Consumer complaint received 2025-08-28 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:
b'To Whom It May Concern,\nI am submitting this formal complaint against several credit reporting agencies and furnishers for knowingly reporting inaccurate, unverifiable, and incomplete information on my credit file. These actions have directly violated my consumer rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq., the Fair Debt Collection Practices Act (FDCPA, 15 U.S.C.  1692 et seq.), and relevant CFPB guidelines.\nThe following accounts and addresses are being wrongfully reporteXXXX XXXX XXXX XXXX TX XXXX  Wrong Address\nThis address is not mine, I have never lived there, and I have no connection to it. The presence of this address has created confusion where creditors have assumed I may be associated with other peoples debts. This is a clear violation of FCRA 607(b) which requires maximum possible accuracy. Because of this wrong address, I have faced questioning during credit applications and even been denied housing because it appeared I had a residence tied to negative accounts. This has created hardship, embarrassment, and unnecessary suspicion around my name. I demand immediate deletion.XXXX XXXX XXXX   High BalanceXXXX XXXX   Date Opened: XXXX  Late Payment\nThis account is showing late payments which I strongly dispute. Creditors must keep accurate records, and under FCRA 607(b) credit reporting agencies must ensure accuracy before publishing. I believe these late payments are either misapplied or reported in error. These late notations have lowered my credit score and harmed my chances of obtaining auto loans and fair credit cards. It has created stress as I am unfairly judged by lenders. This entry is damaging my ability to rebuild my financial stability. I demand full investigation, proof of exact payment history, and deletion if accuracy cannot be proven.XXXX XXXX  High Balance: XXXX   Date Opened: XXXX   Chargeoff\nThis charge-off is reported without proper verification. Under FCRA 611 and 623, furnishers and CRAs must ensure the accuracy of information. I have never received full documentation showing this debt is valid. The way this is reported makes me look financially reckless, which is untrue. Because of this account, I have lost opportunities for housing approval and personal financing. It has affected my ability to live with dignity and stability. I demand immediate deletionXXXX XXXX   High Balance: XXXX  Date OpenedXXXX XXXX  Chargeoff\nThis account is reported as charged off, but no legal proof has been provided. Reporting unverifiable negative information violates FCRA 623(a)(1). The continued reporting of this account has harmed me by blocking me from getting even small lines of credit. I am seen as a high-risk borrower based on this entry, which is not fair or accurate. This false entry has caused me stress and sleepless nights, as I am constantly worried about being judged unfairly. I request deletion if validation is not possibleXXXX XXXX   High Balance: XXXX   Date Opened: XXXX  Late Payment\nThis account is reporting late payments that I dispute. Under FCRA 602(A) Congress recognized the importance of accurate reporting because inaccurate information can destroy lives. These late payments have destroyed my credit reputation, made it impossible to qualify for fair housing or business credit, and have left me feeling helpless. I demand full documentation including billing statements and actual payment records. If this cannot be provided, these late payments must be deleted immediately.XXXX XXXX   High Balance: XXXX   Date Opened: XXXX XXXXate Payment\nThis account is reporting late payments that I dispute as inaccurate. Under FCRA 607(b) credit reporting agencies must maintain maximum possible accuracy, and under FCRA 611 I have the right to dispute and demand reinvestigation. These late payments create the false impression that I am careless with student loan obligations, when in fact I was struggling financially during that period and made every effort to keep accounts current. Because of this reporting, I have been denied opportunities for educational refinancing and have been forced to accept higher-cost lending. This has not only damaged my financial situation but also my mental health, as I constantly worry that my past struggles are being unfairly used against me. I request full documentation including signed contracts, payment ledgers, and evidence of delinquency, or deletion.XXXX XXXX  High Balance: XXXX  Date Opened: XXXX   Late Payment\nThis is another XXXX account reporting late payments. I dispute this as inaccurate. The repetition of late payments across fragmented accounts creates the impression of multiple defaults when in reality, these are the same student loans being reported multiple times. Under FCRA 623(a)(1), furnishers must not report inaccurate or misleading information. Because of this entry, I have been denied personal credit cards and faced embarrassment when lenders questioned me about my reliability. This entry magnifies my financial hardship unfairly. I demand validation of every late payment notation or deletion if such proof cannot be provided.XXXX XXXX   High Balance: XXXX  Date Opened: XXXX  Late Payment\nThis appears to be a duplicate or fragmented version of the same XXXX account. Duplicate accounts are misleading, inflate my debt load, and lower my score, violating FCRA 607(b). These multiple entries make it appear that I have an excessive pattern of delinquency when in fact it is the same loan broken into different fragments. This false reporting has made it harder for me to qualify for housing, forcing me to stay in less desirable living arrangements. It has created stress, embarrassment in front of potential landlords, and has made me feel punished for an error outside my control. I demand deletion of duplicates and validation of any real late payments.XXXX XXXX  High Balance: XXXX   Date OpenedXXXX XXXX  Late Payment\nThis account shows late payments which I dispute. Without full documentation, these negative marks are unlawful under FCRA 609. This entry has contributed to my denial for auto financing, making it difficult for me to provide reliable transportation for my family. It has left me struggling with alternative, high-cost lenders that charge extreme interest. This reporting has caused not only financial hardship but also emotional stress, as I constantly fear being judged unfairly when applying for credit. I demand deletion unless strict proof is providedXXXX XXXX  High BalanceXXXX XXXX   Date Opened: XXXX  Late Payment\nAnother duplicate NAVIENT account reporting late payments. These duplications are not only inaccurate but also unfairly damaging. They portray me as someone with multiple defaults when in fact it is the same loan repeated across different entries. Under FCRA 607(b) and 611, this violates my rights. Because of these duplicates, I have been denied a mortgage pre-approval and was unable to move into a better living environment. This has had real consequences on my quality of life, forcing me to pay higher rent while being trapped in financial instability. I demand deletion of duplicates immediately.