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: CA

Complaint narrative:
I am submitting this complaint because my credit reports contain false addresses, inaccurate accounts, unverifiable collections, late payments, charge-offs, and unauthorized inquiries. These errors violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Each error has caused me denial of credit, financial hardship, emotional distress, and reputational damage. 
Below, I list each disputed item separately with the Issue, Law, and Story. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : This is not my residence and I have never lived there. 
Law : FCRA 607 ( b ) requires CRAs to ensure maximum possible accuracy.

Story : Because of this wrong address, I have been treated as if I lived in California when I never did. This creates the false appearance of instability and possible fraud. I was even questioned by a potential landlord and a car lender about why so many different addresses appear in my file. It has humiliated me, made me feel like I was being treated as dishonest, and increased my risk of being linked to someone elses debts or criminal activity. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Wrong Address Issue : False address reported on my credit file. 
Law : FCRA 609 ( a ) requires CRAs to disclose sources of reported data.

Story : This address does not belong to me, yet it makes it look like I moved frequently and lived in multiple states. This inaccurate history lowers my creditworthiness because lenders assume people with unstable addresses are high risk. I have faced repeated credit denials and embarrassment explaining that I never lived there. This has also created fear that someone elses debts could be tied to my name.

XXXX XXXXXXXX XXXX  High Balance : {$680000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX Issue : Late payments reported inaccurately. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know is inaccurate.

Story : These false late payments are extremely damaging because they are tied to a high-balance mortgage account. This makes it look like I was irresponsible with a home loan, which is very serious. Because of this, I was denied refinancing at a lower rate, costing me thousands of dollars. I also lost out on a chance to qualify for better insurance rates and faced personal shame when my family questioned why I could not get approved. 
XXXXXXXX XXXX XXXX High Balance : {$7400.00} Date Opened : XX/XX/XXXXXXXX  Charge Off XXXX XXXX Issue : Charge-off reported without validation. 
Law : FDCPA 807 ( 8 ) prohibits false reporting ; FCRA 623 ( b ) requires correction of errors.

Story : This charge-off has severely damaged my credit. It makes me look like someone who completely abandoned a debt, which is false. Because of this derogatory mark, I was denied a small personal loan that I needed for medical expenses. I have faced harassment, humiliation, and extreme stress over something that should not be reported without full validation.

XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX Issue : Charge-off reported without investigation. 
Law : FCRA 611 requires reinvestigation of disputed items ; FDCPA 809 ( b ) requires validation.

Story : This false charge-off is making it look like I am financially reckless. I was denied a credit card recently because of this, which blocked me from building my credit. It has also created emotional stress because every time I apply for something, I am treated as untrustworthy due to false reporting.

XXXX XXXXXXXX XXXX XXXX High Balance : {$830.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX Issue : False charge-off entry. 
Law : FCRA 602 ( A ) requires fairness and accuracy in reporting.

Story : This account is not only small in amount but also completely inaccurate. Yet even a small charge-off brings down my score significantly. This false item is preventing me from qualifying for better housing and has left me paying higher deposits for utilities. The emotional toll is heavy because I constantly feel punished for something that isnt true.

XXXXXXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXXXXXX  Late Payment XXXX XXXX Issue : False late payments reported. 
Law : FCRA 607 ( b ) requires maximum possible accuracy.

Story : These false late payments are lowering my score month after month. I was denied approval for a vehicle lease due to these marks. It has created embarrassment in front of my family and peers when I can not qualify for basic financial products. 
XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXXXXXX  Charge Off XXXX XXXX Issue : Another false charge-off. 
Law : FCRA 623 ( b ) requires correction of disputed information.

Story : This is a repeated pattern with XXXX XXXX, showing multiple false derogatories. Each one drags my score down and blocks me from fair access to credit. It has become a cycle where I feel trapped and unable to recover from misinformation that I can not correct on my own. 
XXXX XXXX XXXX XXXX High Balance : {$360.00} Date Opened : XX/XX/XXXXXXXX  Late Payment * * Issue : Late payments reported without accuracy or proof. 
Law : FCRA 623 ( a ) prohibits reporting unverified data.

