Consumer complaint received 2025-08-30 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: NV

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report, including false addresses, late payments, charge-offs, and unauthorized inquiries which violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. The reporting of these items has caused severe financial hardship, emotional distress, and tangible harm to my personal, professional, and family life. I demand immediate investigation, correction, and deletion of all inaccurate and unverifiable information. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dispute this address. I have never resided at this location. Reporting this incorrect address has caused repeated loan denials, difficulty opening bank accounts, and unnecessary questioning by lenders about my residency. This misreporting has delayed my ability to secure housing, forced me to incur extra costs for temporary accommodations, and created immense stress for my family. Reporting false addresses is a violation of FCRA Section 609, which requires consumer reporting agencies to maintain accurate and complete information, and Section 611, which mandates dispute investigation and correction of inaccurate items. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dispute this address. I have never used or been associated with this XXXX XXXX . Because of this incorrect reporting, my credit applications and inquiries have been repeatedly rejected, forcing me to pay higher interest rates on existing accounts and delaying critical financial transactions. This has caused emotional distress, frustration, and unnecessary hardship in managing my familys daily needs. Reporting this inaccurate information without verification violates FCRA Sections 609 and 611, and is a clear abuse of federal credit reporting laws. 
Account : XXXX XXXX XXXX High Balance : {$840.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute the reported late payments. I have consistently made my payments on time, yet this account has been falsely reported as delinquent. Because of this error, I was denied an urgent personal loan I needed for medical expenses, which forced me to delay critical treatments and caused extreme stress and XXXX. The misreporting has led to repeated phone calls from lenders questioning my credibility, jeopardizing my ability to secure housing and transportation. The furnisher has failed to provide documentation, and continuing to report these late payments without verification violates FCRA Section 609. 
Account : XXXX  XXXX XXXX High Balance : {$2300.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute the accuracy of this account 's reporting. The alleged late payments are false. Without the original signed agreement and itemized account records, reporting this item is unlawful under federal law. This false information has caused me to be denied rental applications multiple times, forcing me to live in temporary accommodations, endure repeated stress, and spend additional money on last-minute housing arrangements. The emotional and financial burden of this error is ongoing and unacceptable. 
Account : XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute the reported late payments. I have always met my obligations on time. Despite this, the misreporting has caused lenders to charge higher interest rates on other credit lines, limiting my financial options and creating unnecessary financial pressure. I have experienced sleepless nights, constant XXXX, and fear of financial instability due to this incorrect reporting. This constitutes a violation of federal law, and I demand immediate removal of this erroneous information. 
Account : XXXX XXXX XXXX High Balance : {$5400.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute this late payment. The furnisher has not provided any documentation to validate the account. Due to this false reporting, I was denied a business loan essential for a professional opportunity that could have improved my livelihood. The financial and personal impact of this error has been severe, affecting my career, family well-being, and mental health. Reporting unverified information is a clear violation of FCRA, and I demand immediate correction. 
Incorrect Addresses : 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 XXXXXXXX I dispute all reported addresses. These addresses are inaccurate, and the reporting of these incorrect locations has caused material harm to my credit profile, loan approvals, and personal reputation. Lenders and institutions have repeatedly denied applications based on these false addresses, creating ongoing financial insecurity and emotional distress. The inability to correct this misinformation has led to confusion, miscommunication, and unnecessary harassment from creditors and debt collectors. Accurate reporting is required under FCRA Sections 609 and 611. 
Account : XXXX XXXX High Balance : {$22000.00} Date Opened : XX/XX/XXXX Issue : Late Payment I dispute the reported late payment. I have consistently made payments on time, yet this account has been falsely reported as delinquent. Because of this error, I was denied an urgent personal loan I needed for medical expenses for my family. I had to delay critical medical treatments, causing fear, XXXX, and sleepless nights. Additionally, the inaccurate reporting led to higher interest rates on other accounts, financial instability, and repeated denials for basic financial services. This misreporting has caused humiliation and severe stress in managing my day-to-day life. 
Account : XXXX XXXX XXXXXXXX XXXX  High Balance : {$23000.00} Date Opened : XX/XX/XXXX Issue : Charge-Off I dispute this charge-off in its entirety. I never received proper notice or documentation, and I was unaware of any delinquency. The false reporting has caused my auto insurance premiums to skyrocket, delayed refinancing opportunities, and jeopardized my ability to commute to work reliably. This has resulted in lost income, increased expenses, and ongoing stress. My professional reputation has also been affected, as lenders and potential employers have questioned my reliability based on this inaccurate report. 
Account : XXXX XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Issue : Charge-Off I dispute this charge-off completely. I have requested verification multiple times but never received documentation. This false report has caused denial of emergency loans I needed for urgent family expenses, leaving me in financial limbo. I have faced sleepless nights worrying about my ability to support my family, pay bills, and meet basic living expenses. The continued presence of this charge-off is a violation of federal law and has inflicted ongoing emotional and financial distress. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I dispute all hard inquiries listed above. Many of these inquiries were unauthorized or not properly consented to by me. These inquiries have directly damaged my credit score, caused repeated loan denials, and increased the cost of borrowing. I have lost critical opportunities, including emergency funding and professional loans necessary for my career and livelihood. Each unauthorized inquiry has created undue XXXX, forced repeated follow-ups with lenders, and added months of stress to an already difficult financial situation. 
I demand that all inaccurate, unverifiable, and unlawfully reported items including late payments, charge-offs, wrong addresses, and unauthorized inquiries be immediately deleted from my credit report. Continued reporting without verification constitutes willful violation of federal law, causing real financial, personal, and emotional harm. I request written confirmation once corrections are completed and full compliance with federal regulations is ensured

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