\nDPT ED/XXXX XXXX  High Balance: XXXX  Date OpenedXXXX XXXX   Late Payment\nThis Department of EducationXXXX account is showing late payments which I dispute. I was never provided proper validation of these alleged lates. Student loan servicers have a duty under FCRA 623 to report accurately, yet this entry paints me as irresponsible when in reality my payments were disrupted due to financial hardship. These late notations have damaged my credit severely, prevented me from consolidating student loans on better terms, and left me feeling hopeless about rebuilding my financial stability. This is not just a reporting error  it has created daily stress, sleepless nights, and a feeling of being trapped. I demand strict validation including payment history and account statements or immediate deletionXXXX XXXX   High Balance: XXXX  Date Opened: XXXX  Collection\nThis is a duplicate of the XXXX XXXX account. Duplicate reporting is unlawful under FCRA 607(b). This creates the false impression that I have multiple collections when in fact it is the same debt repeated. This duplicate has unfairly lowered my score, made me appear riskier to lenders, and resulted in multiple denials for loans I should have qualified for. This duplication is not just an error  it has affected my ability to move forward financially, trapping me in a cycle of denials. I demand investigation and immediate deletion of duplicatesXXXX XXXX  High BalanceXXXX XXXX   Date OpenedXXXX XXXX  Collection\nI dispute this collection account. Under FDCPA 809(b), I have the right to demand validation of this debt, including the original creditor information, full account history, and proof that the collection agency has the legal right to report this account. None has been provided. Reporting unverifiable debt violates FCRA 607(b) and 611. Because of this false entry, I have been denied opportunities for affordable credit cards and suffered embarrassment when trying to obtain financing. This false reporting has also caused me emotional stress as I am unfairly portrayed as delinquent. I demand strict validation or immediate deletionXXXX XXXX XXXX   High Balance: XXXX  Date OpenedXXXX XXXX   Collection\nThis account is reported as a collection which I dispute. Portfolio Recovery is known for inaccurate and unverified reporting. Under FDCPA 809(b) I have the right to request validation, and under FCRA 623 furnishers must report only accurate information. No proof has been provided to me. This small collection has an outsized negative effect on my credit profile, causing credit denials for even basic necessities. It has painted me as financially irresponsible when no valid documentation exists. I demand deletion unless full validation is provided.\XXXX XXXX XXXX  Inquiry\nThis inquiry is reported without my consent. Under FCRA 604, a permissible purpose is required before pulling credit. I never applied for credit with PNC Bank. This false inquiry has hurt me by lowering my score, making me appear desperate for credit. Because of it, I have been denied better financing options. I demand deletion.XXXX XXXX XXXX XXXX XXXXnquiry\nThis inquiry was not authorized by me. It is in violation of FCRA 604(a). I never initiated or consented to this credit pull. It has negatively impacted my score and misrepresents my actions to future lenders, leading them to view me as high-risk. I demand removal.XXXX XXXX  Inquiry\nI dispute this inquiry as unauthorized. This appears to be connected to CCB RISE and is duplicative. Duplicate or unauthorized inquiries violate FCRA 607(b) accuracy standards. This has misled creditors into believing I am applying for multiple accounts when I did not. This entry must be removedXXXX XXXX XXXX XXXX   Inquiry\nThis appears to be a duplicate of the Classic Chevrolet inquiry. Duplicate inquiries are misleading, inaccurate, and unlawful under FCRA 607(b). This duplication worsens the negative impact on my score, making me appear riskier than I am. I demand deletion.XXXX XXXX XXXX XXXX   Inquiry\nI dispute this inquiry as unauthorized. I never applied for credit with XXXX XXXX XXXX on this date. Under FCRA 604, this is unlawful without consent. This false inquiry has lowered my score and created a misleading impression of financial instability. I demand deletion.XXXX XXXX XXXX XXXX dispute this inquiry as unauthorized. XXXX XXXX  had no permissible purpose to access my credit file. This reporting has harmed me by reducing my credit score and causing additional credit denials. I demand deletionXXXX XXXXXXXX XXXX   Inquiry\nThis inquiry was not authorized by me. Under FCRA 604, this is a violation. It has unfairly lowered my credit score and given the appearance that I applied for financing when I did not. This error has damaged my credibility with lenders. I demand deletion.\nDEMAND FOR RELIEF\nI request that CFPB:\n1.\tInvestigate these violations and hold the CRAs and furnishers accountable.\n2.\tOrder immediate deletion of the wrong addresses and unverifiable accounts.\n3.\tEnsure compliance with FCRA and FDCPA to prevent further harm.\n4.\tProvide me with a written resolution of this complaint.\nThese errors are not only damaging my credit but also causing mental distress, loss of financial opportunities, and reputational injury. Continued failure to correct this inaccurate reporting constitutes willful noncompliance under FCRA  616, which allows for civil liability.'

Company response to consumer: Closed with explanation