose Story : I never authorized SphereCommerce to run my credit. This hard inquiry has unfairly lowered my credit score and creates unnecessary red flags with other creditors. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Unauthorized hard inquiry Law : FCRA 604 requires creditor to have consumer consent Story : I did not apply for a XXXX XXXX during this timeframe. This unauthorized inquiry is inaccurate and harmful to my credit score.

Overall Harm and Consumer Impact The above inaccurate accounts represent a pattern of negligence and non-compliance by furnishers and credit bureaus. My rights under FCRA and FDCPA have been violated repeatedly. These errors have made it extremely difficult for me to obtain fair credit, rent housing, or even pursue financial stability. As a consumer, I should not be penalized by inaccurate or duplicate reporting that inflates my debt profile.

Requested Resolution : 1. Immediate investigation into the accuracy of these accounts.

2. Permanent deletion of duplicate or unverifiable accounts.

3. Written confirmation of the actions taken to correct my credit profile.

I respectfully request CFPBs urgent intervention to ensure compliance with federal law and to protect my rights as a consumer.

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