Consumer complaint received 2025-09-15 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: MI

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and unfair reporting on my credit report, which violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws. These inaccuracies have caused substantial financial harm, affected my creditworthiness, and subjected me to undue stress, anxiety, and potential discrimination in lending. The following accounts and items are inaccurately reported and must be corrected or permanently removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Completely unrelated to me, this addresss reporting implies false residency and responsibility for unknown financial obligations. Such errors can lead to wrongful collections attempts, misallocation of accounts, and unnecessary credit disputes, causing emotional distress and wasted time managing these inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Falsely listed, this address implies occupancy and responsibility I never held. Its presence on my report increases the risk of wrongful credit inquiries, potentially impacts loan eligibility, and can result in misidentification by lenders or debt collectors. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This false address entry is misleading and has already caused confusion in my credit report. Lenders may assume additional residence history that does not exist, increasing risk of rejection for credit applications and other financial products. 
The following accounts are inaccurately reported and have caused significant financial harm : XXXX XXXX XXXX XXXX XXXX High Balance : {$730.00} Date Opened : XX/XX/XXXX Reported Late Payment. This late payment is entirely inaccurate. All payments were made on time, and the false reporting misrepresents my financial responsibility. This has caused a measurable decrease in my credit score, making it more difficult to secure fair interest rates. The accounts misreporting violates FCRA Section 623 and creates a misleading credit profile, which could be interpreted as a pattern of financial irresponsibility, even though I have complied fully with all obligations. 
XXXX XXXXXXXX XXXX XXXX XXXX  High Balance : {$900.00} Date Opened : XX/XX/XXXX Reported Late Payment. The reporting of a late payment is inaccurate and not supported by my payment records. This false reporting harms my credit history, potentially affects loan eligibility, and is a clear violation of FCRA Sections 609 and 611. The lenders failure to verify or correct the reporting demonstrates negligent or reckless handling of consumer information, which is unlawful and damaging. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX : {$620.00} Date Opened : XX/XX/XXXX XXXX off. This account was reported as charged off inaccurately. I have had documented payment arrangements, and reporting a charge-off misrepresents my financial behavior. This false reporting can prevent me from obtaining new credit, inflate interest rates, and cause unnecessary collection attempts, creating financial and emotional distress. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$600.00} Date Opened : XX/XX/XXXX XXXX off. This account is falsely reported. Payments were made timely and in accordance with agreed terms. The charge-off reporting is not only incorrect but causes direct harm to my ability to obtain loans, manage finances, and maintain a good credit standing. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$4600.00} Date Opened : XX/XX/XXXX XXXX off. Duplicate and inaccurate reporting of this account exacerbates the damage to my credit profile. The false status misleads potential lenders, affects credit scoring algorithms, and could trigger wrongful collections, harassment, or additional fees. Such compounded reporting errors reflect a failure to follow FCRA guidelines and create ongoing financial and reputational harm. 
XXXX XXXX XXXX XXXX : {$420.00} Date Opened : XX/XX/XXXX XXXX off. This account was reported as charged off inaccurately. I have maintained consistent and documented payment records, and the reporting of a charge-off misrepresents my financial responsibility. The false reporting has already negatively impacted my credit score, caused lenders to view me as a higher-risk borrower, and increased the cost of credit offers. This type of inaccurate reporting violates FCRA Sections 607 ( b ) and 611 and constitutes negligent reporting. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$6000.00} Date Opened : XX/XX/XXXX XXXX off. The charge-off status for this account is entirely false. I have evidence of timely and complete payments according to the original agreement. Reporting this account as charged off creates a misleading credit history, potentially triggers collection calls, and results in undue stress and reputational damage. This inaccurate reporting interferes with my ability to access fair credit and violates FCRA and FDCPA provisions. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$600.00} Date Opened : XX/XX/XXXX XXXX off. Payments were made according to agreed-upon terms, yet this account is falsely reported as a charge-off. This misrepresentation harms my creditworthiness, misleads lenders, and may lead to denial of credit or higher interest rates. The reporting agency has failed to investigate or verify the accuracy of this account, which constitutes willful negligence under FCRA Sections 609 and 611. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$4600.00} Date Opened : XX/XX/XXXX XXXX off. Duplicate reporting of this account and false status reporting amplifies the negative impact on my credit score. Lenders viewing my credit file may be misled into believing I defaulted on significant obligations, which is false and damaging. This false information can trigger wrongful collections, increased insurance premiums, and unnecessary scrutiny from financial institutions. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$3500.00} Date Opened : XX/XX/XXXX XXXX off. This account has been inaccurately reported. I have proof of timely payments and compliance with the agreed repayment schedule. The false charge-off misrepresents my financial behavior and has tangible negative effects on credit approvals, loan rates, and personal financial opportunities. Reporting inaccurate information in this manner is a direct violation of FCRA Sections 607 ( b ) and 611. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$590.00} Date Opened : XX/XX/XXXX XXXX off. The reported charge-off is false. This misrepresentation has caused undue stress, wasted time in managing disputes, and harmed my credibility with creditors. Accurate reporting is required by law, and the failure to correct this constitutes negligent or willful violation. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$2400.00} Date Opened : XX/XX/XXXX XXXX off. Despite a documented history of timely payments and resolved balances, this account is falsely reported as a charge-off. The reporting agencys failure to investigate or verify the accuracy violates FCRA guidelines and creates long-term harm to my credit profile, limiting access to loans, mortgages, and other financial services. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX Charge off. This entry is false and misrepresents my repayment history. The inaccurate charge-off has already impacted my ability to obtain loans and has caused unnecessary stress and reputational harm. FCRA Section 623 requires that reporting agencies ensure accuracy, which has not been followed in this case. 
XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Charge off. Duplicate reporting of this account further damages my creditworthiness. False reporting misleads lenders, negatively impacts credit scoring, and constitutes willful or negligent violation of FCRA and FDCPA. This has resulted in tangible financial harm, including loan denials, higher interest rates, and potential difficulties in securing housing or employment. 
XXXX XXXX XXXX XXXX : {$2200.00} Date Opened : XX/XX/XXXX XXXX off. This account has been falsely reported as a charge-off. I have maintained documented payments in full and on time. The inaccurate reporting misrepresents my financial responsibility, diminishes my credit score, and adversely affects my ability to obtain loans or favorable financial terms. It also exposes me to potential collection actions for an account that was never delinquent, violating FCRA Sections 607 ( b ) and 611. 
XXXX XXXX XXXX XXXX : {$3000.00} Date Opened : XX/XX/XXXX XXXX off. Duplicate reporting of this account and false charge-off status amplifies the damage to my credit history. Misreporting creates confusion among lenders, may result in loan denials, inflated interest rates, and unnecessary financial stress. The agencys failure to investigate and correct this inaccuracy is a violation of FCRA and FDCPA. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$20000.00} Date Opened : XX/XX/XXXX XXXX off. This account has been inaccurately charged off. I have evidence of timely payments and proper account management. Reporting a false charge-off harms my credit reputation, misleads lenders, increases borrowing costs, and may trigger undue collection efforts. Such negligence constitutes unlawful reporting and violates consumer protection laws. 
XXXX XXXX XXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX XXXX off. This false charge-off misrepresents my repayment history. The reporting has created a misleading credit profile that could result in denial of credit, higher interest rates, and unnecessary financial scrutiny. I request immediate correction under FCRA guidelines. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX Charge off. This account is reported inaccurately. Payments were made according to agreed terms, yet the charge-off appears on my credit report. This misreporting has caused tangible harm, including increased difficulty obtaining credit, emotional distress, and potential damage to my professional reputation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : {$22000.00} Date Opened : XX/XX/XXXX XXXX off. The false charge-off misrepresents my payment history and financial responsibility. This inaccuracy misleads lenders, inflates my perceived risk, and can lead to denial of loans, increased interest rates, and negative impact on housing or employment opportunities. Such reporting is a violation of FCRA Sections 607 ( b ) and 611. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$3400.00} Date Opened : XX/XX/XXXX XXXX off. This account has been falsely reported. Payments were made as agreed, and the charge-off reporting is entirely inaccurate. The continued presence of this false information has already affected my creditworthiness, loan eligibility, and overall financial stability. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$3500.00} Date Opened : XX/XX/XXXX XXXX off. Reporting this account as charged off misrepresents my financial history. The false entry has caused undue stress, potential collection inquiries, and hinders my ability to secure credit under fair terms. 