Story : This small account continues to harm me disproportionately. A few false late payments on this account have led to denials for apartment applications and increased deposit requirements. It is humiliating to explain that my credit is damaged by something so small but still so powerful in scoring. 
XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX Issue : Reported by a debt buyer without validation. 
Law : FDCPA 809 ( b ) requires validation ; FCRA 623 prohibits unverified reporting.

Story : XXXX XXXX is known for abusive practices, and this false collection has caused me nonstop stress. It damaged my score, led to collection calls, and made it impossible for me to get approved for a credit card. It feels like harassment and intimidation when I know the account has not been properly validated. 
XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  Issue : Another false collection by the same debt buyer. 
Law : FDCPA 807 prohibits false representation ; FCRA 623 ( b ) requires correction.

Story : Having two collections from XXXX on my report makes it look like I am deeply irresponsible, when in reality neither has been validated. This has cost me job opportunities where credit checks are required. It has created a sense of hopelessness, fear of further harassment, and ongoing emotional suffering. 
XXXXXXXX XXXX XXXX XXXX High Balance : {$1800.00} Date Opened : XX/XX/XXXXXXXX  Collection XXXX XXXX  Issue : Reported as a collection account without proper validation. 
Law : FDCPA 809 ( b ) requires debt validation ; FCRA 623 prohibits reporting inaccurate information.

Story : This collection was never validated to me with original documentation. XXXX reporting makes it look like I failed to pay a debt that I do not recognize. This has resulted in denial of personal loan applications, higher credit card interest rates, and embarrassment when lenders see my report. 
XXXXXXXX XXXX XXXX XXXX High Balance : {$1100.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX Issue : Another collection reported by XXXX without validation. 
Law : FDCPA 807 prohibits false or misleading credit reporting ; FCRA 607 ( b ) requires maximum accuracy.

Story : XXXX has a reputation for recycling debts, and this appears to be one of those false entries. Because of this, my creditworthiness is being unfairly damaged. I feel harassed and hopeless, unable to qualify for even modest credit due to these repeated false collections. 
XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXXXXXX  Collection XXXX XXXX Issue : XXXX XXXX is reporting a collection account without proof of accuracy. 
Law : FDCPA 807 ( 8 ) prohibits false credit reporting ; FCRA 623 ( b ) requires correction after disputes.

Story : XXXX has not provided me with any proof that this debt belongs to me. Still, they report it and damage my credit. I was denied a credit card because of this false account, and it continues to cause stress and financial harm. 
XXXX XXXX XXXX High Balance : {$3400.00} Date Opened : XX/XX/XXXXXXXX  Collection XXXX XXXX Issue : Collection account reported by Cavalry without documentation or validation. 
Law : FDCPA 809 ( b ) requires validation ; FCRA 602 ( A ) requires fairness and accuracy in reporting.

Story : XXXX is reporting this account without giving me any proof it belongs to me. This has lowered my score, blocked me from refinancing options, and added stress to my life because I am constantly treated as if I abandoned my financial responsibilities when that is not true. 
XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX  Issue : Inquiry without proper authorization or permissible purpose. 
Law : FCRA 604 ( a ) ( 3 ) limits inquiries to legitimate credit purposes.

Story : This inquiry was not authorized by me. It lowers my credit score and signals to lenders that I am shopping for credit I did not apply for. This false inquiry hurts my chances of approval and damages my credibility.
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : Unauthorized inquiry reported. 
Law : FCRA 604 requires written authorization or permissible purpose.

Story : This inquiry creates the false impression that I was seeking auto financing, which I did not. Because of it, I was questioned by another lender about why I had multiple auto inquiries on my file, which was embarrassing and frustrating.

XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXXXXXX  Issue : Hard inquiry not authorized by me. 
Law : FCRA 604 ( a ) requires consumer consent or legitimate business need.

Story : This inquiry is damaging because it suggests I am applying for credit I never requested. It lowers my credit score and adds to the pattern of false inquiries making me look desperate for credit.

Requested Relief Remove all wrong addresses, false accounts, charge-offs, collections, and unauthorized inquiries.

Enforce compliance with FCRA and FDCPA against all furnishers and CRAs. 
Compensate me for damages including financial loss, denials of credit, emotional distress, and reputational harm.

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