Consumer complaint received 2025-09-05 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: AR

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, misleading, and improperly reported accounts on my credit report which violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. These inaccuracies have caused significant harm to my creditworthiness, financial reputation, and ability to access loans or credit opportunities. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off Issue : This account is reported as a charge-off even though the balance is {$0.00}. Reporting a zero balance as charged-off is misleading and violates FCRA 1681i ( a ). The incorrect charge-off has caused repeated denials on mortgage and personal loan applications. Each time I applied for credit, lenders flagged this account, delaying important financial decisions and causing emotional stress. I request immediate correction or removal of this inaccurate charge-off status. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$540.00} Charge Off Issue : The account is marked as charge-off despite attempts to resolve the balance. Misreporting this account harms my credit score unfairly. Under FCRA 1681e ( b ), the credit reporting agency must ensure maximum accuracy. The negative report caused me to be rejected for a rental apartment, forcing me to pay more for temporary housing and impacting my personal life significantly. Immediate correction is demanded. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off Issue : Reporting a {$0.00} balance as charge-off is inaccurate, misleading, and violates FCRA 1681i. The continued listing of this account as negative is harming my credit report. This false information led to my personal loan application being denied multiple times, creating financial uncertainty and emotional distress. I request removal or correction. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off Issue : Account is reported as charged-off incorrectly. Misreporting zero balance accounts as charge-offs violates FCRA accuracy requirements. This error has impacted my ability to qualify for new credit cards, resulting in missed rewards opportunities and unnecessary financial inconvenience. Immediate investigation and correction are requested. 
Account : XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$660.00} Charge Off Issue : This charge-off account has been reported without proper verification, violating FCRA 1681i. The inaccurate reporting caused my auto insurance premium to increase due to a perceived higher credit risk. The financial strain and stress from repeated denials are significant. I request verification or deletion of this account from my credit report. 
Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment Issue : Late payment reported incorrectly on a {$0.00} balance account is false and violates FCRA 1681i. The false report made lenders view me as unreliable, leading to multiple rejections for small personal loans needed for emergencies. Each rejection caused added emotional and financial strain. I request correction of this inaccuracy. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$9000.00} Charge Off Issue : This account is charged-off without proper validation and reporting, violating FCRA 1681s-2 ( a ) and FDCPA 1692e. Misreporting such significant debt has caused substantial damage to my financial credibility, including repeated denials for car financing and higher insurance rates. The stress and inconvenience created by these false reports have affected my ability to plan personal finances, housing, and daily life. Immediate investigation and correction are demanded. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00} Charge Off Issue : This account is reported as a charge-off incorrectly. Documentation shows timely payments, yet my credit report reflects a negative status, violating FCRA 1681i ( a ). As a result, I was charged higher interest rates for auto financing, increasing my monthly obligations and causing financial hardship. The repeated questioning by financial institutions and loan officers created unnecessary stress and wasted valuable time. XXXX or removal is demanded. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00} Charge Off Issue : This account shows a charge-off despite my payments being current. Reporting a small balance as charged-off is misleading and violates FCRA 1681e ( b ). This inaccurate reporting led to denial of a small personal loan I needed to cover unexpected car repairs, causing both financial and emotional strain. Immediate correction is required. 
Account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Collection Issue : This account is reported as a collection without proper verification, violating FCRA 1681i and FDCPA 1692e. The inaccurate reporting caused repeated denials for credit cards and personal loans, preventing me from managing urgent financial needs. The stress and inconvenience caused by these false reports are substantial. Immediate investigation and correction are requested. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$720.00} Collection Issue : Duplicate reporting of the same debt as a separate collection is misleading and violates FCRA 1681i ( a ). The duplicate entry confused lenders and negatively affected my credit score, causing loan denials, higher interest rates, and additional financial stress. Removal or correction is demanded. 
Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Collection Issue : This collection account is reported inaccurately, violating FCRA XXXX ( a ) and FDCPA XXXX. Lenders repeatedly flagged this account as delinquent, resulting in multiple denials for auto loans and credit cards. The stress, time, and financial loss caused by this false reporting have been substantial, affecting my ability to manage basic financial obligations. Immediate correction is requested. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} Collection Issue : Duplicate reporting of the same debt without proper verification is misleading and violates FCRA XXXX. This error caused confusion during loan applications, delayed approvals, and added significant emotional and financial strain, forcing me to pay higher interest rates and face repeated loan denials. Removal or correction is demanded. 
Account : XXXX XXXX Bankruptcy XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Issue : Reporting this bankruptcy inaccurately or without proper verification is misleading and violates FCRA 1681e ( b ). Lenders have repeatedly flagged this as an unresolved debt, causing denial of loans and higher interest rates. The misreporting has resulted in financial hardship and emotional distress, forcing me to spend significant time correcting records. Immediate correction is requested.

I request CFPB to investigate these violations and enforce corrections or removals as required by law. These inaccurate reports have caused repeated financial harm, emotional stress, and hindered my ability to access fair credit. Prompt action is essential to prevent further damage to my credit report and financial well-being.

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