Consumer complaint received 2025-08-06 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 filing this complaint to formally dispute and request the immediate investigation and permanent correction and deletion of multiple inaccurate, unverifiable, and fraudulent items on my credit report that are causing me substantial harm and financial hardship. The items listed below include multiple incorrect addresses, unauthorized hard inquiries, and inaccurately reported derogatory accounts that violate federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ). These accounts are seriously impacting my creditworthiness, access to housing, employment, and financial stability.

XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address does not belong to me. Its inclusion is a severe error that has caused identity verification issues, suspicion from lenders, and mental distress. FCRA Section 602 ( A ) clearly states Im entitled to accurate data. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX Wrong Address I have never lived in Arizona. This address appearing under my name has led to bank denials, fraud alerts, and panic over possible identity theft. Its inclusion is irresponsible and unlawful per FCRA Section 611 ( a ). 
XXXXXXXX XXXX XXXX XXXX XXXX Charge Off High Balance : {$920.00} Date Opened : XX/XX/XXXXXXXX  This account was charged off with no notification or proper dispute resolution. I had previously submitted hardship documentation due to financial difficulties after job loss and a medical crisis. Ignoring my hardship request and charging off the account anyway violates FCRA 623 ( a ) ( 3 ) and FDCPA 809 ( b ). 
XXXXXXXX XXXX XXXX Charge Off High Balance : {$460.00} Date Opened : XX/XX/XXXXXXXX  I had auto-pay enabled, and no notification was given prior to the charge-off. I believe this account was closed out maliciously. My efforts to validate or resolve this were ignored, which violates FDCPA 807 and FCRA 604 ( b ). 
XXXX XXXX Charge Off High Balance : {$670.00} Date Opened : XX/XX/XXXX This is a duplicate listing also found under XXXX XXXX. This double listing for the same debt severely damaged my credit utilization and score, leading to high interest rates on necessities like car insurance and basic loans. 
XXXX XXXX XXXX XXXX XXXX Late Payment High Balance : {$530.00} Date Opened : XX/XX/XXXXXXXX  The late payment reported here is inaccurate. I had a grace period agreement after losing my income during the pandemic, yet the bank reported me late. I felt betrayed and helpless, especially during a time of vulnerability. This directly violates FCRA 607 ( b ). 
XXXX XXXX Charge Off High Balance : {$2300.00} Date Opened : XX/XX/XXXX This loan was fraudulent or opened under false pretense. I have no recollection of this account and never received billing statements or agreements. It has destroyed my chances of affordable credit. This violates FDCPA 809 ( a ) and FCRA 623. 
XXXX XXXX XXXX XXXX Charge Off High Balance : {$16000.00} Date Opened : XX/XX/XXXX I returned the vehicle voluntarily due to financial hardship. The lender agreed to settle but still marked it as charged off. This broken agreement and false reporting goes against CFPB repossession guidelines and FCRA 611 ( a ). 
XXXX XXXXXXXX Charge Off High Balance : {$1500.00} Date Opened : XX/XX/XXXXXXXX  This charge-off was reported after I entered dispute status. No documentation, no contract, no validation ever sent. This has cost me two denied apartment applications. FCRA 623 and FDCPA 809 were clearly violated. 
XXXX XXXX Late Payment High Balance : {$3000.00} Date Opened : XX/XX/XXXX This student loan was in deferment. Reporting it late during forbearance is completely unjust. As a struggling student, this destroyed my credit and chances of co-signing for my younger siblings education. 
XXXX XXXX Late Payment High Balance : {$5200.00} Date Opened : XX/XX/XXXX Again, misreporting while in forbearance. These two entries combined have stalled my attempts to rebuild my life and get back on my feet. FCRA 607 ( a ) demands accuracy. 
DEPT OF ED/XXXX XXXXXXXX Late Payment High Balance : {$7600.00} Date Opened : XX/XX/XXXX This loan was enrolled in IDR ( Income-Driven Repayment ), and should have had {$0.00} payments. Reporting late payment under IDR status is predatory and unethical, violating FCRA 623 ( b ). 
XXXX XXXX Late Payment High Balance : {$8700.00} Date Opened : XX/XX/XXXX I requested hardship assistance due to unexpected XXXX and XXXX. Instead of supporting me, they reported me late. I still receive threats. This has affected my health and peace of mind. FDCPA Section 809 violated. 
XXXX XXXX XXXX XXXXXXXX XXXX Late Payment High Balance : {$25000.00} Date Opened : XX/XX/XXXX This vehicle was voluntarily surrendered and settlement agreement reached. Still, I was reported late and charged off in parts. This double damage is malicious and a breach of FCRA 623 ( a ) ( 2 ). 
XXXX XXXX XXXX XXXX Collection High Balance : {$1000.00} Date Opened : XX/XX/XXXX I never received validation or a collection notice. I was not given my legal 30-day validation window. This collection has caused constant lender denials. FDCPA Section 809 ( b ) and FCRA Section 611 were violated. 
XXXX XXXX XXXX XXXX XXXX  Collection High Balance : {$920.00} Date Opened : XX/XX/XXXX This company is unfamiliar. No documentation or contract was ever received. This may be a result of stolen identity or third-party sale of false debt. FDCPA 809 ( b ) requires debt validation. 
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Multiple inquiries over different dates with no associated applications. I never authorized this lender to pull my credit on either date. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Multiple entries on different dates with no signed application. This is an abuse of credit inquiry systems. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX No dealings with this entity. Credit pulled without consent violates FCRA 604 and my privacy. 
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I never submitted any loan application with XXXX. These inquiries are unjustified and illegal. 
XXXX XXXXXX/XX/XXXX I never applied for any XXXX XXXX or similar account. Inquiry appears deceptive. 
XXXX XXXXXX/XX/XXXX No application initiated. This appears to be a marketing-based inquiry without proper authorization. 
XXXXXXXX XXXX XXXX XXXX  Inquiry done through dealership while test driving. I did not approve any hard pull. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX No signed documentation or loan application. Inquiry is invalid and harmful. 
XXXX XXXX XXXX XX/XX/XXXX Inquiry done while I was just checking car inventory. Never signed anything. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Duplicate inquiries again, within 2 days. I did not apply more than once. FCRA 607 ( b ) is violated here. 
XXXXXXXX XXXX XXXXXX/XX/XXXX No application made for XXXX XXXX XXXX This inquiry is deceptive and unpermitted. 
I am requesting the CFPB to immediately investigate each of the above matters, compel the credit bureaus and data furnishers to provide full validation, and delete all inaccurate, unverifiable, and unauthorized data from my credit profile as required under federal law. The failure to correct and resolve these matters has caused me emotional distress, financial hardship, and ongoing denial of housing, employment, and credit opportunities. 
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