Consumer complaint received 2025-09-25 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: NV

Complaint narrative:
Dear CFPB, I am filing this formal complaint to report multiple inaccuracies on my credit report that have caused substantial financial harm, reputational damage, and denial of credit opportunities. These entries include inaccurate charge-offs, misreported bankruptcy, and unauthorized hard inquiries. I invoke my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and demand urgent investigation, correction, or deletion of all inaccurate items Wrong Addresses : XXXX La XXXX XXXX, XXXX XXXX, CA, XXXX This address is completely incorrect. Its presence on my credit report can mislead creditors and lenders, resulting in denial of credit and unjustified suspicion of identity misuse. I demand an urgent investigation and deletion of this false entry Accounts with Charge Offs/ Erroneous Reporting : XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$1500.00} Charge Off reported incorrectly. I have maintained records proving that payments were made according to the agreed schedule. Misreporting this account as charged off negatively impacts my XXXX XXXX, affects loan approvals, and creates undue stress. I dispute the validity of this reporting and demand deletion or correction XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$500.00} Charge Off is falsely reported. Documentation exists that this account was either paid or settled in accordance with the agreement. Reporting this incorrectly is misleading to future creditors and violates FCRA 1681i ( a ). Immediate removal is required XXXX XXXXXXXX XXXX Open Date XXXX XXXX, XXXX High Credit {$1500.00} Charge Off reporting is inaccurate. The account status has been misrepresented, causing significant damage to my financial reputation. This inaccurate reporting may result in denial of credit, higher interest rates, and unwarranted financial scrutiny. I demand investigation and correction XXXX XXXXXXXX XXXX Date XX/XX/XXXX High Credit {$4200.00} Charge Off reported erroneously. I dispute this account reporting due to improper recording of payments, failure to notify me of issues, and lack of verification. This has caused undue stress and hindered my ability to secure credit. Correct this reporting immediately XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$2200.00} Charge Off reporting is inaccurate, incomplete, and misleading. My payment history shows that the account was managed responsibly, and incorrect reporting harms my reputation. I demand investigation, validation, and correction XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$5000.00} Charge Off is incorrectly reported. I dispute this reporting because all payment records indicate compliance with the account agreement. Misreporting this account is a direct violation of FCRA 1681i ( a ) requiring accurate reporting and verification of disputed items. This false reporting can lead to denial of loans, higher interest rates, and damage to my professional reputation. I demand immediate deletion or correction, including notification to all recipients of this false information XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$8000.00} Charge Off is falsely reported. FCRA XXXX ( b ) mandates maximum possible accuracy of reported consumer information. Misreporting of this account violates federal law, harms my creditworthiness, and exposes me to financial and personal hardship. Investigation, verification, and permanent removal are required XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off reporting is inaccurate. I have no record of default. Reporting this falsely is unlawful under FCRA, creates a misleading credit history, and may result in civil liability for damages caused. Immediate correction demanded XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off is false. Reporting this inaccurately violates my rights under FCRA 1681i, exposes me to financial risk, and undermines my credibility. Immediate removal required XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off is falsely reported. Misreporting this account violates FCRA 1681i ( a ) and 1681e ( b ). Failure to correct constitutes willful negligence and may subject the reporting agency to civil penalties. Remove or correct immediately XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$1000.00} Charge Off inaccurately reported. This false reporting affects my ability to obtain credit and violates federal law. Immediate deletion, correction, and notification to all affected parties are demanded XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$1000.00} Charge Off is misreported. Misrepresentation violates FCRA 1681e ( b ), creates undue financial hardship, and may result in legal action for damages. I demand verification and removal without delay XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$4000.00} Charge Off is reported inaccurately. This false reporting violates FCRA 1681i and 1681e ( b ), misleads creditors, and causes financial harm. I demand prompt investigation, deletion, and written confirmation of corrections. 
XXXX XXXXXXXX Open Date XX/XX/XXXX High Credit {$1700.00} Charge Off is incorrectly reported. I have maintained all payment records and account statements proving compliance with the account agreement. Misreporting this account violates FCRA 1681i ( a ) which requires verification of disputed items, and 1681e ( b ) which mandates maximum possible accuracy. This misreporting damages my credit score, affects loan eligibility, and may be considered willful noncompliance under federal law. Immediate deletion or correction is required along with written confirmation of action taken XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off inaccurately reported. I have no record of default or delinquency. Reporting this falsely violates FCRA 1681e ( b ) and misleads creditors, creating undue financial hardship. Misrepresentation of mortgage accounts can also affect insurance and employment approvals. Investigation and permanent correction demanded XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off reported erroneously. XXXX affects creditworthiness, mortgage eligibility, and financial trustworthiness. FCRA 1681s-2 requires that furnishers provide accurate information. Failure to verify and correct is a violation, and may lead to civil liability. Immediate removal required XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off inaccurately reported. This false reporting is damaging, violates FCRA 1681i ( a ) and 1681e ( b ), and exposes me to financial harm including loan denial, higher interest rates, and reputational damage. Investigation and deletion demanded XXXX XXXX Open Date XX/XX/XXXX High Credit {$0.00} Charge Off reported incorrectly. Misrepresentation affects credit score and borrowing capacity. FCRA 1681i mandates prompt investigation and correction of inaccurate information. XXXX XXXX constitute willful violation under federal law. Immediate removal required XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX High Credit {$4000.00} Charge Off inaccurately reported. Misrepresentation violates FCRA and FDCPA, affects my credit approvals, increases interest rates, and may lead to financial and reputational damage. Investigation, deletion, and written confirmation demanded Bankruptcy : Bankruptcy Chapter XXXX Docket Identifier XXXX XXXX XXXX Bankruptcy Court Reporting of this bankruptcy may be inaccurate, incomplete, or misrepresented. FCRA 1681e ( b ) requires maximum possible accuracy. Misreporting bankruptcy status can cause undue harm to credit approvals, employment opportunities, and insurance rates. Verification, correction, or clarification of this entry is required Hard Inquiries/ Unauthorized or Inaccurate : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Inquiry reported without authorization. Unlawful reporting violates FCRA 1681b ( f ). Immediate deletion required XXXX XXXX XX/XX/XXXX Unauthorized inquiry. Reporting without consent violates federal law. Immediate removal demanded XXXX XXXX XXXX XX/XX/XXXX Inaccurate or unauthorized inquiry. Remove immediately to prevent unlawful damage to my credit profile XXXX XXXX XX/XX/XXXX XXXX reported without authorization. Violation of FCRA 1681b. Immediate deletion required Each of these entries is factually incorrect, inaccurately attributed, or unverifiable. Under FCRA and FDCPA, I am entitled to : 1. Immediate deletion or correction of all inaccurate items ( 15 U.S.C. 1681i ( a ) & 1681e ( b ) ) 2. Notification to all parties who received the inaccurate information XXXX. Written confirmation of all corrections within 30 days 4. Full compliance with federal law to ensure accuracy, completeness, and proper verification Failure to correct these inaccuracies will result in formal legal action under FCRA and FDCPA for willful violation, statutory damages, and recovery of attorneys fees. I demand urgent resolution, permanent correction, and written confirmation of all actions taken

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