Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
Dear Sir/Madam, I am filing this formal complaint with the Consumer Financial Protection Bureau against multiple furnishers and credit reporting agencies for reporting inaccurate, unverifiable, and unauthorized information on my credit report. These errors have severely harmed my creditworthiness, ability to obtain housing, loans, and have caused extreme financial and emotional stress. 
The following items are being reported unlawfully : XXXX XXXX XXXX, XXXX, NJ, XXXX Wrong Address This address has no relationship to me. I request the bureau to disclose the furnisher and source of this incorrect data under FCRA 609 ( a ) ( 1 ). Failure to maintain accurate identifying information is a breach of federal law. This error harmed me when I applied for an apartment lease, as the landlord questioned my stability and denied me housing. The wrong address made it appear as though I was hiding my real residence, which is damaging to my credibility. This false information must be permanently deleted under FCRA 611 ( a ) ( 5 ). 
XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Wrong Address I have never lived at this address. Keeping this on my file misrepresents my identity and is a violation of FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting information they know is inaccurate. Because of this wrong listing, I was denied a car loan as the bank questioned why my addresses did not match my application. This false reporting has damaged my ability to secure basic necessities like transportation and stable housing. I request full deletion under the law. 
XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Open Date XX/XX/XXXXXXXX  High Credit {$1100.00} This charge-off is inaccurate and unverified. Under FCRA 623 ( a ) ( 1 ) ( B ) furnishers must not report information without proper investigation and verification. XXXX XXXX  has failed to provide validation of this account under FDCPA 809 ( b ). The negative reporting has caused me repeated denials of credit card applications, leaving me unable to rebuild my credit. The derogatory information has been re-aged and continues to report unfairly, which is a violation of FCRA 605 ( c ). This has resulted in higher interest rates, financial hardship, and emotional distress. I demand immediate deletion of this account. 
XXXX XXXX XXXX XXXXXXXX Charge Off Open Date XX/XX/XXXXXXXX  High Credit {$1000.00} This account is reported as a charge-off without proper validation. Under FCRA 611 ( a ) ( 1 ), once disputed, the furnisher must provide proof of accuracy. No such validation has been provided. Under FACTA ( Fair and Accurate Credit Transactions Act ), I am entitled to accurate and verified reporting. Because of this false account, I have been denied a mortgage loan and faced embarrassment explaining inaccuracies to lenders. This account is reporting unlawfully and must be deleted. 
XXXX XXXX XXXX XXXX Charge Off Open Date XX/XX/XXXXXXXX  High Credit {$1000.00} This appears to be a duplicate account from the same creditor, which constitutes misleading reporting and a form of double jeopardy in credit reporting. FCRA 607 ( b ) requires accuracy and prohibits duplicate derogatory reporting. This duplication makes it appear as though I defaulted on multiple accounts when in reality it is a single alleged debt. Because of this, I was denied approval for rental housing and car insurance rates increased due to the false reporting. This duplicate negative account must be permanently deleted. 
XXXX XXXX XXXX Charge Off Open Date XXXX XXXX, XXXX  High Balance {$850.00} This charge-off is also inaccurate and unverified. FCRA 623 ( b ) requires furnishers to conduct a reasonable investigation when notified of a dispute. No proper validation or investigation has been provided. Reporting unverifiable derogatory information is also a violation of FDCPA 807 ( 8 ) which prohibits false credit reporting. This has harmed me financially by making it impossible to get fair credit terms, and emotionally as I face continuous stress explaining false negative marks to potential creditors. I request its immediate removal. 
XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Open Date XX/XX/XXXX High Credit {$2000.00} This account is inaccurately listed as a charge-off. Under FCRA 623 ( a ) ( 1 ) ( A ) furnishers must not report information they know is inaccurate, and under FDCPA 809 ( b ) I have the right to validation, which has never been provided. This derogatory item has resulted in credit card denials and higher insurance costs. It also caused embarrassment when a potential landlord questioned me about why my report showed a major default. I have faced both financial and reputational damage. This reporting is reckless, misleading, and must be deleted immediately. 
