Consumer complaint received 2025-08-05 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:
b'Dear CFPB Officer,\nI am filing this formal complaint to report multiple and severe violations of the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) by the major credit reporting agencies and data furnishers, including but not limited to creditors, collection agencies, and entities responsible for unauthorized inquiries.\nI am a victim of inaccurate reporting, identity confusion, fraudulent addresses, unjust charge-offs, duplicate collections, and unauthorized hard inquiries that are causing me emotional distress, financial harm, and life disruptions.\n WRONG ADDRESSES  NEVER BELONGED TO ME\nThese addresses are false and have no relation to me. I have never lived at, rented, owned, worked at, or received mail at these locations. Their presence shows clear evidence of either file merging, identity theft, or clerical error. This is dangerous, misleading, and a violation of my FCRA rightsXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXISSUE: I have never been associated with these locations\nLAW: FCRA 609(a), 611, 602\nSTORY: These addresses may be linked to a past fraud case where my personal information was stolen. I was shocked to see addresses tied to cities Ive never visited. This has affected job applications and loan denials. My bank raised red flags due to mismatch in location data. I fear these are signs of ID theft or cross-profile merging. Please immediately delete these false addresses from my credit file before more damage is done.\n ACCOUNTS  MISREPORTED, CHARGED OFF, OR NEVER MINE\nThe following accounts are either not mine, contain errors, were charged off unfairly, or reported inaccurately. Some are even duplicates, which is a clear FCRA violation. I am requesting immediate deletion or full validation under 609 and 611XXXX XXXX XXXXHigh BalanceXXXX XXXX | Opened: XXXXnISSUE: Unjust charge-off reported without notice\nLAW: FCRA 623(a)(1)(A), FDCPA 809\nSTORY: This account was paid. They never sent any notices. It went to charge-off behind my back and tanked my score. Its completely unjustXXXX XXXX XXXX XXXX XXXX\nHigh Balance: XXXX | Opened: XXXX\nISSUE: Charged off with $XXXX  balance\nSTORY: How can a XXXX  balance be charged off? This is malicious and misleading. I believe its a technical error that should be removed.\XXXX XXXX XXXX XXXXHigh Balance: XXXX | Opened: XXXXISSUE: Late mark on a XXXX balance\nSTORY: A late payment on XXXX is being weaponized against me. Its outrageous. I paid the amount on time. This hurts me every time I apply for creditXXXX XXXXHigh Balance: XXXX  | Opened: XXXXnISSUE: Charged off with no warning\nSTORY: No letters. No calls. Just a silent charge-off that hurt me when I applied for an apartment. This is not just a financial issueit became a housing problem.\XXXXXXXX XXXX\nHigh Balance: XXXX | Opened: XXXXnISSUE: Late reported during COVID hardship\nSTORY: During COVID, I lost my job. I had asked for a hardship hold. They agreed verbally, then turned around and reported me late. This is unethical.\XXXX XXXX XXXX\nHigh Balance: XXXX | Opened: XXXXISSUE: Duplicate reporting\nSTORY: One bill  two accounts. How can the same energy bill be reported twice? This inflated my collections and damaged my score unfairly.\XXXX XXXX XXXX XXXXnHigh Balance: XXXX XXXX XXXX | Opened: XXXXISSUE: Overlapping duplicate collections\nSTORY: I moved out of a rental and cleared all dues. Now I see two huge balances I never agreed to. This looks like rent and damage fees being duplicated. No communication, just credit destruction.\XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX \nISSUE: All are collections with no notice\nSTORY: I never received a single call, letter, or statement from these agencies. I found out only when I got denied a loan. These surprise collections have caused me depression, anxiety, and distrust in the credit system.\n UNAUTHORIZED / EXCESSIVE HARD INQUIRIES\nThese inquiries were made without my permission, and/or without permissible purpose, violating FCRA 604(a)(3). Many were made during a short time period when I was not applying for credit. I demand full investigation and deletion of the following:\nExamples:XXXX XXXX XXXX XXXXSTORY:\nSome of these inquiries happened on the same day or within hours of each other. That is a clear sign of dealer credit shopping without consent. I was never told my info would be shared with this many lenders. I gave permission to one dealer, not dozens of institutions. These unauthorized pulls dropped my score by more than XXXX  points and caused emotional damage. I lost a vehicle approval due to these unnecessary hits.\nWHAT I AM REQUESTING:\n\tImmediate full investigation into the false addresses, unauthorized inquiries, and inaccurate accounts.\n\tDeletion of all unverifiable or incorrect entries under FCRA 611(a)(5).\n\tEnforcement against any furnishers who are violating FCRA and FDCPA laws.\n\tWritten response from the credit bureaus and data furnishers showing evidence of how these entries were verified.'

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