Consumer complaint received 2025-08-26 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and misleading items on my credit report. These errors have caused me severe financial harm, emotional distress, and have unjustly damaged my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 611 and 623, I have the right to have all unverifiable or inaccurate information investigated and removed immediately. Each account listed below contains clear discrepancies that must be corrected to prevent further harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Wrong Address Similar to the previous entry, this address is entirely unrelated to me. Its inclusion falsely suggests past residency and potential financial responsibility that I never assumed. Lenders and financial institutions have treated this as a red flag, causing rejections, increased scrutiny, and unnecessary delays in loan processing. The repeated need to clarify this inaccuracy has caused emotional distress and financial inconvenience. Under FCRA 609, such false associations are unacceptable and must be corrected immediately. 
XXXX XXXX XXXXXXXX, High Balance : {$710.00}, Opened : XX/XX/XXXX This account has been incorrectly reported as charged off. I have verified all payments and records, and no evidence exists to support this claim. The false charge-off has prevented me from securing loans at reasonable rates, led to collection calls, and impacted my credit score drastically. The XXXX caused by this false reporting has been persistent, affecting my ability to plan financially or pursue opportunities for personal growth. FCRA 623 clearly mandates that furnishers report only accurate account information, and this entry is a direct violation. 
XXXX XXXX XXXX XXXX XXXX Chargeoff, High Balance : {$0.00}, Opened : XX/XX/XXXX Even with a XXXX balance, reporting this account as charged off falsely communicates financial irresponsibility. Lenders have treated this as an indication of poor credit management, resulting in loan denials and higher interest rates. FCRA 623 obligates furnishers to maintain accurate data, and the inclusion of a XXXXbalance charge-off is a clear misrepresentation. This error has led to wasted time, repeated clarifications, and unnecessary stress in my financial dealings. 
DEPTEDXXXX XXXXXXXX Late Payment, High Balances : {$4000.00}, {$5300.00}, {$4500.00}, Dates Opened : XX/XX/XXXX, XX/XX/XXXX These entries falsely report late payments. I have consistently made payments as agreed, and there is no verifiable evidence supporting these claims. False reporting like this directly affects my ability to refinance, increases interest rates, and reduces access to credit. The repeated misreporting over multiple dates demonstrates a pattern of negligence that has caused significant financial loss, stress, and a constant worry over future financial planning. FCRA 623 and 607 require furnishers to report accurately, and these entries violate both statutes. The mental and emotional toll of repeatedly disputing these errors has been immense. 
DEPTEDXXXX XXXXXXXX Late Payment, High Balance : {$6000.00}, Date Opened : XX/XX/XXXX This late payment entry is false. I have consistently made my payments on time and have documentation to prove my compliance. FCRA 623 mandates that furnishers report only accurate information. The false report has negatively impacted my ability to refinance, caused loan denials, and led to increased interest rates. The stress and financial limitations caused by this incorrect entry have been ongoing and substantial, affecting both my personal and professional life. 
XXXX XXXX XXXX XXXXXXXX Late Payment, High Balance : {$14000.00}, Date Opened : XX/XX/XXXX This account incorrectly reports a late payment. All payments were made in accordance with my records, and this false entry has directly harmed my credit score and my ability to secure new loans. FCRA 623 requires accurate reporting, and FDCPA 807 prohibits misrepresentation. The XXXX  repeated collection notices, and financial obstacles resulting from this false report have created significant personal distress and disrupted my financial planning. 
DEPTEDXXXX XXXXXXXX Late Payment, High Balance : {$3500.00}, Date Opened : XX/XX/XXXX This late payment is inaccurately reported. I have maintained timely payments, and no evidence exists to justify this negative mark. The repeated reporting of false late payments demonstrates negligence and has caused direct financial loss, higher interest rates, and emotional strain. FCRA 607 and 623 require reporting agencies to ensure accurate data, which has clearly not been followed here. 
DEPTEDXXXX XXXXXXXX Late Payment, High Balance : {$6000.00}, Date Opened : XX/XX/XXXX This is another inaccurate entry duplicating a previous false report. Duplicates amplify the negative perception of my credit history and unfairly penalize me. Lenders have misinterpreted these errors as genuine delinquencies, resulting in denied credit applications and additional financial burdens. FCRA 611 mandates removal of unverifiable or duplicated information, which is required immediately. 
XXXXXXXX XXXX XXXX XXXX Inquiry, Date : XX/XX/XXXX This inquiry appears to be unauthorized or inaccurately reported. Hard inquiries affect my credit evaluation and may result in higher interest rates or loan denials. FCRA 604 ( a ) mandates that inquiries must be authorized or have a legitimate business purpose. The presence of this inaccurate inquiry has caused undue concern and financial inconvenience. 
XXXX XXXX XXXXXXXX Inquiry, Date : XX/XX/XXXX This inquiry is inaccurately reported or unauthorized. It has affected my credit evaluation and potentially led to loan denials. FCRA 604 ( a ) requires that only authorized inquiries be reported, and failure to comply violates my consumer rights. The emotional and financial impact of such inaccuracies is considerable. 
XXXX Inquiry, Date : XX/XX/XXXX This hard inquiry is false or unauthorized. Its presence depresses my credit score and creates unnecessary obstacles for obtaining financing. FCRA 604 ( a ) provides protections against such improper reporting. This error has caused repeated frustrations and affected my ability to plan financially with certainty. 
XXXX Inquiry, Date : XX/XX/XXXX This inquiry is inaccurate and unauthorized. Hard inquiries reduce creditworthiness and create a false impression of credit activity. FCRA 604 ( a ) limits reporting to authorized purposes, and this entry violates that requirement. The stress, concern about potential fraud, and financial setbacks from this inaccurate reporting have been significant and ongoing. 
Conclusion : All of the above entries are inaccurate, unverifiable, or falsely reported. Their presence on my credit report has resulted in financial losses, denied credit applications, increased interest rates, and ongoing emotional stress. I am requesting a full investigation and immediate removal or correction of these items. The law ( FCRA 611 & 623, FDCPA 807 ) requires prompt and accurate correction of such errors. Continued inaction will compel me to escalate this matter legally to protect my rights and seek compensation for damages caused by negligent reporting.

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