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: IL

Complaint narrative:
I am submitting this formal complaint to dispute multiple errors, inaccuracies, and unauthorized inquiries on my credit report. These issues have caused profound financial, emotional, and reputational harm. I request an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA 609, 611, 623 ) and Fair Debt Collection Practices Act ( FDCPA 807 ). These violations continue to affect my creditworthiness, access to loans, housing opportunities, and overall financial stability.

XXXX XXXX, XXXX, IN XXXX Wrong Address XXXX XXXX XXXX XXXX, XXXX, IL XXXX Wrong Address Issue : Multiple incorrect addresses are reported under my name. 
Law : FCRA 609 & 611 require credit reporting agencies to maintain accurate personal identification information.

Story : These addresses are completely unrelated to me and have caused repeated miscommunications, wrongful debt collections, and repeated denials of credit applications. Potential creditors have contacted me about debts tied to these addresses, which I have never occupied. This has not only damaged my credit reputation but also exposed me to identity confusion and potential fraud. The stress and inconvenience caused by constant verification requests have been overwhelming, affecting both my professional and personal life. 
XXXX XXXX XXXX Chargeoff, High Balance : {$540.00}, Opened : XX/XX/XXXXXXXX  Issue : Incorrect charge-off reporting. 
Law : FCRA 623 mandates furnishers to report accurately ; FDCPA 807 prohibits false representation.

Story : I have met all obligations related to this account, yet it is being reported as a charge-off. This false negative mark has led to unjustified denials of new credit, higher interest rates on approved loans, and emotional distress. The inaccurate reporting suggests irresponsibility on my part, causing humiliation and material financial loss, as lenders view my creditworthiness as significantly impaired. 
XXXX XXXXXXXX Late Payment, High Balance : {$3100.00}, Opened : XX/XX/XXXX Issue : Erroneous late payment reporting. 
Law : FCRA 623 ; FDCPA 807.

Story : I have consistently made all payments on time. The inaccurate report has caused lenders to perceive me as a high-risk borrower. I have been denied refinancing opportunities and faced higher interest rates, costing me thousands of dollars. Additionally, the stress of being wrongly accused of financial negligence has taken a significant emotional toll. The false late payment entry damages my credibility and long-term financial planning. 
XXXXXXXX XXXX XXXX XXXX Late Payment, High Balance : {$30000.00}, Opened : XX/XX/XXXX Issue : Inaccurate late payment reporting. 
Law : FCRA 623.

Story : This false reporting has significantly lowered my credit score, leading to rejection of critical loan applications and increased borrowing costs. Lenders rely on accurate payment histories, and this inaccuracy misrepresents my financial responsibility. The ongoing presence of this false negative affects my ability to secure housing, finance education, and plan for emergencies. The stress, financial loss, and reputational damage are severe and prevent me from achieving financial stability. 
XXXX  XXXX Bankruptcy, Reference # XXXX, Court U.S. Bankruptcy Court Bankruptcy Issue : False bankruptcy reporting. 
Law : FCRA 611 requires verification directly with court records.

Story : I have never filed for bankruptcy. Associating me with a XXXX  XXXX bankruptcy has drastically impacted my creditworthiness. I have been denied mortgages, auto loans, and credit cards. This false report is deeply humiliating, has caused financial losses, and severely affects my ability to plan for the future. The reputational damage from being incorrectly labeled bankrupt has caused personal stress and strained professional relationships, as potential landlords, employers, and financial institutions have questioned my reliability. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : Unauthorized hard inquiries without my consent. 
Law : FCRA 604 ( a ) ( 3 ) requires consumer authorization for credit checks.

Story : These inquiries were made without my knowledge or consent, impacting my credit score and resulting in higher interest rates and denial of loans. Each unauthorized check misrepresents my credit activity and exposes me to potential identity theft. The cumulative effect of these unauthorized inquiries has directly harmed my financial standing, delayed critical financial transactions, and caused unnecessary stress and uncertainty regarding my creditworthiness. 
I demand the immediate investigation and correction of all inaccurate addresses, false negative account information, and unauthorized inquiries. These violations of federal law continue to inflict severe financial and emotional damage. Please provide written confirmation that all disputed items have been corrected or removed from my credit report.

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