Consumer complaint received 2025-10-08 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: OH

Complaint narrative:
I am submitting this formal complaint to dispute multiple inaccuracies on my credit report that are severely impacting my creditworthiness, financial opportunities, and personal well-being. These inaccuracies include fraudulent or unrecognized charge-offs, misreported late payments, collections for which I am not responsible, incorrect addresses, and unauthorized hard inquiries. I assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand immediate investigation and correction or deletion of all inaccurate information. Each item is detailed below with supporting facts and legal basis : XXXX XXXX XXXX, XXXX XXXX, OH, XXXX Wrong Address This address has never been associated with me. Its inclusion represents a blatant misreporting, raising the risk of identity confusion and potential fraudulent use of my personal information. The false address may have been reported due to clerical error or mistaken identity, but it violates FCRA 15 U.S.C. 1681e ( b ), which requires CRAs to maintain accurate and complete information. This incorrect address has caused repeated verification issues with lenders and service providers and is a source of significant stress and concern for potential identity theft. I demand immediate deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Wrong Address This address is incorrect and has never been linked to me. It compromises the accuracy of my credit history and exposes me to potential fraudulent activity. Continuous reporting of this wrong address increases the likelihood of being misidentified, causing wrongful credit denials. Under 15 U.S.C. 1681i ( a ), I demand investigation and deletion of this inaccurate information. 
XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$700.00} Charge Off I have no knowledge of this account and never authorized any credit relationship with XXXX XXXX XXXX under this account number. The reporting of a charge-off on an account I did not open is a direct violation of 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers must report only accurate information. This false charge-off has caused credit score damage, loan denials, and severe personal distress. I demand immediate deletion unless valid documentation proving my liability is provided. 
XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$400.00} Charge Off This account is also fraudulent or inaccurately reported. I deny any responsibility for this account. Its reporting as a charge-off has negatively impacted my ability to secure financing and caused unnecessary emotional stress. I insist on immediate investigation and deletion unless verified under FCRA guidelines. 
XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I am not responsible for this account, which may have been opened fraudulently or misreported. A charge-off on my credit history without my consent or knowledge constitutes identity misrepresentation. Such reporting violates 15 U.S.C. 1681i ( a ), requiring deletion if verification can not be provided. This inaccuracy has prevented me from obtaining credit approval and caused reputational harm. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$750.00} Late Payment I have never missed a payment on this account. Reporting a late payment falsely implies negligence on my part, which is completely inaccurate and harmful. This is a violation of FCRA 1681i ( a ), as it reports unverifiable and incorrect payment history. Such misinformation affects my creditworthiness, causing potential higher interest rates and loan denials. I demand the correction of the payment history to reflect accurate, timely payments. 
XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$500.00} Late Payment I have never been late on payments for this account. Falsely reporting a late payment damages my credit profile, limits access to credit, and may negatively affect employment opportunities requiring credit checks. Reporting such inaccurate information violates my rights under FCRA and common law principles governing accuracy in financial reporting. I demand immediate correction to reflect a truthful payment history. 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I have no knowledge of or relationship with this account. Reporting a charge-off for an account I did not open is completely inaccurate and constitutes a violation of FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers provide only accurate information. This false charge-off has caused credit score damage, financial obstacles, and undue stress. I demand immediate deletion unless valid verification is provided. 
XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I have never missed a payment on this account. The reporting of a late payment falsely portrays me as delinquent, negatively affecting my creditworthiness, interest rates, and loan approval chances. This misreporting violates FCRA 1681i ( a ), which requires correction of inaccurate information after dispute. I demand correction to accurately reflect timely payments. 
XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I have never made any late payments on this account. The misreported late payment is causing unnecessary harm to my credit profile and potential denials for financial services. This is a clear violation of FCRA and must be corrected immediately. 
DEPT OF EDUCATIONXXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Late Payment I have consistently made payments on time for my education loan. Reporting a late payment inaccurately depicts me as negligent and impacts my ability to refinance or secure other loans. Under FCRA 1681i ( a ), I demand the correction of the payment history to reflect accurate and timely records. 
XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off I have no knowledge of or relationship with this account. The charge-off is fraudulent or inaccurately reported. FCRA 15 U.S.C. 1681i ( a ) requires deletion if verification can not be provided. This false entry has caused reputational damage and financial hardship. Immediate deletion is required. 
XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$1000.00} Charge Off I have no record of this account and deny liability. Reporting a charge-off without my authorization violates FCRA obligations for accurate reporting. This entry negatively affects my creditworthiness and access to financial products. I demand immediate investigation and deletion unless verified with proper documentation. 
XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$0.00} Late Payment I have never missed a payment on this account. Falsely reporting a late payment is misleading and harmful, violating FCRA 1681i ( a ). It has caused denials and higher interest rates on my credit applications. I request correction to reflect accurate payment history. 
XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$22000.00} Collection I am not responsible for this debt. Reporting this collection without verification constitutes a severe misrepresentation and harms my credit profile. FCRA 15 U.S.C. 1681i ( a ) mandates deletion if the account can not be verified. This false collection has caused significant financial and emotional distress. I demand immediate removal. 
XXXX XXXX Date Opened XXXX XXXX, XXXX High Balance {$1600.00} Collection I have no knowledge of this collection account. Reporting it inaccurately as a collection negatively impacts my credit score and financial reputation. This violates FCRA guidelines for accurate reporting. I request immediate deletion unless verifiable proof is provided. 
XXXX XXXX Date Opened XX/XX/XXXX High Balance {$520.00} Collection I deny any responsibility for this debt. This account has been reported without my authorization and is causing severe financial harm. FCRA requires that unverifiable or inaccurate collection accounts be removed promptly. I demand immediate deletion to prevent further damage. 
XXXX XXXX Date Opened XX/XX/XXXX High Balance {$390.00} Collection I have never had any relationship with this account. The collection reporting is erroneous, impacting my credit score, causing loan denials, and causing undue emotional stress. This violates FCRA and applicable consumer protection laws. I demand investigation and removal. 
Hard Inquiries : XXXX XXXX XXXXXX/XX/XXXX Inquiry I deny authorizing this inquiry. FCRA 1681b ( f ) requires that unauthorized inquiries be removed. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry I did not consent to this credit check. Removal is requested immediately. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Unauthorized inquiry negatively impacting my credit profile. I demand immediate removal. 
XXXX XXXX XX/XX/XXXX Inquiry This inquiry was not authorized by me and must be deleted as per FCRA. 
XXXX XXXX XXXX, XXXX Inquiry I deny authorizing this inquiry. It is negatively affecting my creditworthiness and must be removed. 
These inaccuracies have caused demonstrable harm including credit denials, higher interest rates, financial stress, and potential exposure to identity theft. I formally request that the Consumer Financial Protection Bureau compel the credit reporting agencies and furnishers to : XXXX. Conduct a thorough investigation under XXXX5 U.S.C. 1681i ( a ) XXXX. Delete unverifiable accounts, fraudulent charge-offs, and collections XXXX. Correct all misreported late payment statuses XXXX. Remove all unauthorized hard inquiries XXXX. Provide written confirmation of all corrections or deletions performed Failure to comply will result in further legal action, including claims for damages under FCRA 15 U.S.C. 1681n, 1681o, and other consumer protection laws. I am exercising my statutory rights to ensure the integrity and accuracy of my credit report and expect resolution within the legally mandated XXXX period. 
Thank you for your urgent attention to this critical 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