Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding multiple inaccurate, unverifiable, and misleading items being reported on my credit report. These errors have caused me financial harm, emotional stress, and have restricted my ability to access fair credit opportunities. I have tried to resolve these matters directly with the credit reporting agencies and the furnishers of the information, but they have failed to comply with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). 
Below are the specific disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : This address is not mine. Law : FCRA 607 ( b ) requires agencies to follow reasonable procedures to ensure maximum accuracy. Story : This false address creates a misleading impression that I lived at a place I never did. Because of this, I have been questioned during applications about my residence history, which caused me embarrassment and delays. I have had to explain repeatedly that this is not my residence, making me feel like I am being accused of dishonesty. Such stress and humiliation are unacceptable, especially when I am applying for credit or rental housing. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : Not my residence. Law : FCRA 611 requires proper reinvestigation of disputes. Story : Reporting a false address makes it look like I have unstable housing history. This harms me in ways beyond just creditlandlords view my record with suspicion, and employers question my stability. This false entry has forced me to defend myself against assumptions that I am unreliable, which is mentally and emotionally draining. 
XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Late Payment Issue : Reported late payments without proper proof. Law : FCRA 609 ( a ) gives me the right to full verification. Story : These supposed late payments give lenders the impression that I am irresponsible, when in fact I was never properly informed of such delinquencies. Because of this false reporting, I have been denied credit cards and even faced higher interest rates, which drains my financial stability. It feels deeply unfair to be portrayed as financially reckless based on inaccurate reporting. 
XXXX XXXX XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Charge-Off Issue : Reported as a charge-off without validation. Law : FDCPA 809 requires debt validation. Story : This false charge-off has destroyed my ability to qualify for fair credit. It portrays me as someone who abandoned financial obligations, when in reality no proof exists. Because of this XXXX entry, I have faced repeated denials for apartments, auto loans, and reasonable credit terms. It creates unnecessary shame and anxiety that I should not have to endure. 
XXXX XXXX XXXX High Balance : {$850.00} Date Opened : XX/XX/XXXX Charge-Off Issue : Another unverifiable charge-off. Law : FCRA 611 requires deletion if an account can not be verified. Story : This account wrongly paints me as a financial risk. It prevents me from being trusted with even small lines of credit. I feel like I am locked out of opportunities that could help me rebuild. This false reporting is not just inaccurateit is oppressive, keeping me in a cycle of rejection. 
XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX Late Payment Issue : Reporting late payments without proof. Law : FCRA 609 requires full details of payment history. Story : These late payments damage my reputation. Because of them, I have had to pay higher deposits on utilities and services, which strains my limited resources. It also makes me look like I can not manage even basic accounts, which is humiliating. 
XXXX XXXX High Balance : {$540.00} Date Opened : XX/XX/XXXX Charge-Off Issue : Reported as charged-off without proper documentation. Law : FCRA 602 requires fair and accurate reporting. Story : This entry creates the false impression that I walked away from my obligations. Because of this, lenders hesitate to trust me, and I am punished financially for something that is not even valid. This charge-off not only lowers my score but also emotionally impacts me every time I am denied an opportunity. 
XXXX XXXX XXXX High Balance : {$280.00} Date Opened : XX/XX/XXXX Charge-Off Issue : Unvalidated charge-off. Law : FDCPA 807 prohibits misrepresenting debt status. Story : This entry makes me appear like I defaulted on a small balance that I never received validation for. It makes me look careless and unreliable when there is no evidence. Such false reporting creates a stigma around my financial profile, closing doors to fair opportunities. 
XXXX XXXX High Balance : {$2600.00} Date Opened : XX/XX/XXXX Charge-Off Issue : This charge-off has not been validated. Law : FCRA 611 requires deletion of unverifiable information. Story : This account suggests I defaulted on a loan I never received proper validation for. Because of this, I was denied a personal loan when I urgently needed funds for medical expenses. I had to borrow from friends at great personal shame, and it caused emotional distress to explain to my family why I could not access financial support from legitimate institutions. 
XXXX XXXX XXXX * * High Balance : {$3400.00} Date Opened : XX/XX/XXXX Charge-Off Issue : Reported as a charge-off without proof. Law : FDCPA 807 prohibits false representation of debt. Story : This entry paints me as irresponsible when there is no documentation. It blocked me from qualifying for a furniture financing program, forcing me to live without basic items I needed in my home. I feel punished and trapped by inaccurate reporting that takes away my dignity and comfort. 
XXXX XXXX High Balance : {$200.00} Date Opened : XX/XX/XXXX Charge-Off Issue : Wrongly reported as a charge-off. Law : FCRA 602 requires fair and accurate reporting. Story : A charge-off for such a small balance is unreasonable and misleading. This report made me look like I can not handle even minor accounts. Because of it, my applications for secured credit-building cards were rejected. This blocked me from rebuilding my credit responsibly, keeping me stuck in a damaging cycle. 
