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: TX

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unverifiable accounts on my credit report that are causing severe financial, emotional, and reputational harm. These accounts violate my rights under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609, 611, 623, as well as the Fair Debt Collection Practices Act ( FDCPA 809 ) and UDAAP protections. Despite repeated disputes, these errors continue to remain, resulting in repeated loan denials, higher interest rates, housing application denials, and significant emotional distress. 
Incorrect Addresses Reported XXXX XXXX XXXX XXXX XXXXXXXX This address is incorrectly reported and never belonged to me. Reporting false addresses associates me with locations and potential fraudulent activities that I have no connection with. Under FCRA 609 and 611, I have the right to accurate and verifiable reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX This address is also inaccurate. The credit bureau is in violation of FCRA by attaching false residence history, which harms my ability to prove accurate identity.

The continued reporting of these wrong addresses creates confusion, exposes me to potential identity theft, and violates my legal rights to accurate information. 
Accounts in Dispute XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$78000.00} Late Payment This account is inaccurately reported with late payments that are not supported by verifiable documentation. The amount listed is excessive and not properly validated. Under FCRA 609 and 611, the furnisher and the bureau must verify the accuracy of this account with actual account-level documentation, not automated data. The reporting of such a large balance with late payment history has damaged my creditworthiness unfairly, preventing me from accessing housing and credit opportunities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off This account is reported as a charge-off even though the balance is {$0.00}. Reporting a {$0.00} balance account as charged off is a direct violation of FCRA accuracy standards. Under 607 ( b ) of the FCRA, furnishers must follow reasonable procedures to ensure accuracy. The misleading charge-off notation has misrepresented my payment history, lowered my credit score, and caused lenders to see me as high risk when in fact no debt remains. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$500.00} Late Payment This account shows late payments that are not correct. I requested validation of these alleged late payments, but the creditor has failed to provide proper proof as required under the FCRA. Continued reporting of unverifiable late payments violates my rights under 611. This has unfairly portrayed me as irresponsible when I have been making payments on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment This account is listed with late payments despite a {$0.00} balance. Reporting a {$0.00} balance account with late payments is inaccurate and misleading. Under FCRA and CFPB guidelines, credit reporting agencies are required to report only complete and verifiable data. This misleading information is damaging my reputation as a responsible consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off This account is being falsely reported as charged off despite showing a {$0.00} balance. A charge-off should not exist if no balance is owed. This reporting practice is deceptive and violates 607 ( b ) of the FCRA which requires accurate reporting. This error has created serious harm to my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$3300.00} Charge Off This account is reported as a charge-off with no proper validation provided. I requested the original signed agreement, account statements, and payment history, but none were produced. Under FCRA 611, failure to provide this verification requires deletion of the account. The continued false reporting is harming my financial standing and reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off This account is being reported as a charge-off while the balance is {$0.00}. Such reporting is misleading, inaccurate, and unlawful under the FCRA. A {$0.00} balance can not legally be charged off, and this shows a violation of the accuracy provisions in the law. This false reporting has created serious obstacles in my financial life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$830.00} Charge Off * * This account is being reported as a charge-off without proper documentation or validation. I never received any notices of delinquency or verification of the alleged debt. Reporting an {$830.00} charge-off has caused me to be denied credit cards and personal loans. Lenders assume a default, which is entirely false. This violates FCRA 611 and 607 ( b ) requiring accurate reporting. The stress of repeated denials has caused significant emotional strain, affecting my ability to manage daily financial responsibilities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$690.00} Late Payment * * This account reports late payments that I dispute as false. Despite requesting full validation, the creditor failed to provide billing statements or proof of late payment. Reporting unverifiable late payments is a violation of FCRA 623. This false report has led to my denial for medical financing, forcing me to pay higher interest rates elsewhere and causing financial hardship when I needed urgent care. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$850.00} Late Payment * * A brand-new account already showing late payments is suspicious and inaccurate. I have not received a single billing notice indicating delinquency. This false reporting violates FCRA 607 ( b ) and has blocked me from obtaining a new credit card, limiting my financial flexibility for emergencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2100.00} Charge Off * * This account is listed as a charge-off without proper documentation of the debt. I requested the original contract and payment history, but none were provided. Under FCRA 611, this unverified information should be removed immediately. The false reporting has caused multiple denials of personal loans and prevented me from refinancing my auto loan at lower interest rates, creating financial and emotional stress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Charge Off XXXX XXXX XXXX  {$0.00} balance account is reported as a charge-off, which is misleading and violates FCRA 607 ( b ). This false charge-off has made me appear delinquent to lenders, causing me to be denied small personal loans and increased security deposits for rental housing. The repeated denials have negatively impacted my housing stability and financial independence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$3400.00} Charge Off * * This account is reported as a charge-off without providing proof of default. I requested account validation, but no documentation was furnished. Reporting unverified debt violates FCRA 623 and UDAAP protections against misleading consumer information. As a result, I was denied refinancing options and faced higher interest rates on necessary loans, causing financial and emotional hardship. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$4800.00} Charge Off * * Reported as a charge-off without proper verification or proof of balance. This violates FCRA 609 and 611. Because of this false entry, I was rejected for a mortgage and forced to pay higher rates for alternative credit. The reporting has caused continuous stress and forced me to delay essential financial plans. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$0.00} Late Payment * * This account inaccurately reports late payments despite a {$0.00} balance. Reporting late payments with no balance is both misleading and illegal under FCRA 607 ( b ). The false negative mark caused me to be denied retail financing, limiting access to essential goods and creating unnecessary financial stress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$810.00} Late Payment * * Duplicate reporting of the same lender with late payments inflates the appearance of delinquency and is a violation of FCRA 607 ( b ). The credit bureaus failure to remove duplicates has caused multiple loan XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1200.00} Collection * * This account is unverifiable and duplicates another account in reporting. Reporting unverified or duplicate collections violates FCRA 607 ( b ). Because of this, I have been denied loans, forced to pay higher interest, and suffered emotional stress from repeated rejections. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$1100.00} Collection * * Duplicate of the previous account, causing inflated delinquency reporting. The bureaus failure to remove duplicates violates FCRA 607 ( b ). The impact includes denied housing, denied loans, and unnecessary financial stress. 
XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2300.00} Collection * * This is a duplicate of the previous XXXX account, which inflates my reported debt and misrepresents my creditworthiness. Duplicate reporting violates FCRA 607 ( b ). Due to this duplicate, lenders treated me as higher risk, and I was denied multiple loan applications. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1100.00} Collection * * Unverified and inaccurate reporting of this account caused me to be denied financing for essential purchases. Under FCRA 611, this unverifiable information must be removed. The false account has caused repeated stress and limited access to credit. 
XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$1200.00} Collection * * Duplicate reporting of the same debt increases the appearance of delinquency, violating FCRA 607 ( b ). This duplicate reporting has caused higher loan rates and repeated denials, creating financial hardship. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2700.00} Collection * * This collection account is being reported without proper verification. FDCPA 809 requires debt collectors to validate debts upon request. Because of the false collection, I was denied a car loan and forced to pay more in interest elsewhere, causing stress and financial damage.

Hard Inquiries in Dispute XXXX XXXX XXXX  Duplicate inquiry. Reporting the same inquiry twice is misleading and violates FCRA 607 ( b ). This duplication contributes to inaccurate credit scoring. 
XXXX XXXX Duplicate inquiry. Same as above. Increases perceived risk by lenders. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. No consent provided. Violates FCRA 604 ( a ). This has caused repeated denials of financing and emotional stress. 
XXXX XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Reporting without authorization violates FCRA 604 ( a ). Financial harm includes higher interest rates and loan denials.

Conclusion and Relief Requested All accounts and inquiries listed above are inaccurate, unverifiable, duplicates, or unauthorized, causing denial of loans, higher interest rates, housing issues, reputational harm, and emotional distress. I request CFPB to : 1. Investigate and enforce deletion or correction of all unverifiable, inaccurate, or duplicate items.

2. Remove all unauthorized hard inquiries.

3. Ensure compliance with FCRA, FDCPA, and UDAAP.

4. Hold responsible parties accountable for reporting false, misleading, or unverified information.

Immediate correction is necessary to restore my financial standing, creditworthiness, and protect my 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