XXXX XXXX XXXX XXXXXXXX Charge Off Open Date XX/XX/XXXXXXXX  High Balance {$5600.00} This charge-off is inaccurate and unverifiable. FCRA 607 ( b ) requires maximum possible accuracy, yet no validation has been produced. FCRA 623 ( b ) requires XXXX XXXX XXXXXXXX to conduct a reasonable investigation, but that duty has been ignored. Because of this negative entry, I was denied approval for an auto loan and forced to rely on subprime financing at extremely high interest rates, causing severe financial loss. This also violates ECOA, as the false report has created unfair discrimination in lending decisions. This account must be deleted under federal law. 
XXXX XXXXXXXX Charge Off Open Date XX/XX/XXXXXXXX  High Balance {$620.00} This is reported as a charge-off without proof. FDCPA 807 ( 8 ) prohibits reporting false credit information. FCRA 611 ( a ) requires deletion of unverifiable data. Because of this false reporting, I was denied an apartment lease and forced to stay in unstable housing arrangements. The emotional toll of being denied safe housing due to false credit information is severe. This entry is harmful, misleading, and unlawful. I demand its removal. 
XXXX XXXX Charge Off Open Date XXXX XXXX, XXXX  High Credit {$4000.00} This item is reported as a charge-off but lacks proper verification. FCRA 623 ( a ) ( 3 ) requires that disputed accounts be accurately marked as such, yet this account continues to report as if it is valid. This misrepresentation caused me to be denied refinancing on my home loan, leaving me trapped with higher payments. This is reckless and unlawful under UDAAP standards as it is both unfair and abusive. I request immediate deletion. 
XXXX XXXX Charge Off Open Date XX/XX/XXXXXXXX  High Credit {$750.00} This charge-off is inaccurate and violates FCRA 605 ( a ) ( 4 ) which limits how long negative information can remain. Reporting this item beyond its lawful period is deceptive. This account has prevented me from obtaining new lines of credit and has led to repeated rejections by creditors. I have been emotionally distressed and financially harmed. Under FCRA 611 ( a ) ( 5 ), this account must be deleted. 
XXXX XXXXXXXX Charge Off Open Date XX/XX/XXXXXXXX  High Credit {$1400.00} This charge-off is not validated. FACTA entitles me to fair and accurate reporting, yet no validation has been provided. This inaccurate item appeared in an employment background check and directly led to me being denied a job. This has created financial instability and emotional suffering. Reporting unverifiable information is negligent and unlawful. This item must be permanently deleted. 
XXXX XXXX Charge Off Open Date XX/XX/XXXXXXXX  High Credit {$900.00} This is being reported as a charge-off but has not been validated. FCRA 623 ( a ) ( 1 ) ( B ) prohibits reporting disputed accounts without proper investigation. This inaccurate reporting caused me to be denied rental housing and has made it impossible for me to rebuild credit. It has damaged my financial future, caused emotional stress, and harmed my reputation. This derogatory item must be removed. 
XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$640.00} This is a third-party collection account that is invalid. Under FDCPA 809 ( b ), I have the right to debt verification, and none has been provided. XXXX XXXX XXXX continues to report this account despite failing to validate it, which is unlawful. This collection entry has damaged my ability to secure fair credit terms, caused repeated denials, and created humiliation when explaining false accounts to lenders. Reporting unverifiable debt is deceptive under FCRA and FDCPA and must be deleted immediately. 
