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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccuracies on my credit report, including falsely reported collection accounts and unauthorized hard inquiries. Despite my repeated attempts to resolve these matters directly with the creditors and reporting agencies, these errors remain uncorrected. These actions violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. I demand immediate investigation, correction, and removal of all inaccurate information. 
Account Disputes : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Chargeoff, High Balance : {$6100.00}, Date Opened : XX/XX/XXXX This account has been falsely reported as a chargeoff. I have documentation proving on-time payments and communication with the creditor. Reporting it incorrectly has caused significant damage to my credit score, prevented me from obtaining housing loans, car financing, and even employment verification. This misreporting violates FCRA Section XXXX, creates financial instability, and adds extreme emotional distress. Immediate investigation and removal are required. 

XXXX XXXX XXXX XXXX XXXX  Late Payment, High Balance : {$1300.00}, Date Opened : XX/XX/XXXX The reported late payments are entirely incorrect. I have evidence of timely payments that prove the account is current. The false reporting has unnecessarily lowered my credit score, caused anxiety, and hindered my ability to access fair credit. The repeated failure to correct this despite my attempts constitutes negligence and violates my rights under FCRA. Immediate correction is required. 

XXXX XXXXXXXX XXXX XXXX  XXXX, High Balance : {$0.00}, Date Opened : XX/XX/XXXX This account was closed decades ago and should not appear as an active negative. Its continued reporting misleads lenders about my credit history, creating unjust barriers to financial opportunities. The failure to remove this obsolete account demonstrates a disregard for accuracy and fairness, causing emotional and financial strain. I request its immediate deletion. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Chargeoff, High Balance : {$420.00}, Date Opened : XX/XX/XXXX This account is falsely marked as a chargeoff. I have proof of payments and correspondence with the company that have been ignored. The incorrect reporting has directly impacted my credit score, caused distress, and prevented me from securing essential services and loans. I demand full investigation, verification, and removal of this false entry. 

TEXAS XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Chargeoff, High Balance : {$4000.00}, Date Opened : XX/XX/XXXX This account has been inaccurately reported as a chargeoff despite my compliance with agreed payment terms. Its false reporting damages my creditworthiness, limits my financial options, and subjects me to undue stress and frustration. The reporting agencys failure to correct this violates FCRA and consumer protection laws. Immediate action and correction are demanded. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Collection, High Balance : {$0.00}, Date Opened : XX/XX/XXXX This account is inaccurately reported as a collection. I have never incurred any debt with XXXX XXXX under this account number. Its reporting is causing confusion and undue stress, potentially harming my creditworthiness and future financial opportunities. Immediate investigation and removal are required. 

XXXX CRED XXXXXXXX XXXX XXXX XXXX Collection, High Balance : {$8600.00}, Date Opened : XX/XX/XXXX This account has been falsely reported as a collection. I have no record of owing this debt, and reporting it is severely damaging my XXXX XXXX, limiting my ability to secure loans, housing, and employment. The stress and financial hardship caused by this false reporting are significant. I request immediate correction or deletion. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX I have not authorized this inquiry. Its presence on my credit report is misleading and harmful to my creditworthiness. Immediate removal is required. 

ALLY FINANCIAL Inquiry, XX/XX/XXXX Unauthorized inquiry ; I have no application or transaction with this creditor at this date. Immediate deletion is required. 

XXXX XXXX, XX/XX/XXXX Duplicate unauthorized inquiry ; immediate removal requested. 

XXXX XXXX, XX/XX/XXXX I have not authorized this inquiry, and its reporting is a violation of my rights under FCRA. Immediate investigation and deletion are demanded. 
The repeated failure to correct these inaccuracies is causing severe financial and emotional distress, limiting my access to credit, housing, and other essential financial services. Under FCRA Sections XXXX and XXXX, and FDCPA provisions, I am entitled to dispute inaccurate information and have it corrected promptly. If these matters are not resolved immediately, I am prepared to pursue all available legal remedies to protect my rights and financial standing. 
I request that all disputed accounts and unauthorized inquiries be fully investigated, corrected, or removed from my credit report. Please provide written confirmation of the steps taken and the evidence used in your investigation.

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