Consumer complaint received 2025-09-22 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: TN

Complaint narrative:
I am submitting this complaint against multiple creditors, debt collectors, and credit reporting agencies for reporting inaccurate, unverifiable, and misleading information on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related federal guidelines. These errors are causing significant harm to my creditworthiness, financial stability, and ability to obtain fair credit opportunities. 

XXXX. Wrong Address Reporting ( Identity/Accuracy Issue ) The following addresses are incorrect and not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are inaccurate, misleading, and damaging because they falsely associate me with locations I have never resided at. This creates confusion about my identity and increases the risk of identity theft. 

XXXX. Inaccurate and Harmful Account Reporting The following accounts are being reported with late payments, charge-offs, collections, or other derogatory notations that are either inaccurate, unverifiable, outdated, or reported in violation of consumer protection laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$2300.00} Date Opened XX/XX/XXXX Reported Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1000.00} Date Opened XX/XX/XXXX Reported Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1700.00} Date Opened XX/XX/XXXX Reported as Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$600.00} Date Opened XX/XX/XXXX Reported Late Payments Northwest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance {$44000.00} Date Opened XX/XX/XXXX Reported Late Payments XXXX XXXX XXXX Multiple Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with balances ranging from {$960.00} {$1600.00} Reported as Collections These accounts contain derogatory notations that are either inaccurate, unverifiable, or duplicative. For example, XXXX XXXX is reporting multiple accounts with the same open date and overlapping balances, which appears to be duplicate and misleading collection reporting. This violates the FCRAs accuracy standards ( 1681e ( b ) ) and the FDCPAs prohibition against false, deceptive, or misleading representations. 

XXXX. Excessive and Unjustified Hard Inquiries The following creditors have placed multiple hard inquiries on my credit file within a short time span : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are excessive, damaging, and not authorized in a manner that complies with the FCRA. Multiple inquiries from the same creditor within days suggest either improper reporting or a failure to consolidate legitimate applications, both of which unfairly penalize me. 

Harm Caused Due to these inaccuracies, I have suffered : Denials of credit and financing opportunities. 

Higher interest rates due to artificially lowered credit scores. 

Emotional and financial distress from false derogatory reporting. 

Requested Resolution I respectfully demand the CFPB to : Investigate all accounts, addresses, collections, and inquiries listed above. 

Require the furnishers and credit bureaus to provide complete verification and documentation of each account, including signed agreements, payment history records, and proof of ownership. 

Delete any unverifiable, inaccurate, or duplicative information from my credit reports in compliance with FCRA 1681i ( a ).

Ensure all creditors and collectors immediately cease reporting misleading or duplicate accounts. 

Hold furnishers and credit bureaus accountable for violations of FCRA and FDCPA regulations.

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