Consumer complaint received 2025-09-04 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:
To Whom It May Concern, I am filing this complaint regarding multiple inaccurate, unverifiable, and harmful items being reported on my credit reports by certain furnishers and credit reporting agencies. These accounts and inquiries are creating serious damage to my creditworthiness and are clear violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. I demand an immediate investigation, deletion, and corrective action. 
XXXX XXXX XXXX XXXX, TX XXXX Address A slightly different version of another wrong address. Duplicate wrong entries make my report look suspicious as if Im hiding or moving frequently. This damages my credibility in front of creditors and landlords. It violates FCRA 611 because my previous disputes were ignored. 
XXXX XXXX XXXX XXXX, TX XXXX Address This address mismatch has made my auto insurance rates higher because insurers see instability in my reported residences. Financially, this is a burden every month. Such reporting harms me beyond credit and affects my daily expenses. 
The following accounts are also reported inaccurately and must be removed or corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Charge OfXXXX XXXX XXXX Reporting a charge-off with XXXX balance is inaccurate and misleading. Because of this entry, I was denied a small personal loan that I needed for medical expenses. It created hardship for my family as I had to borrow money elsewhere at a higher interest rate. This violates FCRA XXXX ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$620.00} Issue : Late Payment XXXX XXXX  This late payment reporting is wrong and has damaged my payment history. It prevented me from getting an affordable apartment lease as the landlord used my credit report to assess reliability. The stress of losing housing opportunities has affected my emotional well-being. This violates the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6700.00} Issue : Charge Off This account is reporting as a charge-off which is misleading and inaccurate. Under FCRA 607 ( b ) and 623 ( a ), furnishers must ensure maximum accuracy, yet this account status is damaging my credit profile. Because of this, I was denied refinancing for my auto loan, leaving me with higher monthly payments. This financial strain has affected my household budget and caused stress in supporting my family. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Charge Off This account is reported as a charge-off with a XXXX balance, which is contradictory and misleading. Under FCRA 605 ( a ) and FDCPA 807 ( 2 ), it is illegal to misrepresent the character or legal status of a debt. The false derogatory mark has reduced my credit score and resulted in higher interest rates on other loans. This unfairly punishes me for a debt I do not owe. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment This account inaccurately reflects late payments. Under the Fair Credit Billing Act 1666, I am entitled to accurate billing and reporting. These late payments damaged my payment history and prevented me from being approved for a new credit card. The embarrassment of being denied at the counter while shopping caused both financial and emotional stress. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Wrongly reported late payments are severely hurting my creditworthiness. Under FCRA 611, I am entitled to a proper reinvestigation, which has not been provided. Because of this reporting, I was denied a rental property when my application was flagged for negative credit history. This created housing insecurity for me and my family. 
XXXX XXXX XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Issue : Late Payment Another XXXX account reflecting inaccurate late payments. This duplicate negative entry doubles the damage to my credit profile. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not knowingly furnish inaccurate data. The false reporting has caused me higher insurance premiums and difficulty in obtaining affordable financing. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00} Issue : Collection This collection account is inaccurate and has not been validated. Under FDCPA 809, a consumer has the right to request verification of a debt. No validation has been provided. Because of this false collection, my employment application for a financial services job was denied, which directly impacted my livelihood. 
XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$140.00} Issue : Collection This collection is inaccurate and unverified. Under FCRA 609, I have the right to source documentation proving the validity of this account. None has been provided. Despite the small balance, the negative impact has been enormous I was denied a cell phone financing plan and had to pay upfront, which strained my budget. This reporting is disproportionate and harmful. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Issue : Collection This collection has never been validated. Under FDCPA 809, I have the right to verification of the debt. Because no documentation has been provided, its reporting is unlawful. This false collection has reduced my credit score and caused me to be denied a store financing account I needed for essential household items, creating financial hardship for my family. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3800.00} Issue : Collection This account is inaccurately reported. XXXX XXXX has a history of buying old, unverifiable debts. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not knowingly report inaccurate data. This false collection caused me to be denied for a credit card that I applied for to help rebuild my financial stability. The stress of these denials has deeply affected my daily life. 
XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570.00} Issue : Collection This account has not been validated. XXXX is known for reporting old or duplicate debts. Under FDCPA 807 ( 2 ) ( A ), it is illegal to misrepresent the character or amount of a debt. This reporting caused me to lose a job opportunity in the financial sector when my background check flagged unpaid collections. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} Issue : Collection This is another XXXX entry, appearing to be a duplicate or unverifiable debt. Duplicate reporting of collections is misleading and violates FCRA 605 and 611. The existence of multiple XXXX accounts makes me look riskier to lenders than I am, and I was denied a personal loan as a result. This continues to hold me back from financial recovery. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$520.00} Issue : Collection This is reported twice, which is duplicate and harmful. Under FCRA 607 ( b ), CRAs must ensure maximum possible accuracy. Reporting the same collection twice is negligent and creates a false picture of my obligations. Because of these duplicate XXXX  entries, I was denied financing for an emergency medical bill, which forced me into more debt elsewhere. 
XXXX XXXX XXXX XX/XX/XXXX XXXX I did not authorize this inquiry. Under FCRA 604 ( a ) ( 3 ), a hard inquiry must be permissible and initiated by the consumer. This unauthorized inquiry damaged my score and suggested I was shopping for credit when I was not. This made lenders suspicious of me when I applied for legitimate financing. 
XXXX XX/XX/XXXX Inquiry I never gave consent for this inquiry. Unverified hard inquiries violate FCRA 604 ( a ) ( 2 ). This lowered my score unnecessarily and caused me to be denied a retail card application, which I needed to establish positive credit history. 
Conclusion & Demand The above accounts and inquiries are inaccurate, unverifiable, and in violation of federal law. I am requesting CFPB to conduct a full investigation into the reporting practices of these furnishers and credit reporting agencies. I further request that all unverifiable and duplicate accounts, as well as unauthorized inquiries, be permanently deleted from my credit report. If these violations are not resolved, I will escalate this matter through legal action under FCRA 616/617 and FDCPA 813 for damages and attorneys fees.

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