Consumer complaint received 2025-09-23 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: AZ

Complaint narrative:
To Whom It May Concern, This is a formal complaint regarding inaccurate and harmful credit reporting that violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act. My previous CFPB complaint remains open, but these accounts require separate attention. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Wrong Address this address does not belong to me, has no connection to my credit, and its reporting violates FCRA 607 ( b ) which requires consumer reporting agencies to assure maximum possible accuracy. Because of this wrong address, I have been linked to accounts and public records that are not mine. I never lived at this XXXX address, never received mail here, and I have proof of my actual residence during this time. The inclusion of this address confuses lenders and makes it appear that I have unstable residency history, which directly harms my credibility as a borrower. 
XXXX XXXX XXXX XXXX, CA XXXX Wrong Address I have no association with this mailing address, it must be deleted immediately. This false mailing address makes it appear that I am hiding my true residence or that I used XXXX XXXX  to avoid creditors. Such a false narrative is harmful, untrue, and against my consumer rights. I have always maintained a stable home address, and this misreporting creates false suspicion against me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payment this reporting is inaccurate and unverifiable, no proof of contract or valid consumer credit agreement has been provided. Reporting a late payment without proper verification violates FCRA 609 and 611, and if this is related to a government debt it is misrepresented under FCRA 623 ( a ) ( 1 ) ( A ). This negative account is hurting my ability to access credit unfairly. Because of this false late payment, I was denied a line of credit and forced to accept higher interest rates. This entry is creating a false image that I am delinquent when I am not. I have never entered into a contract that would justify this balance, and no written proof has been provided. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Collection this account is a third-party collection that is not verified. XXXX is a known debt buyer, and under FDCPA 807 and 809 they must validate the debt upon request. No proper chain of title, contract, or original creditor agreement has been produced. Continuing to report without validation is a willful violation of FCRA 623 ( b ) and FDCPA. Because of this false collection, I have been contacted by collectors, which has caused me harassment, stress, and emotional harm. My credit score dropped unfairly, and I was declined for a credit card due to this entry. It is unjust that I suffer harm for an account that is not mine and is not backed by any documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4100.00} Charge Off this account is being misreported as a charge off when it is not accurate or verifiable. No documentation has been provided showing that the balance is legally owed. Reporting a charge off in this manner is misleading and violates FCRA 607 ( b ). Because of this, I was treated as a high-risk borrower, I lost access to a fair car loan, and I continue to pay higher insurance premiums. This account reporting suggests I intentionally defaulted, which is false, defamatory, and unlawful. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} Charge Off this account is inaccurately reported. I requested validation under my consumer rights but no complete itemization or contract was provided. Reporting as a charge off without validation violates both FCRA and FDCPA. This has caused me damages including higher interest rates and loss of financial opportunities. Because of this account, I have faced rejection from lenders and personal embarrassment when explaining why my credit appears riskier than it really is. No consumer should be punished for unproven or unverifiable charges. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment this account shows late payments despite reporting a balance of {$0.00}, which makes no logical or legal sense. There is no valid consumer credit contract attached to these reported lates, and no proof has been supplied to me upon request. Reporting a late payment without substantiation violates FCRA 609 and 611. Because of this, my credit history appears riskier than it is, and I was denied an auto refinance, which caused me significant financial strain. This false late payment makes it appear that I failed obligations that I never had. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$690.00} Collection this collection account is unverifiable. No contract, proof of debt, or legal documentation has been provided linking me to this account. Reporting such an account is a violation of FCRA 607 ( b ) ( accuracy requirements ) and FDCPA validation requirements. Because of this reporting, I was declined for a credit card and treated unfairly in a housing application. The presence of this collection gives the false appearance that I have unpaid obligations when no valid evidence exists. 
XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} Charge Off this account is being reported as a charge off, but no original signed contract or proof of balance has been provided. Under FCRA 611, consumers have the right to request an investigation, yet this account continues to be reported without correction. This negative entry makes it look like I defaulted intentionally, which is not the truth. Because of this misreporting, I have been forced to pay higher interest rates and denied fair access to financial products. 
XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Charge Off this charge off is inaccurate and unverifiable. XXXX XXXX has not provided proof of contract or itemized billing to justify this balance. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate. This account is harming my creditworthiness and painting a false picture that I refuse to pay debts, when the reality is that the account is not properly validated. This has directly impacted my ability to secure credit and caused me emotional stress. 
XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Charge Off this account is misreported as a charge off with no legal validation. No proper proof or chain of documentation has been produced to demonstrate I owe this balance. Reporting such an item without verification is a violation of FCRA 607 ( b ) and 611. Because of this, I have been unfairly penalized with credit denials and higher costs. This account makes it appear that I am financially irresponsible, which is false and defamatory. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} Charge Off this account is reported as a charge off, but no original signed contract, payment history, or proper validation has been provided. Under FCRA 611, I have the right to dispute and receive proof of accuracy. Reporting a charge off without validation is a willful violation. This false entry has caused major damage to my creditworthiness, resulting in higher interest rates on loans and denial of financing opportunities. It unfairly paints me as someone who abandoned a large debt, which is untrue and defamatory. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} Charge Off this charge off is unverifiable and has not been backed by any legal documentation or signed agreement. Under FCRA 607 ( b ), consumer reporting agencies must assure maximum possible accuracy, yet this item remains uncorrected. Because of this reporting, I have been denied access to fair credit terms, and my financial reputation has been unjustly damaged. This makes it appear that I am financially irresponsible when in reality the account has not been proven to belong to me. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3600.00} Charge Off this charge off is inaccurate, unverifiable, and must be removed. No proof of contract, billing records, or proper validation has been supplied. Continuing to report this account violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. This negative account has directly prevented me from securing a housing opportunity and continues to weigh down my credit profile unfairly. 
I demand that the XXXX XXXX charge offs and the XXXX inquiry be fully investigated and that all supporting documentation be provided to me. If these accounts can not be verified with proper contracts, statements, and proof of permissible purpose, they must be deleted immediately under FCRA 611. If these violations are not corrected, I will pursue further remedies under 15 U.S.C. 1681n for willful noncompliance and 1681o for negligent noncompliance.

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