XXXX XXXXXXXX XXXX XXXX XXXX : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX. This late payment is inaccurately reported. All payments were made on time, yet the report falsely indicates delinquency. This has negatively affected my credit score, misled lenders, and potentially increased interest rates or credit denials. Reporting unverified late payments violates FCRA Section 623 and constitutes negligence. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$2200.00} Date Opened : XX/XX/XXXX XXXX off. This account has been reported inaccurately as a charge-off. Proper payment records exist, yet the false reporting continues to negatively impact my credit profile, limit loan opportunities, and create unnecessary stress. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$3000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX This account has been falsely reported as a charge-off. I have maintained documented payments in full and on time. The inaccurate reporting misrepresents my financial responsibility, diminishes my credit score, and adversely affects my ability to obtain loans or favorable financial terms. This false reporting could trigger unwarranted collection calls and adds unnecessary emotional and financial stress. Such reporting violates FCRA Sections 607 ( b ) and 611. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$3900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX The duplicate and inaccurate reporting of this account further harms my credit profile. Misrepresentation of my payment history misleads lenders, increases borrowing costs, and creates potential for wrongful collection activity. The reporting agencys failure to investigate and correct this inaccuracy is a violation of FCRA and FDCPA and continues to cause harm to my financial reputation. 
XXXX XXXX XXXX XXXX XXXX : {$1000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX This account is inaccurately reported as a collection. Payments were made according to agreed terms, yet the false reporting has already harmed my creditworthiness, created a misleading financial profile, and exposed me to undue stress and potential harassment from collection agencies. 
XXXX XXXX XXXX XXXX XXXX : {$100.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX The collection status of this account is inaccurate. Reporting it as delinquent misleads lenders, may trigger higher interest rates, and has caused undue financial and emotional stress. The reporting agency has failed to verify the accuracy of this account, violating FCRA requirements. 
XXXX XXXX XXXX XXXX XXXX High Balance : {$760.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX This account has been falsely reported. I have proof of timely payments and proper account management. The false collection reporting misrepresents my financial behavior, harms my credit reputation, and creates unnecessary stress. Misreporting this account can result in denied credit, higher interest rates, and reputational harm. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX This account has been inaccurately reported as being in collection. I have evidence of timely payments and proper account management. The false collection reporting misrepresents my financial responsibility, harms my credit reputation, and can result in denial of loans, higher interest rates, and unnecessary emotional and financial stress. 
XXXX XXXX XXXX XXXXXXXX XXXX High Balance : {$2900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  This account has been falsely reported as a collection. Misrepresentation of my payment history misleads lenders and negatively impacts my creditworthiness. The false reporting may lead to increased borrowing costs, loan denials, and challenges in securing housing or employment opportunities. The reporting agencys failure to verify accuracy constitutes a violation of FCRA Sections 607 ( b ) and 611. 
XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This XXXX  reference is being inaccurately reported in my credit history. Either the reporting details are incorrect or the inclusion is misleading. The inaccurate reporting of XXXX  status can severely impact my ability to obtain credit, increase borrowing costs, and cause reputational damage. Accurate reporting is required under FCRA Sections 607 and 611. 
XXXX XXXX XX/XX/XXXX XXXX. 
The duplicate inquiry entry further misrepresents my credit activity and increases the likelihood of negative scoring impact. Accurate reporting of inquiries is required under FCRA, and failure to correct unauthorized or duplicate entries constitutes a violation. 
These inaccuracies collectively have caused severe financial and emotional harm, including denial of credit applications, inflated borrowing costs, unnecessary stress, wasted time managing disputes, and damage to my personal and professional reputation. Each inaccurate entry amplifies the negative impact of the others, creating a compounded effect on my financial record and creditworthiness. I demand immediate action under FCRA, FDCPA, and related consumer protection laws to investigate, verify, and permanently remove all false, inaccurate, or misleading information from my credit report. Failure to correct these errors constitutes willful negligence and exposes the reporting agencies and creditors to legal liability. 
I am attaching supporting documentation proving accurate payment history and evidence of disputes for each account. I expect a formal confirmation of correction and resolution within the legally mandated timeframe.

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