Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
I am submitting this complaint because multiple creditors are reporting inaccurate, unverifiable, and misleading information on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These false reports have destroyed my creditworthiness, denied me access to housing, employment, and financial stability, and caused ongoing emotional distress. Below are the accounts and their unlawful issues : XXXXXXXX XXXX XXXX XXXX, MD XXXX Wrong Address This address does not belong to me, I have never lived here nor authorized its reporting. Its presence on my credit file is a direct violation of FCRA Section 607 ( b ) which requires maximum accuracy. The inclusion of this false address has linked me to accounts that are not mine, placing me in financial distress and exposing me to identity theft risks. This error has already resulted in wrongful account associations, unnecessary investigations, and rejections from lenders who question my residency history, which has brought embarrassment and humiliation in front of potential landlords and employers. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX Wrong Address Again, this is not my address, and its inaccurate reporting creates the false appearance of residency and financial association XXXX The credit bureaus are obligated to maintain fair and accurate reporting and must immediately delete this unverifiable address. This type of error reflects negligence in maintaining my consumer file as required by law. This has caused confusion when creditors pull my file and question me about locations I have never lived in, which unfairly damages my credibility and creates the impression that I am hiding something when in reality I am the victim of negligent reporting. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$8900.00} Late Payment This account is being reported with late payments that I strongly dispute. These reported delinquencies are not accurate and violate FCRA Section 623 ( a ) ( 1 ) ( A ). I demand full validation with complete payment history, original creditor verification, and proof of accuracy. The harm caused to my creditworthiness has been severe, leading to loan denials and higher interest rates. These negative marks have blocked me from refinancing opportunities, and lenders have treated me as a high-risk borrower despite my attempts to maintain my financial responsibilities. This error has placed unnecessary financial burden on me and my family and has made it harder to stabilize my situation. 
XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$210.00} Charge Off This is a fraudulent and unverifiable account. I never authorized such a debt, and no contract or signed agreement has ever been provided to me. Reporting this as a charge off is unlawful under FCRA Section 609 and FDCPA Section 809 ( b ). I am demanding deletion due to lack of proper validation. This small balance has created a disproportionately large impact by dragging my score down, causing lenders to see me as irresponsible when I never agreed to such a debt, and I am suffering ongoing denials that make me feel punished for something I never did. 
XXXX XXXX Date opened XXXX XXXX, XXXX XXXX {$2600.00} Charge Off This account is being reported inaccurately and without full documentation. Without proof of contract, original signed documents, and accurate accounting, this reporting must be removed. The continued reporting of this item has damaged my financial reputation and prevented me from qualifying for professional opportunities that require clean credit history. This has caused stress, anxiety, and loss of credibility in my community, which I do not deserve. 
XXXX XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX Balance {$6700.00} Charge Off The reporting of this account is inaccurate and damaging. No validation or proof has been provided despite repeated disputes. The continued furnishing of unverifiable information violates my rights under FCRA Section 611 and is considered willful non-compliance. Because of this false reporting, I have been denied access to affordable credit lines, which has made it extremely difficult to handle emergencies and provide financial stability for my household. 
XXXX XXXX Date opened XX/XX/XXXX Balance {$7400.00} Charge Off This entry is highly questionable and disputed. There is no clear evidence of its accuracy or legitimacy. The creditor and bureaus are in violation for continuing to report unverifiable information. As a result of this, I was recently turned down for an auto loan, and my attempts to secure housing have been impacted, forcing me into financial strain and instability through no fault of my own. 
XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00} Late Payment Reporting late payments on an account that reflects a {$0.00} balance is misleading and unfair. Such actions violate the duty of furnishers to report accurate information. This has created confusion and raised suspicion with lenders who have questioned me about late payments even when I owed nothing, which has tarnished my integrity as a consumer and damaged my ability to rebuild credit. 
XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6700.00} Charge Off This account is being reported with serious derogatory information that is not validated. I never received required notices nor was I provided with an opportunity to dispute before reporting. Because of this, my financial applications have been rejected, and my family is facing real hardship due to higher costs for basic financial products. This is a direct violation of consumer protection laws. 
XXXX XXXX Date opened XX/XX/XXXX Balance {$18000.00} Charge Off This account is listed inaccurately and disputed as not mine. I demand immediate deletion. This error is devastating because the balance is large and creates the impression that I am irresponsible and reckless with credit when in fact I never authorized this account. The weight of this inaccurate debt is keeping me from qualifying for mortgages or rental housing, and it is causing unfair stigma in my financial life. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2600.00} Charge Off This entry is incorrect and is being reported without verification. Failure to validate violates my rights and must result in removal. This item has hurt my debt-to-credit ratio and made me look like a higher risk than I truly am, which has denied me affordable financial products and left me at a disadvantage compared to other consumers. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4100.00} Collection This third-party collection agency is reporting a debt that is unverifiable and disputed. XXXX is a debt buyer that is known for reporting debts without proper documentation. As required by FDCPA Section 809, they must provide full validation. Without proof, this collection must be deleted immediately. Because of this reporting, I have been subjected to harassment by collection agencies, stress, and emotional damage from threats of further action. This false account is preventing me from repairing my financial situation and has affected my health and peace of mind. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$58.00} Collection Reporting such a minor alleged balance in collections without any proper notice, validation, or opportunity to dispute reflects negligence and bad faith. This reporting is unlawful under FCRA and FDCPA. Even though the balance is small, the harm is great, as my score has dropped and lenders treat me as though I am careless, which is false. The humiliation of having such a minor account damage my financial profile is unjust and must be corrected immediately. 
Requested Relief : I request that the CFPB immediately investigate these violations, hold the creditors and credit reporting agencies accountable, and order deletion of all inaccurate, unverifiable, and unlawful reporting. These accounts are being used as a tool to damage my credit standing, and this is a direct violation of my federally protected consumer rights.

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