XXXX XXXX  Acct XXXX Opened XX/XX/XXXX Balance {$5000.00} Collection This collection account is reported inaccurately. XXXX XXXX XXXX has failed to provide validation of the alleged debt under FDCPA Section 809 ( 15 U.S.C. 1692g ). Reporting a collection without proper validation constitutes a direct violation of the FDCPA. Furthermore, the age of the account and inconsistent reporting dates raise suspicion of re-aging, which is strictly prohibited under FCRA Section 623 ( a ) ( 5 ). Such practices mislead creditors and inflate derogatory reporting timeframes. 
XXXX XXXX Acct XXXX Opened XX/XX/XXXXXXXX  Balance {$1900.00} Collection This account is being reported by XXXX without proof of a valid consumer contract. No signed agreement, original creditor details, or complete payment history have been furnished. This is a violation of FCRA Section 609 ( a ) ( 1 ), which grants me the right to request such documentation. XXXX continued reporting without providing legally required evidence is deceptive and harmful. 
XXXX XXXX  Acct XXXX Opened XX/XX/XXXX Balance {$1500.00} Collection This account appears to be a duplicate entry of another XXXX collection account, which artificially inflates derogatory marks on my report. Duplicate reporting is misleading and unlawful under FCRA Section 607 ( b ), which requires maximum possible accuracy in credit reporting. Such practices unfairly damage my credit score and credibility with lenders. 
XXXX XXXX  Acct XXXX Opened XX/XX/XXXX Balance {$1300.00} Collection This alleged collection has never been validated. XXXX is required under FDCPA Section 807 ( 15 U.S.C. 1692e ) to avoid using false, deceptive, or misleading representations in collecting a debt. Continuing to report this account without validation constitutes misrepresentation and unfair collection practice. 
XXXX XXXX Acct XXXX Opened XX/XX/XXXXXXXX  Balance {$1200.00} Collection This account contains inaccurate balance information that has fluctuated inconsistently across credit bureaus. Reporting incorrect balance information violates FCRA Section 623 ( a ) ( 1 ) ( A ). The creditor must ensure the information they furnish is accurate and current, yet this obligation has not been met. 
XXXX XXXX Acct XXXX Opened XX/XX/XXXX Balance {$1100.00} Collection This account has no supporting evidence linking me to the debt. No original contract or statements proving liability have been provided. As per FCRA Section 611 ( a ), unverifiable information must be deleted within 30 days of dispute. Continued reporting of this account without verification is unlawful. 
XXXX XXXX  Acct XXXX Opened XX/XX/XXXXXXXX  Balance {$1100.00} Collection This account demonstrates a pattern of XXXX stacking accounts against me. Multiple accounts with similar open dates and balances indicate abusive collection tactics in violation of FDCPA Section 807 ( 2 ) ( A ), which prohibits misrepresenting the character, amount, or legal status of a debt. This creates an artificially negative credit profile. 
XXXX XXXX  Acct XXXX Opened XXXX XXXX, XXXX  Balance {$620.00} Collection This account is unverifiable and has been reported beyond reasonable standards of accuracy. The reporting furnisher has not complied with FCRA Section 623 ( a ) ( 3 ), which requires updating or correcting incomplete or inaccurate information. Without proper documentation, this entry must be deleted immediately. 
XXXX XXXX XXXX Inquiry XX/XX/XXXX This inquiry appears to be a duplicate of XXXX XXXX and is harming my credit unfairly. Duplicate unauthorized inquiries are misleading and violate FCRA Section 607 ( b ). I demand its immediate removal. 
Harm & Damages Because of these unlawful accounts and inquiries : I have been denied for credit cards and auto loans. 
My rental applications have been rejected, creating housing instability. 
I have suffered emotional distress and embarrassment in personal financial situations. 
Requested Relief 1. Immediate deletion of the above-listed accounts and inquiries.

2. Full investigation into XXXX XXXX XXXX and unauthorized inquiry furnishers. 
3. Assurance of compliance with FCRA and FDCPA moving forward. 
If corrective action is not taken, I am prepared to escalate this matter further through the FTC and private civil litigation. 
Thank you for your urgent attention to this 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