XXXX XXXX XXXX XXXXXXXX High Balance : {$24000.00} Date Opened : XX/XX/XXXX Late Payment Issue : This account is showing late payments without proper verification. Law : FCRA 609 gives me the right to full disclosure of account records. Story : Reporting late payments on a large account creates massive harm. Because of this false reporting, I was denied an apartment lease, forcing me to live in a less safe and more expensive situation. Landlords saw this as a sign I was unreliable, when the truth is I was never late in the manner they are reporting. The humiliation and instability this caused to my living situation is devastating. 
XXXX XXXX XXXXXXXX High Balance : {$4800.00} Date Opened : XX/XX/XXXX Charge-Off Issue : Unvalidated charge-off. Law : FCRA 611 requires removal if unverifiable. Story : This report prevented me from accessing affordable financing options. Instead, I was forced to use predatory lenders with extremely high interest rates, draining my income and worsening my financial situation. This created a cycle of debt I am still trying to escape, all because of a false report that should never have been allowed. 
XXXX XXXX XXXX XXXX High Balance : {$440.00} Date Opened : XX/XX/XXXX Collection Issue : Wrongfully reported collection. Law : FCRA 607 ( b ) requires accuracy. Story : This account is damaging because it portrays me as someone who can not repay even small balances. Because of this report, I was forced to pay higher premiums on my car insurance due to my low XXXX XXXX. This creates financial pressure every single month, making it harder to provide for my family. 
XXXX XXXX High Balance : {$610.00} Date Opened : XX/XX/XXXX Charge-Off Issue : This account is reported as charged-off without proper validation.Law : FDCPA 809 requires validation of debt, FCRA 611 requires unverifiable accounts be deleted.Story : This false report portrays me as if I defaulted on an account I never received proper notice for. Because of this, I was denied financing for basic home repairs, forcing me to live with unsafe conditions longer than necessary. The stress this caused my family is immeasurable. 
XXXX XXXX XXXX High Balance : {$660.00} Date Opened : XX/XX/XXXX Collection Issue : Reported as a collection without proper documentation.Law : FDCPA 807 prohibits false or misleading collection entries.Story : This inaccurate collection caused me to be denied a store financing plan. I had to pay out of pocket, leaving me short on groceries that week. It is humiliating to be treated as irresponsible when this debt is unverified. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$840.00} Date Opened : XX/XX/XXXX Collection Issue : Reported collection without validation.Law : FDCPA 809 requires XXXX to provide written proof of debt before reporting.Story : This false report led to me paying higher deposits on utilities, taking away money that should have gone toward food and medication. It directly impacts my quality of life. 
XXXX XXXX XXXX High Balance : {$620.00} Date Opened : XX/XX/XXXX Collection Issue : Duplicate and unverified collection account.Law : FCRA 607 ( b ) requires maximum possible accuracy, duplicate accounts are misleading.Story : This duplication creates double harm, lowering my XXXX XXXX twice for the same alleged debt. I was recently denied a credit card specifically because of multiple collection entries like this one. It unfairly paints me as more delinquent than I am. 
Unauthorized / Harmful Inquiries XXXX XXXX BANK NA XX/XX/XXXX Inquiry Issue : Unauthorized inquiry reported.Law : FCRA 604 requires permissible purpose for inquiries.Story : This hard inquiry lowered my XXXX XXXX even though I never authorized it. Because of this, I was denied another line of credit I needed to consolidate debt. 
XXXX XXXX XX/XX/XXXX Inquiry Issue : Inaccurate inquiry without my consent.Story : This inquiry harmed me by making it look like I was seeking desperate credit, which lenders view negatively. 
XXXX  XX/XX/XXXX XXXX XXXX : Unauthorized inquiry.Story : This inquiry, combined with others, lowered my score enough to disqualify me from a fair housing application. 
XXXX  XX/XX/XXXX XXXX XXXX : Duplicate unauthorized inquiry.Story : This inquiry unfairly hurts my score, adding more negative impact. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : I never authorized this inquiry.Story : This entry has damaged my creditworthiness and caused me stress in trying to explain inquiries I did not approve. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry Issue : Unauthorized inquiry.Story : This inquiry portrays me as applying for accounts I never sought, lowering my credibility with lenders and costing me real opportunities. 
Legal Basis FCRA 602 ( A ) : Requires credit reporting to be accurate and fair.

FCRA 609 & 611 : Gives me the right to request all information and demand reinvestigation when items are disputed. 
FDCPA 807 & 809 : Prohibits debt XXXX from reporting debts without validation and from engaging in false or misleading representations. 
Harm & Damages Because of these inaccurate entries, I have faced denials of credit, higher interest rates, and emotional distress. The reporting agencies and furnishers have failed in their duty to maintain maximum possible accuracy, instead allowing unverified accounts to remain on my report. 
Requested XXXX I respectfully request that the CFPB investigate these violations and compel the credit bureaus and furnishers to : XXXX. Delete these inaccurate and unverifiable accounts from my credit report. 
XXXX. Provide full validation and documentation if they claim the accounts are legitimate. 
XXXX. Ensure compliance with the FCRA and FDCPA to prevent further harm. 
I trust the CFPB will hold these entities accountable for their unlawful reporting practices. Thank you for your time and attention to this serious matter.

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